John Romano is a CFP® professional affiliated with OSAIC, with 44 years of industry experience. He previously worked with Securities America Advisors, Inc. and Securities America, Inc. for 26 years and has been involved with Senior Capital Services for over 30 years. Romano is the author of the book *Distribution Strategies for Retirement*. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct portfolios across various investment types.

Margaret Harcar is a financial advisor with OSAIC, holding a Series 65 credential and bringing 27 years of industry experience. Her career includes long tenures with Securities America and its affiliated entities from 1997 to 2024 before joining OSAIC. She also operates a vintage and used item store on eBay. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services with various investment platforms and third-party solutions. The firm employs asset-allocation tools and risk assessments to create portfolios across multiple asset classes, managing accounts on both discretionary and non-discretionary bases.