Neil Solina is a financial advisor at Cetera with 20 years of industry experience. He holds a Series 63 designation and has been with Cetera and its related entities since 2013. Outside of advising, Solina manages a home audio sales business and works as a truck driver for FedEx. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Michael Schwenk is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets, City National Bank, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, emphasizing an advisory role without providing individual security recommendations in standalone planning.

Panayota Deluca is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill and Banc of America Investment Services. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate agreements.

Kelli Ann Lanino is a financial advisor with Raymond James Financial in Hampton Bays, NY, holding a Series 66 designation and 25 years of industry experience. She has been with Raymond James Financial Services since 2011. Lanino is also the owner of KL Wealth Strategies LLC and serves as a Certified Divorce Financial Analyst through her involvement with East End Divorce Planning LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting, employing risk profiling and analytical tools to support client decision-making.

Samuel Lewis is a Series 66-licensed financial advisor with Morgan Stanley in New York, NY, and has 16 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Vincent Serro is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining J.P. Morgan Securities in 2013, he worked at Stifel and Ryan Beck & Co. Outside of his advisory role, he assists part-time with a family business that sells pasta sauce at fairs and festivals. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and offers capabilities in derivatives and commodities through affiliated entities.

Rocco Carriero is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, Carriero serves on the board of the Southampton Business Alliance, holds an honorary presidency with Mondi Lucani APS in Italy, and is an author of a forthcoming business guide titled *The Three Cords: A Business Owner's Guide*. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet specific asset criteria, providing tailored recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation overseen by a dedicated team, emphasizing managed accounts and affiliated investment products.

Brian Nydegger is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at RBC Dain Rauscher Inc. for 19 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a variety of financial planning and investment management solutions.

Edward Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Edward earned a Bachelor's Degree from Kings College. His role involves providing guidance and strategies to help clients manage and grow their financial assets.

Philip Scaglione is a financial advisor with Morgan Stanley in Riverhead, NY, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior work includes roles at JPMorgan Chase Bank and JPMorgan Securities, as well as service with the Suffolk County Board of Elections. He serves on the investment committee of the Holy Cross Society Endowment Fund for the Dormition of the Virgin Mary Church. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Collin Beardslee is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2016, including two years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Bessy Guevara is a financial advisor with Fidelity and holds a Series 66 designation. She has three years of industry experience and has worked at Fidelity Investments since 2022. Her prior experience includes roles at Stony Brook University and Teachers Federal Credit Union. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.

Michael Spelman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His career includes roles at Merrill, CUNA Mutual Group, and Myrmidon Private Capital LLC. Outside of advising, he is a business owner of Spelman Pearce Pizza Properties LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology and extensive resources.

Kateryna Skliarenko is a financial advisor with LPL Financial, holding a Series 66 license and one year of industry experience. Her prior experience includes roles at Bank of America Private Bank, Merrill Lynch, and Point 32 Investment Partners. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platform services.

Robert Forrester is a financial professional with nine years of industry experience, currently associated with Cetera. He holds the Series 66 designation and has worked at several firms including Johnson Mowdy Associates, LSWM LLC, and National Asset Management. Outside of his advisory role, he owns a tax and bookkeeping service and is involved as a staff accountant providing tax and payroll services locally. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Michael Schmid is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and various insurance and trust services.

Raymond Di Sunno is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and three years of industry experience. His prior roles include positions at MassMutual Life Insurance Company and Tuscaloosa City Schools, as well as a nine-year tenure with Kids of Mount Sinai. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and supports various event-driven planning programs.

Matthew Clarke is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has 10 years of industry experience. His prior roles include positions at Vanguard Advisers and Vanguard Marketing Corporation. He is currently based in Rocky Point, NY. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Caleb Zuhoski is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliates since 2025. Prior to his career in financial advising, he was employed at New York Cancer & Blood Specialist and Riverhead Highschool. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with various program options and custodial relationships.

Kim Caldwell is a CFP® professional with 30 years of experience in the financial industry, currently serving as an advisor at LPL Financial since 2009. She has previously sold life and long-term care insurance through Prudential and Traveler's Insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, leveraging both proprietary research and third-party strategies across discretionary and non-discretionary accounts.