Stephen Cohen is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 37 years of industry experience. He previously worked at Metlife Securities Inc. for 18 years before joining Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. He is also a licensed insurance agent offering life, disability, long-term care, fixed annuities, health, dental, and group disability income products, and is an attorney though not actively practicing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and recommend investment strategies without discretionary authority.

Christopher Buelta is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for 24 years. Outside of his advisory role, he is involved as an insurance agent offering various insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm’s investment approach combines model-based asset allocation and portfolio optimization with a range of advisory and brokerage services, supported by multiple custodial and third-party program arrangements.

Brian Zusi is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and six years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services, LLC, Mass Mutual Life Insurance Company, and House of Sports / ASEC, LLC. He also serves as a consultant for GLG World Insight Network, providing expertise in sports coaching and organizational leadership. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual, high-net-worth investors, retirement plans, and institutional entities. The firm utilizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and various non-securities products and services.

Lance Mcginnis is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise Financial Services, Oppenheimer, and Citigroup Global Markets. His practice is based in New City, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory approaches and client needs.

Julian Zapata is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held roles at Citibank, as well as various positions outside finance including culinary and hospitality work. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Krista Collins is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2024. She works closely with individuals and their families to develop investment and planning strategies aligned with their current financial goals and future aspirations. Krista invests significant time at the outset of each client relationship to gain a clear understanding of both their near-term priorities and long-term objectives. This approach enables her to support clients in pursuing important milestones and legacy plans. Her career in financial services includes roles as Vice President and Financial Consultant at Fidelity Investments from 2023 to 2024, Financial Consultant from 2016 to 2022, and Investment Consultant from 2014 to 2016. Prior to joining Fidelity Investments, Krista worked as a Client Service Associate at Edelman Financial Services from 2012 to 2014, and she spent nearly a decade at Equisearch Services in both client relationship and administrative roles. Krista's professional experience reflects a continuous commitment to client service and financial consulting, focusing on personalized investment strategies and long-term financial planning.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Edwin Gonzalez is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds a Series 63 designation and has been with Primerica Advisors and Primerica Financial Services since 1995. Outside of his advisory role, he is the owner of No Boss Unlimited, a separate business venture based in Plantation, Florida. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm relies on model-based investment strategies created by unaffiliated asset managers and supports its advisory services with custodial and trade execution partnerships.

Randall Watsek is a CFP® and CFA® with 15 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. He previously worked at Dalton, Greiner, Hartman, Maher & Co., LLC for 13 years. Outside of his advisory role, he is an author and editor of poetry and literary books and acts as a trustee responsible for managing a family trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a wide range of portfolio management styles and affiliated research.

Nick Kounios is a financial advisor with Osaic in Mount Kisco, NY, holding Series 63 and Series 65 licenses and 23 years of industry experience. He has been with Osaic since 2002. Outside of his advisory role, Kounios is involved in tax preparation and planning through Pinnacle Taxx Inc, where he is a partner and enrolled agent. He is also a board member of a nonprofit organization that provides continuing education to tax professionals. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform with an investment process centered on model-based asset allocation and portfolio optimization, supporting various strategies and third-party partnerships.

Riley Juenger is a financial advisor at Raymond James & Associates with six years of industry experience. He holds a Series 66 designation and has worked at several firms, including Wells Fargo Clearing Services, Cornerstone Wealth Management, and LPL Financial, before joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutional clients, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Maria Castellon is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She has worked at firms including Wells Fargo Advisors, LPL Financial, and HSBC Securities. Castellon holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with an ESG eligibility framework and includes broader derivatives and commodities capabilities.

Pieter Loots is a financial advisor with Merrill in Katonah, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he is an owner and partner in several non-investment businesses, including real estate holdings and an e-commerce venture managed by his wife. 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 strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Robert Bouza is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2003. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Edward Dunn is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2017. Outside of his advisory role, he is president of ECMC Enterprises, an S corporation through which he provides investment capital for art purchases. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, HSBC Securities (USA) Inc., TD Wealth Management Services Inc., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, supporting diverse investment strategies through a large network of adviser representatives.

Kathryn Palao is a CFP® professional with 20 years of industry experience, currently with Cetera. She has worked with Cetera Wealth Services, LLC and Hudson Financial Services since 2006. Palao serves as a board member of the Briarcliff Manor Chamber of Commerce and manages tax preparation and planning through her role as President and CEO of Hudson Tax Services LLC. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning options, operating as a multi-manager platform that supports discretionary and non-discretionary strategies across multiple custodial relationships.

Michael O'Donovan is a financial advisor at Edward Jones in Somers, NY, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and emphasizes tax-efficient services and fiduciary standards in its advisory offerings.

Dennis Zacharopoulos is a financial advisor at Cetera with six years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Equity Services Inc and National Life Group. Outside of his advisory role, he serves as secretary of the Morris Jumel Neighborhood Association board and participates in several nonprofit and community organizations, including Prejudice Unfolded and Groundwork Bridgeport. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients nationwide through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform that allows for customized investment strategies across various program structures.

Patrick Harding is a financial advisor with Wells Fargo Advisors in New City, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Wells Fargo Clearing from 2016 to 2022 before joining Wells Fargo Advisors. Harding also owns Harding Wealth Management LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services. The firm uses proprietary research and planning tools to create tailored recommendations, providing clients with a broad planning menu that includes specialized services such as business-owner transition and special-needs analysis.