Mark Parrott is a financial advisor with OSAIC based in Medford, NY, holding Series 63, 65, and 66 credentials and bringing 37 years of industry experience. He has been affiliated with Creative Retirement Planning and OSAIC for over 30 years. Outside of advising, he performs as a musician in nightclubs and has authored a book on economic trends. OSAIC Wealth serves a diverse clientele including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager programs.

Christopher Casano is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has prior work experience spanning construction, food services, and education. Casano has maintained a long-term association with Laronde Beach Club since 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage a variety of registered investment companies.

Joseph Marano is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Merrill since 1989. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Richard Nicolich is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including American Portfolios Financial Services, Inc., LPL Financial, Invest Financial Corporation, and Uvest Financial Services Group, Inc. OSAIC serves a diverse client base comprising individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with asset allocation and portfolio optimization tools, and supports a range of managed portfolio programs and third-party manager options.

Kasten Carter is a financial advisor with Morgan Stanley in Riverhead, NY, holding a Series 66 designation and 10 years of industry experience. He previously worked at UBS Financial Services Inc. for seven years and AXA Advisors, LLC for two years before joining Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, relying on structured discovery processes and firm-approved planning tools.

Susan Palmer is a financial advisor at Morgan Stanley with 47 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets starting in 1993. Outside of her advisor role, she is a general partner in a family limited partnership and serves on the Board of Advocates for the College of Arts & Sciences at Stony Brook University. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory services, utilizing structured planning tools and proprietary investment models.

Scott Neuberger is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in January 2018 to continue a family legacy of providing wealth-building and retirement strategies to families, along with access to co-fiduciary services for 401(k) plans. His client focus areas include divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Scott holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree from Fairleigh Dickinson University and a Master's degree from New York University. He is associated with professional organizations such as FDU Men's Lacrosse and Sigma Chi. Outside of his professional work, Scott participates in community activities such as Movember. His personal interests include baseball, ice hockey, soccer, spending time with his family, and watching movies.

Niall Patterson is a Financial Consultant with Fidelity Investments, where he partners with clients and their families to understand their financial needs and the impact of their decisions on their lives. His focus is on helping clients build a financial plan that provides confidence and peace of mind. He has over a decade of experience in the financial services industry, having held several roles at Fidelity Investments since 2015, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Brokerage Account Manager at American Capital LLC from 2013 to 2015.

William Rugen is a financial advisor with Cetera, holding a Series 63 designation and bringing 39 years of industry experience. His career includes roles at Lincoln Financial Advisors, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Outside of advisory work, he is involved in tax preparation and insurance sales, including life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management options and third-party money managers, supporting both discretionary and non-discretionary account management.

Michael Beza is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 65 and Series 63 licenses and has been with J.P. Morgan Securities since 2012, following a brief tenure at Chase Investment Services Corp. in the same year. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, including ESG considerations, supported by centralized due diligence and implementation by affiliated entities.

Paul Moran is a financial advisor with LPL Financial in Medford, NY, holding a Series 63 designation and 17 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. from 2016 to 2022. Moran is also a licensed agent for non-variable insurance products and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a variety of investment strategies, including model portfolios and third-party asset management, and provides non-advisory financial services alongside its advisory platform.

Daniel Silfer is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 66 credential and has held various roles in real estate sales, marketing, and commerce, including ownership positions in several businesses unrelated to his advisory role. Silfer’s background includes work with JPMorgan Chase Bank and prior experience in real estate and industrial equipment sales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program is non-discretionary, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Robert Worlow is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with J.P. Morgan in various capacities since 2014, including his current role since 2018. Prior to J.P. Morgan, he worked at Wells Fargo Clearing from 2012 to 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory approach combines quantitative and qualitative manager due diligence with customized asset allocation advice, emphasizing client decision-making and incorporating ESG considerations.

Christopher Caufield is a financial advisor with UBS Financial Services in Sound Beach, NY, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Painewebber and UBS Financial Services since 1999. Outside of his advisory role, he is active as a livery driver for both Lyft and Uber. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Marc Koch is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and has worked at several firms, including JPMorgan Chase Bank and First Republic Investment Management. Koch currently serves clients in Quogue, NY. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Brian Steck is the Vice President and Executive Planning Consultant at Fidelity Investments. In this role, he focuses on creating tailored client experiences by building long-term relationships and delivering customized financial planning services that align with each client's unique goals and objectives. Brian has extensive experience within Fidelity Investments, having served in various leadership and advisory roles since 1993. His positions have included Market Leader, Senior Branch Office Manager, Branch Office Manager, and Assistant Branch Manager. Prior to joining Fidelity, he worked as a Portfolio Manager and Financial Advisor at Fifth Third Bank and as an Investment Representative at Edward Jones. He holds an Arkansas Insurance License. Outside of his professional responsibilities, Brian enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, as well as football, golf, and photography.

Scott Zambelli is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and AXA Advisors, LLC. Outside of his advisory work, he is involved as a silent partner and financial manager of a local deli and serves as First Vice President on the executive board of the Suffolk County Police Athletic League, a community outreach program for children. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization through various managed account options and third-party manager programs.

Caitlin Murray is a financial advisor at Raymond James Financial with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Raymond James and Wells Fargo Clearing in various advisory roles. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and encourages implementation through advisory programs or other providers.

George Visintin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2018, and previously held roles at HSBC Bank USA and HSBC Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The program combines quantitative and qualitative due diligence with forward-looking capital market assumptions and incorporates ESG considerations within its recommendations.

Louis Alfano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. Prior to joining LPL Financial in 2022, he worked for American Portfolios Financial Services, Inc. from 2016 to 2022. Outside of his advisory role, he is involved with Prime Performance Sports through outside employment. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.