A fee only and hourly NAPFA - Registered Financial Advisor and Certified Financial Planner ™ professional who enjoys helping clients take the many puzzle pieces in their financial lives and connect them so that they have the financial lives they want to have now or in the future. Specialties: fee only financial planning, wealth management, client management, retirement planning, education planning, financial literacy As an hourly only financial strategist, I leverage my knowledge and experience working with individuals and families at all levels of wealth and at multiple institutions to benefit my clients.

Richard Polo is a financial advisor with Retirement Wealth Management, LLC in Nutley, NJ, holding Series 65 and Series 66 licenses and having 11 years of industry experience. He has worked at Cetera Investment Advisers LLC and CETERA Financial Specialists LLC, and has been a self-employed consultant. Polo also manages an accounting and tax consulting practice, Polo Financial Consulting & Tax Services, LLC. Retirement Wealth Management, LLC is a small, supported registered investment adviser serving individuals, trusts, estates, and small businesses. The firm employs a fundamental, long-term investment approach using a variety of securities and occasionally derivatives, providing discretionary portfolio management and financial planning services.

Esteban Handal is the principal of Handal Dunaway LLC, an investment manager based in New York, NY. He holds Series 63 and Series 65 licenses and has two years of industry experience, including prior roles at Nomura Securities International Inc. and Centerview Partners. Outside of advisory work, he is the founder and 50% owner of Washington Academy S.A. de C.V., a technical school offering various vocational courses in Monterrey, Mexico. Handal Dunaway LLC provides discretionary and non-discretionary portfolio management to individual and corporate clients, including high-net-worth individuals. The firm employs a mix of fundamental analysis and modern portfolio theory, with a broad investable universe that includes mutual funds, ETFs, derivatives, and margin transactions.

Ravi Malhotra is a financial advisor at Oak & Reed Capital Management, LLC with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Oak & Reed Capital Management serves individuals, trusts, pension and profit-sharing plans, and small businesses. The firm offers portfolio and asset management, financial planning, and pension consulting, managing approximately $19 million in client assets with a focus on fundamental analysis supplemented by technical and macroeconomic factors.

Robert Colby is the principal of Robert W. Colby Asset Management, Inc. in New York, NY, with 9 years of industry experience. He holds a Series 65 designation and has been self-employed since 2001. Colby conducts quantitative and technical research, and he is an author of books and articles published on multiple platforms, including his own websites. His firm serves individual and high-net-worth clients with approximately $4.63 million in discretionary assets under management. The firm employs proprietary quantitative and technical methods focused on Exchange Traded Funds and systematic ranking, offering a limited selection of actively managed portfolios and allocations with dynamic allocation strategies.

Anthony Ford is a CFP® professional with five years of experience in financial advising at Ford Financial Solutions, LLC in New York, NY. He is also the owner and principal of Ford Law, PLLC, a New York law firm providing legal services to individuals. Ford Financial Solutions serves both high-net-worth and non-HNW individual clients with comprehensive financial planning and coordinated investment management. The firm employs a primarily passive, asset-allocation-driven approach using low-cost index funds and third-party asset managers, and offers a range of planning engagements along with educational programming.

Bryan Koslow is a CFP® with 16 years of industry experience, currently serving at Clarus Group LLC in New York, NY. He has been with Clarus Group, CommonWealth Financial Network, and Cetera Advisors since 2013. Outside of his advisory role, Koslow is a sole proprietor providing accounting, tax preparation, and business valuation services, and he serves on the boards of the Foundation for MERS and Court Appointed Special Advocates for Children of Monmouth County, Inc. He also chairs the Investment Committee for the New Jersey Society of CPAs. Clarus Group provides discretionary investment management and financial planning to individuals, trusts, estates, corporations, and retirement plan participants. The firm manages approximately $158 million for about 182 clients, employing a combination of fundamental and technical analysis to build primarily long-term portfolios while utilizing options and derivatives as part of its strategies.

Douglas Mollin is a CFP® and holds a Series 63 license, serving as the sole advisor at Enright, Mollin, Cascio & Ramusevic, Inc. He has worked at the firm since 1993, totaling 33 years of experience. In addition to his advisory role, the firm principals maintain ownership in an affiliated tax and accounting practice, providing some clients with access to both investment and tax services. Enright, Mollin, Cascio & Ramusevic, Inc. offers personalized investment supervisory services and financial consultations to individuals, including high net worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a global balanced allocation strategy emphasizing mutual funds and ETFs across asset classes, focusing on risk control through asset allocation and diversification.

John Nettuno is an advisor with J.H. Darbie & Co., Inc. He holds Series 63 and Series 66 licenses and began his advisory career in 2025. Prior to joining J.H. Darbie, he worked at St Joseph's Health and Tata Consulting Services. J.H. Darbie & Co., Inc. provides non-discretionary investment advisory and brokerage services to individuals, trusts, estates, and business entities. The firm employs a combination of cyclical, fundamental, and technical analysis with value-oriented and tactical asset allocation strategies, and participates in third-party adviser programs.

Alana Stone is a CFP® with 20 years of experience and has been with Heydorn Stone Capital Management LLC since 2005. She holds a Series 63 license and works out of Larchmont, NY. Heydorn Stone Capital Management LLC is an independent registered investment adviser managing approximately $125.6 million across about 105 client relationships. The firm provides discretionary portfolio management and financial planning services to individuals, trustees, retirement plans, endowments, foundations, and corporations, using a client-centered approach that emphasizes diversification and tailored asset allocation.

