Lawrence Olson is a CFA® charterholder with 18 years of industry experience. He has been with Oppenheimer & Co. Inc since 2016. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans, offering various advisory programs such as discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm employs multiple investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of December 31, 2025.

Gonzalo Yubi is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. His prior work includes roles at Fidelity Investments, J.P. Morgan Chase Bank, J.P. Morgan Securities, and Charles Schwab. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a multi-profile investment process supported by global asset management and fund due diligence teams, with a notable focus on client-directed, non-discretionary portfolios.

Katherine Lounsbury is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. Prior to joining Citigroup Global Markets in 2023, she worked at Ernst & Young from 2020 to 2023. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and operation as a security-based swap dealer and futures commission merchant.

William Oetker is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 21 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc. since 2014. Outside of his advisory role, he is actively involved in life insurance sales for multiple carriers through his work as an agent with Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, combining custody, execution, and brokerage capabilities with investment advice.

Ali Hakimflorian is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior work includes roles at Marriott International and Verger Capital Management, as well as academic experience at Wake Forest University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research, swap dealer activities, and specialized lending solutions.

Behzod Roziqov is a financial advisor at Citigroup Global Markets with Series 63 and 65 credentials and two years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and TD Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and derivative services.

Matthew Reagan is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and 21 years of industry experience. His prior roles include positions at Personal Capital Advisors, Fisher Investments, and Bluerock Capital Markets. He is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains unique market roles including swap dealing and futures commission merchant activities.

Elizabeth Messina is a financial advisor at Oppenheimer with 21 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Oppenheimer Asset Management and Oppenheimer & Co. Inc. since 2013. Based in New York, NY, she has a longstanding tenure at the firm. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans with a variety of advisory programs including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm’s investment approach varies by program, incorporating strategic and tactical asset allocation across multiple asset classes, and manages approximately $36.7 billion in assets as of December 31, 2025.

Robert Feiner is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and 24 years of industry experience. He has been with Hornor, Townsend & Kent since 2015 and has worked with Penn Mutual Life Insurance Company since 1990. Feiner is also involved in life insurance brokerage through his activities with The Feiner Group and Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and consulting. The firm emphasizes client-directed implementation and oversight with a significant portion of assets managed on a non-discretionary basis.

Mendy Kaufman is a financial advisor at Guardian Life with eight years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2016. Outside of his advisory role, he is involved with Night Aid, a nonprofit organization assisting his father. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, retirement plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory services, utilizing model portfolios from in-house and third-party managers.

David Schneider is a CFP®-certified financial advisor based in New York, NY, with 37 years of industry experience. He currently works at Commonwealth Financial Network and Schneider Wealth Strategies, having spent 18 years at Cambridge Investment Research. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their clients. The firm offers a broad adviser-support platform with managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Morgan Morris is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Citigroup since 2018, following prior roles at Merrill and Bank of America. Citigroup Global Markets serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, providing a broad range of advisory, execution, and custody services.

Brian Mullally is a CFP®-certified financial advisor with Goldman Sachs Wealth Services in New York, NY, bringing 29 years of industry experience. He has been with Goldman Sachs & Co. since 2016. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, leveraging strategic allocation models, manager selections, and a range of platforms and fee arrangements integrated within the broader Goldman Sachs ecosystem.

Gregory Byrne is a financial advisor at Citigroup Global Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and futures commission merchant services.

Thomas Coyle is a financial advisor at Goldman Sachs Wealth Services in New York, NY. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include positions at Raich Ende Malter and Frank Hirth LLC. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm employs tailored strategic and tactical allocation models and leverages resources across the broader Goldman Sachs network.

Lenina Oliveira is a financial advisor at Citigroup Global Markets with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies using both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Abrahamm Rokosz is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. His prior roles include positions at Rocky Mountains LLC, Darchei Pool, Camp Lavi, and the New York State Supreme Court, in addition to his time as a student. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with large institutional scale and unique market roles.

Ashita Patel is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade Investment Management, LLC, TD Ameritrade, Inc., and Scottrade, Inc. Her current role is based in Jersey City, NJ. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and uses standardized asset allocation models and Schwab research tools to guide clients.

Anubhav Bhatyal is a financial advisor at Citizens Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Merrill, ICICI Bank, and Ernst & Young LLP. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory approach includes a digital advisory program with ETF-based portfolios and discretionary managed accounts.

Juan Althabe is a financial advisor at Citigroup Global Markets with Series 66 and Series 63 credentials and six years of industry experience. He previously worked at 7 North Global Services Corp for nine years and took one year off for family and travel. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles and commercial arrangements.