Michael Obrien Jr. is a financial advisor with Stratos Wealth Partners, Ltd. He holds a Series 63 designation and has 14 years of industry experience. His career includes nine years at LPL Financial, LLC, concurrent with his time at Stratos Wealth Partners. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a broad range of clients, including individuals, retirement plans, corporations, nonprofits, and institutional clients, delivering services through independent and affiliated advisers using an open-architecture investment approach with active portfolio management.

Andrea Avitabile is a financial advisor with Guardian Life and holds Series 63 and Series 65 designations. He has 24 years of industry experience, including roles at Fidelity Personal and Workplace Advisors, Charles Schwab, and HSBC Securities. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting services tailored to client needs.

Michael Reyes is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 2021. Prior to his financial services career, Reyes held roles in retail and education, including positions at Sundown Ski and Snowboard and Adelphi University. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary programs, third-party solutions, and integrated lending options.

Linghsiang Huang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing eight years of industry experience. His background includes roles at Zion Grace Home Health Care & Community Services and New York City Transit. Outside of advising, he operates a sole proprietorship focused on individual tax preparation. Transamerica Financial Advisors serves a broad client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services featuring proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Dennis Lai is a financial advisor with Transamerica Financial Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Transamerica Financial Advisors since 2018 and has been involved in other ventures including Full Productions Inc., where he serves as president and owner of a residential construction business. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing a large advisor network and multiple program platforms. The firm’s advisory model primarily employs model portfolios and third-party managers, serving individual investors, employer-sponsored plans, trusts, and charitable organizations.

Tony Wong is a financial advisor at Guardian Life with 30 years of industry experience. He holds the CFP® designation along with Series 63 and 65 licenses. His prior work includes roles at Park Avenue Securities, MassMutual, MetLife Securities, and HSBC Securities. Tony serves as a board member of the YMCA in Chinatown. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage and investment advisory services to individuals, businesses, and organizations. The firm combines advisor-led discretionary management with model-based strategies and provides a range of financial planning and consulting services tailored to clients’ needs.

Carolyn Frzop is a financial advisor at Janney Montgomery Scott with 37 years of industry experience. She has been with Janney since 1987 and holds a Series 63 designation. Outside of her advisory role, she manages a rental property in Fairfield, Connecticut. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers brokerage, financial planning, consulting, and advisory programs, combining in-house and third-party portfolio management services.

Joseph Bendrihem is a Series 63-registered financial advisor with 16 years of industry experience, currently affiliated with Ameritas Advisory Services, LLC. His prior firms include New York Life, Guardian Life Insurance, and Park Avenue Securities. He is also the managing partner of Heritage Planning Group LLC, an insurance agency. Ameritas Advisory Services, LLC provides a range of investment advisory and planning services to individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes diversified investment strategies including model portfolios, mutual funds, ETFs, and individual securities, supported by multiple program platforms and third-party technology.

Meng Dan Xiao is a financial advisor with HSBC Securities (USA) Inc., holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. Her work history includes tenures at J.P. Morgan Chase Bank and New York Life, alongside her current roles at HSBC Securities and HSBC Bank USA. Outside of her advisory role, she is the owner of AAA Harmony LLC, a business established for real estate property investment. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of program types, combining client-directed and discretionary strategies supported by HSBC Global Asset Management and affiliated third-party providers.

Theodore Papadopoulos is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for nine years before joining Janney in 2021. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, and advisory services through multiple wrap programs and managed account solutions.

Dean Starr is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including LPL Financial, M&T Securities, and HSBC Bank USA. Starr joined Citigroup Global Markets in 2026. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains in-house research, operating at a large institutional scale with specialized market roles and arrangements.

Ronit Rogoszinski is a CFP® professional with 34 years of experience in the financial services industry. She is currently with Osaic Advisory Services, LLC, joining the firm in 2024 after previous roles at American Portfolios Advisors, Inc., SlateStone Wealth, LLC, and LPL Financial. She is also a contributing author to "Money Talks," a book featuring advice on difficult financial conversations. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving individuals, pension plans, corporate and charitable entities, retirement plan participants, and sovereign wealth fund clients. The firm offers a range of investment programs, retirement plan consulting, financial planning, and access to alternative investments, utilizing a combination of fundamental and technical analysis alongside platform integrations and third-party managers.

Bryan Erdheim is a financial advisor at Commonwealth Financial Network with a Series 65 designation and three years of industry experience. His prior work includes 18 years running his own firm, Bryan Erdheim, and 17 years with The Medical Link LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 affiliated advisors. The firm provides a broad platform including managed-account programs, third-party asset manager access, and retirement consulting, serving hundreds of thousands of individual and institutional clients with a range of investment options.

Tony Shen is a financial advisor at Citigroup Global Markets with 24 years of industry experience. He has been with Citigroup since 2007 and holds Series 63 and Series 66 credentials. Outside of his advisory role, Tony contributes to Columbia International University by translating master’s degree materials into Chinese for students in China. Citigroup Global Markets serves individual and institutional clients across wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and functions as a swap dealer and futures commission merchant.

Thomas Scala is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including proprietary research and arrangements as a swap dealer and futures commission merchant.

Zhuobei Deng is a financial advisor with Citigroup Global Markets who holds Series 63 and Series 65 licenses and has 18 years of industry experience. He has worked at Citigroup Global Markets since 2014 and previously at Chase Investment Services Corp. from 2010 to 2011. Citigroup Global Markets serves individual and institutional clients across high-net-worth and ultra-high-net-worth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including operating as a security-based swap dealer and futures commission merchant.

Ethan Weisenberg is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at LPL Financial, The Retirement Group, LLC, and a 12-year tenure at Fsc Securities, alongside operating his own business for over 30 years. He is also involved in insurance sales and underwriting as a sole proprietor. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets, utilizing a diversified investment approach that combines passive and active management supported by quantitative, momentum, and fundamental analysis, with portfolio oversight by an internal Investment Committee.

Evan Steinlauf is a Series 66-credentialed financial advisor at Citigroup Global Markets with 26 years of industry experience. He has worked extensively with J.P. Morgan entities from 2004 to 2025 before joining Citi Wealth Management in 2025. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies using both discretionary and non-discretionary programs, and maintains in-house research and pricing capabilities alongside its unique market roles.

Francis Becker II is a financial advisor at Commonwealth Financial Network with 32 years of industry experience. He holds the CFP®, ChFC®, and Series 63 designations. His prior experience includes roles at American Portfolios Financial Services, Inc. and OSAIC. He is also the owner of Frank J Becker Inc., an agency selling life, LTC, and annuities products. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors. The firm provides a range of advisory programs and back-office support, including investment management, trading, technology, and compliance services.

John Macri is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with Corient, where he has worked since 2023, following eight years at La Ferla Group LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers, utilizing risk management tools and specialized offerings such as private fund capabilities and affiliated trust services.