Jeff Ho is a financial advisor with Generation Wealth Management in New York City. He holds a Series 65 designation and has nine years of industry experience. Ho has been a sole proprietor since 2017 and has worked at Generation Wealth Management since 2016. He also serves as an insurance agent in a separate business activity. Generation Wealth Management provides fee-based financial planning and discretionary portfolio management primarily for individual clients, along with services for businesses and plan sponsors. The firm combines fundamental, technical, and cyclical analysis in its investment approach and offers both one-time and ongoing planning, including retirement plan consulting and public seminars.

John Connolly is a financial advisor at Atlantis Asset Management, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at New York Life Insurance Company and NYLIFE Securities LLC since 2008 and 2009, respectively. Outside of his advisory role, he is a broker for a health care insurance firm, receiving annual renewal compensation. Atlantis Asset Management is a small, fee-based SEC-registered investment adviser serving individuals, trusts, estates, pension, and business clients. The firm provides discretionary portfolio management utilizing a combination of macro, fundamental, technical, and cycle analysis, and is noted for its use of derivatives primarily as risk-management tools to reduce volatility.

Mitchell Poirier is a financial advisor at SMP Financial Planning, LLC in New York, NY, holding a Series 66 designation with 12 years of industry experience. His prior roles include positions at Novare Capital Management, LLC and TIAA-CREF Individual & Institutional Services, LLC. SMP Financial Planning, LLC provides wealth management and financial planning services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored 401(k) plans. The firm offers discretionary portfolio management and consulting services, utilizing a mix of fundamental and technical analysis to tailor portfolios according to client goals and risk tolerance.

Prakash Gupta is a financial advisor with Essex Advisory, holding Series 63 and Series 66 designations and 15 years of industry experience. His prior work includes roles at San Blas Securities, LLC and International Financial Solutions, Inc. He is also the owner of SG Trading & Services, where he provides financial analysis, modeling, and consulting services. Essex Advisory offers financial planning and fee-based investment advisory services primarily to individual and high-net-worth clients, as well as businesses and institutional retirement plans. The firm tailors investment strategies to client goals and risk tolerance, utilizing a range of securities including mutual funds, ETFs, and derivatives.

Steven Wieting is a financial advisor at CIO Capital Group LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citi Private Alternatives, LLC and Citigroup Global Markets Inc. prior to joining CIO Capital Group. CIO Capital Group LLC provides wealth management and investment advisory services exclusively to ultra-high-net-worth individuals, families, and family offices through a single wrap fee program. The firm uses quantitative tools and proprietary analytics to support portfolio management and focuses on maintaining closely managed client relationships.

Adam Lazarus is a financial advisor at Integrity Advisory Partners LLC in New York, NY, holding the PFS™ and Series 66 designations with 13 years of industry experience. He has been self-employed since 2012 and has worked with Integrity Financial Partners, Inc. since 2005. In addition to his advisory work, Mr. Lazarus provides tax preparation, tax planning, and accounting services in his self-employed capacity. Integrity Advisory Partners LLC offers investment management and financial planning services primarily to individual and high-net-worth clients, using a combination of fundamental analysis and charting. The firm employs a mix of long-term, short-term, and trading strategies and typically works with clients maintaining a minimum investment of $1,000,000.

Matthew Carey is a financial advisor at Blue Spark Capital Advisors in New York, NY, holding Series 63 and Series 65 licenses with nine years of industry experience. He has been with Blue Spark Capital Advisors and Blue Spark Financial since 2012 and is also affiliated with Iona College since 2011. Blue Spark Capital Advisors is a fee-only fiduciary wealth management firm specializing in serving women and their families during major life transitions. The firm combines discretionary investment management with comprehensive financial planning, focusing on liability-driven investing and broad diversification tailored to each client’s time frame and risk tolerance.

Syed Tirmizi is a financial advisor at Elphinstone with five years of industry experience. He holds Series 63 and Series 65 licenses and serves as a partner at Alere LLC, where he is involved in mergers and acquisitions advisory services. His prior experience includes roles at Avalere and ITG Inc. Elphinstone offers automated portfolio management through mobile platforms, providing ETF-based advised portfolios and self-directed trading options without account minimums. The firm uses algorithm-driven advice based on modern portfolio theory and serves both individual and institutional clients via an internet-only delivery model.

Rosemarie Marino is a financial advisor at Hemisphere Partners LLC in New York, NY, with 4 years of industry experience. She holds the Series 63 designation and has been with Hemisphere Partners since 2005. Hemisphere Partners serves primarily high-net-worth individuals and their estate planning vehicles or personal holding companies, offering portfolio management and consulting services. The firm creates tailored, diversified portfolios using a variety of investment vehicles, including international funds and third-party separately managed accounts, and manages approximately $208 million for about four dozen clients.

Dalya Inhaber is a CFP® and holds a Series 65 license with nine years of industry experience. She has been with Minerva Wealth Advisory since 2015, where she serves as one of two advisors. Minerva Wealth Advisory is a fee-only, SEC-registered investment adviser serving individuals, couples, and families. The firm manages approximately $59 million with a focus on diversified asset allocation, employing ETFs, index funds, and selective active managers within a long-term, buy-and-hold strategy.