Ritu Bhayana is a financial advisor at Steward Partners Investment Advisory, LLC with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wachovia Bank, N.A. Outside of her advisory role, Bhayana has part-time involvement as a member in two real estate companies, Charnika Real Estate, LLC and C&N Development, LLC, where she assists with management and bill payments. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, including high-net-worth clients, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through various investment advisory, financial planning, and managed account programs.

Anca Garcia is a financial advisor at Beacon Pointe Advisors, LLC with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Legacy Edge Advisors, WealthShield Partners, Orbis Wealth, and Tiaa. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients. The firm uses a mix of third-party independent managers selected through a formal due-diligence process and offers services including discretionary wealth management, retirement plan consulting, and outsourced CIO solutions.

Ruairi Oneill is a financial advisor with TD Private Client Wealth LLC, holding the ChFC® designation and Series 66 and 63 licenses, with 12 years of industry experience. His prior roles include positions at Tapfin/EY, Ameriprise, J.P. Morgan Securities, and Chase Investment Services. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm combines strategic and tactical asset allocation using both affiliated and third-party sub-managers, offering ongoing portfolio management, financial planning support, and custody services through a technology platform backed by Envestnet and Pershing.

James Jedlicka is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms, including Key Investment Services LLC, KeyBank, LPL Financial, Sterling National Bank, and JP Morgan. He has been with Citigroup since 2019. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering diversified investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal oversight and notable institutional capabilities, including derivatives and futures services.

Jon Wessels is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and having 24 years of industry experience. He has worked at Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with significant institutional scale and specialized market roles.

Frank Cifuni is a financial advisor with Money Concepts Capital Corp, holding a Series 66 designation and 22 years of industry experience. He has been with Money Concepts Capital Corp since 2003. Outside of his advisory role, he is president of LCG Tax Services, LLC, and serves as an officer for the charity Valley Cottage Indians Inc. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm offers multiple managed programs using model portfolios and third-party sub-advisers, combining fundamental and technical analysis with modern portfolio theory.

Michael Herkert is a Series 66-licensed financial advisor with Commonwealth Financial Network, based in Tarrytown, NY. He has four years of industry experience, including prior roles at Kestra Investment Services and Westchester Financial Advisors. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, allowing advisors discretion in portfolio construction alongside model portfolios managed by its Investment Management and Research team.

Celia Valez is a financial advisor with Valic Financial Advisors and holds Series 63 and Series 65 licenses. She has eight years of industry experience, including prior roles at JPMorgan Securities LLC and StateFarm. Valez is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Lisa Raghunanan is a financial advisor at Key Investment Services LLC with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities and Jpmorgan Chase Bank NA. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm utilizes a multi-provider platform and offers a range of wrap-fee programs supported by affiliated insurance products and services from KeyCorp affiliates.

Michael Dimola is a financial advisor at Hightower Advisors with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Securities America Advisors, Inc. and Securities America, Inc. He also operates a CPA practice, Michael Dimola, CPA, PC, which he has owned since 1996. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers services such as discretionary portfolio management, financial planning, and retirement plan consulting.

Sean Franklin is a financial advisor with Stratos Wealth Partners, Ltd., holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with Stratos Wealth Partners and LPL Financial since 2016 and was previously with Eagle Strategies (NY Life) from 2011 to 2016. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise adviser with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutional clients, using an IAR-driven model with open-architecture portfolio management and integrations with multiple third-party platforms and managers.

Thomas Herkert is a CFP® professional with 37 years of experience in the financial advisory industry. He is currently with Commonwealth Financial Network and also operates Herkert Advisors, LLC. His prior experience includes roles at Kestra Advisory Services, LLC and Westchester Financial Advisors. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing over $210 billion in client assets. The firm provides a broad platform that includes managed-account programs, access to third-party asset managers, and custody services, offering a range of investment options tailored to client goals and risk tolerance.

Gawain Mckenzie is a financial advisor at TD Private Client Wealth LLC with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. He currently operates out of Ramsey, NJ. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios through a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers.

Jonathan Schoenberg is a CFP®-credentialed financial advisor with over 21 years of experience, currently affiliated with Eagle Strategies (NY Life). He has worked with multiple firms including The RSI Group, Lenert Financial Group, and IPB Financial. Schoenberg holds roles in several affiliated entities related to insurance and investment services. Eagle Strategies serves a wide range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Renzo Bautista is a financial advisor at TD Private Client Wealth LLC with five years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at firms including J.P. Morgan Securities LLC, Merrill, and Bank of America, N.A. Bautista is also affiliated with Wilmington University. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios using a combination of strategic and tactical asset allocation through both affiliated and third-party sub-managers.

Shlomo Schmalz is a financial advisor with Guardian Life in Pomona, NY, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with Guardian Life since 2015 and has also worked with Safrin Associates since 2014. Guardian Life’s subsidiary, Park Avenue® Wealth Management, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored financial planning and consulting through advisor-led discretionary management, model-based strategies, and a digital advisory platform.

Edmund Unneland is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Citigroup in 2022, he was self-employed for one year and spent over two decades at Loews Corporation. Outside of his advisory work, he is involved in managing multiple rental properties. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including in-house research and derivatives services.

Sean Hillegass is a financial advisor at Hightower Advisors with 5 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at EmblemHealth, Network Doctor, Equitable Advisors, and AXA Advisors. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions, utilizing affiliated and third-party managers along with proprietary research to offer customized portfolio management and financial planning.

William Galvin Jr. is a CFP® with 26 years of industry experience, currently serving with Hightower Advisors since 2024. His prior roles include lengthy tenures at CMG Financial Planning Ltd and Equitable Advisors. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that incorporates proprietary research and a variety of investment vehicles. The firm also manages large pooled and institutional mandates, with capabilities in international exposure and customized portfolio construction.

Joseph Cain is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked for American Portfolios Financial Services, Inc. for 20 years. Outside of advisory work, he operates a tax preparation business and manages the website SideGig.com. Osaic Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base that includes individuals, pension plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a range of investment programs, retirement plan consulting, access to alternative investments, and uses a variety of investment strategies supported by platform relationships and affiliated managers.