Patricia Smagin is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. Her prior roles include positions at UBS Financial Services and Merrill. She is also involved with Kentra Advisory Services LLC, providing fee-based investment advisory services and client reviews. Kestra Advisory Services offers investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm provides services ranging from fiduciary consulting and plan design to employee education and pooled plan solutions, managing approximately $79.8 billion in assets with a focus that includes large institutional investors such as sovereign wealth funds.

Rw Barnes Jr. is a financial advisor at Kestra Advisory with 10 years of industry experience. He holds a Series 66 designation and has worked at Kestra Advisory since 2018, with prior experience at MassMutual and MetLife Securities. Barnes Jr. also serves as president of his own wealth management firm established for tax reporting purposes. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services including fiduciary consulting, plan design, and advisor-managed accounts. The firm serves large institutional investors and utilizes multiple management platforms, supporting discretionary trading within its supervisory framework.

Timothy Longo is a financial advisor at Kestra Advisory with 27 years of industry experience. His prior experience includes nine years at American Capital Partners, LLC. He holds Series 63, Series 65, and Series 66 credentials. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm serves very large institutional investors, including sovereign wealth funds, and offers services such as fiduciary consulting, plan design, and advisor-managed accounts.

Melody Fuller is a financial advisor at Citigroup Global Markets with 21 years of industry experience. She holds Series 63 and Series 65 registrations. Her prior experience includes roles at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., where she worked for over a decade. Citigroup Global Markets serves both individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, with a notable scale and market presence including in-house research and unique roles as a swap dealer and futures commission merchant.

Keith Edmonson is a financial advisor with PlanMember Securities Corporation, holding a Series 63 designation and bringing 32 years of industry experience. He has worked at PlanMember since 2014 and has been affiliated with Mutual, Inc. since 1993, where he is involved in insurance and financial sales as well as tax preparation. Outside of PlanMember, he has a longstanding role with UPS since 2009. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education and support services such as seminars, personalized planning, and separation counseling.

Jeffrey Spiro is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Mutual Inc. and PlanMember Securities Corporation since 2010 and was associated with the School Administrators Association of New York State from 2008 to 2025. He is also involved in the sale of fixed insurance products through MUTUAL, INC. / Daybright Financial. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework managing risk-based mutual-fund portfolios and offers education and support services including seminars and personalized retirement planning.

Steffan Hagendorf is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 26 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 12 years before joining Kestra in 2022. He is also involved with Hagendorf & Havell Wealth Management, providing financial and insurance services to individuals, businesses, and institutions. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm provides fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Michael Punturieri is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, utilizing both strategic and tactical approaches through in-house and third-party strategies.

David Rivera Rivera is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Citigroup since 2021 and previously held positions at Merrill and Citibank. 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 unique market roles, including in-house research and derivatives services, and implements a range of discretionary and non-discretionary investment strategies.

Eugene Donohue is a financial advisor with GWN Securities Inc., holding a Series 63 designation and over 30 years of industry experience. He has been president of Eugene J Donohue Inc. and Donohue & Associates, Inc. since 1983. Outside of advising, he serves as a director at Skilles Unlimited, a non-investment-related business. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm operates a large network of advisors and offers a range of investment programs, including legacy market-timing and momentum-based strategies.

Shihhua Wang is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 18 years of industry experience. Wang has been with Citigroup since 2013. Outside of the financial industry, Wang is involved in travel and leisure consulting, including roles as a travel agent and independent consultant specializing in travel, fine dining, and leisure activities. 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 unique market roles, including in-house research and derivatives services.

Steven Paoletti is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Wells Fargo affiliates since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of his advisory role, he serves as a trustee for the Trust for Mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader array of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

John Zeumer is a financial advisor at J.P. Morgan Securities with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations and functions, delivering services on a non-discretionary basis while clients retain final decision-making authority.

Thomas Leonard is a Financial Advisor with Merrill Lynch Wealth Management. With a 30-year career in the financial markets, he has led Institutional Sales teams for several major global financial firms and guided sophisticated investors through significant market events including the 1987 Stock Market Crash, the ERM Currency Crisis, the Dot-Com Stock Crisis, 9/11, and the 2008 Great Financial Crisis. This extensive experience has equipped him with practical knowledge to help individual investors navigate financial uncertainty. Thomas specializes in a broad range of client focus areas such as college education planning, employee benefits planning, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, special needs planning, and retirement income. He and his team adopt a consultative approach to develop customized financial strategies tailored to each client’s unique goals. As an active manager, Thomas is adept at adjusting clients’ portfolios to shifting market conditions, emphasizing organization and planning as keys to successful investing. He holds a Bachelor’s degree from Fairfield University and a Master of Business Administration from Fordham University, and he holds the Professional Investment Advisor (PIA) designation. Thomas participates in community service through involvement with the American Cancer Society. In addition to his professional interests, he enjoys golfing, traveling, yoga, and spending time with his wife and four daughters.

David Rey is a financial advisor at Osaic Wealth, Inc. with 35 years of industry experience. He holds Series 63 and Series 65 credentials and spent 23 years with American Portfolios Financial Services before joining Osaic in 2024. Outside of his advisory role, he owns and operates several insurance and annuity businesses focused on life insurance and fixed annuities. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, corporations, and charitable organizations through a large network of affiliated advisers. The firm combines brokerage and advisory services with financial planning and managed-account solutions, utilizing asset-allocation tools and third-party platforms to construct portfolios across multiple asset classes.

Colette Bitzas is a CFP® professional with 26 years of experience in financial advisory services. She is currently with OSAIC and has previously worked at American Portfolios Financial Services, Inc. and Mas Planning Services, where she also serves as president. Bitzas holds roles in insurance sales and consulting, and she is vice president of the 3 Village Chamber of Commerce, promoting local business owners. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and financial planning. The firm uses advanced asset-allocation tools and supports diverse investment options across discretionary and non-discretionary accounts.

Joseph Iannuzzi is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans that align assets with individual long-term goals. He began his current role in 2022 after serving as an Investment Consultant at Fidelity Investments earlier that same year. Prior to joining Fidelity, Joseph worked at Ameriprise Financial, where he held positions as an Associate Financial Advisor from 2021 to 2022 and as a Paraplanner from 2019 to 2021. Throughout his career, he has gained experience in financial consulting and investment advising. Outside of his professional work, Joseph enjoys baseball, family activities, fitness, and golf.

Michele Pasqualina is currently Vice President, Wealth Planner at Fidelity Investments, where she serves as a primary trusted advisor, collaborating with clients and their families to develop comprehensive and personalized financial planning strategies. She supports clients throughout the entire process, from account opening and funding to navigating complex wealth planning decisions. Michele brings extensive experience to her current role, having held positions including Vice President, Senior Wealth Advisor at Hightower Advisors; Vice President, Senior Portfolio Advisor at Merrill Lynch; Vice President, Private Client Advisor at JP Morgan; and Financial Advisor at Morgan Stanley. Her career reflects a consistent focus on wealth planning and portfolio advisory roles. Outside of her professional work, Michele has personal interests in art, food, kayaking, Pilates, traveling, and volunteering.

Jacqueline Thiele is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Additionally, she serves as co-trustee of her parents’ trusts. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics combined with diversification principles and modern portfolio theory to manage approximately $671 billion in assets through a network of over 14,000 financial advisors.

Brian Krauthamer is a CFP®-certified financial advisor with 20 years of industry experience. He currently works at Morgan Stanley and has previously held positions at J.P. Morgan Securities and J.P. Morgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and comprehensive asset management.