William Cheshire Jr. is a financial advisor at Equity Services, Inc. with 19 years of industry experience. He holds a Series 63 designation and has worked at National Life Group and Equity Services since 2014. Outside of his advisory role, he is involved in health and property and casualty insurance brokerage. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad client base including individuals, corporations, and charitable organizations. The firm offers multiple advisory platforms that incorporate long-term strategies alongside options for shorter-term trading, utilizing a network of third-party asset managers and model portfolios.

Michael Bernabeo is a financial advisor with Primerica Advisors based in Long Beach, NY, holding the ChFC® designation and Series 63 license. He has 27 years of industry experience and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of his advisory role, he serves as an executor and healthcare agent for a family member’s will. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs along with financial and business consulting. The firm manages approximately $15 billion in regulatory assets under management through a mix of discretionary and non-discretionary strategies and supports various account-level services including lending and donor-advised funds.

Russel Sands is a financial advisor at Kestra Advisory with 44 years of industry experience. He holds a Series 63 designation and has worked previously at Lincoln Investment and Legend Advisory Corporation. In addition to his advisory role, Sands is an insurance agent involved in selling insurance products tailored to clients' needs. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, offering services that include plan design, fiduciary consulting, employee education, and access to multiple management platforms and third-party managed solutions.

Mark Cirelli is a CFP® and PFS™ with 26 years of industry experience. He is currently with OSAIC Advisory Services, LLC and previously worked for American Portfolios Financial Services, Inc. for 15 years. He is also president of a financial planning and tax consulting firm, North Shore Wealth Management Advisors, Inc. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base including individuals, pension and profit-sharing plans, corporations, trusts, and charitable organizations. The firm offers investment management, financial planning, retirement plan consulting, and related services through multiple program models and utilizes both proprietary and third-party platforms.

John Kim is a financial advisor at Principal Financial Services with Series 63 and Series 65 credentials and eight years of industry experience. His previous roles include positions at JP Morgan Securities, Wells Fargo Clearing, and New York Life Insurance Company. Outside of his advisory work, he owns K Points Guy LLC, a venture that provides travel tips focused on maximizing credit card points and travel destinations. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides direct advisory programs, financial planning, and access to third-party money manager solutions, with investment implementation typically managed on a discretionary basis.

Nicholas Borkowski is a financial advisor with Lincoln Investment in Holbrook, NY, holding a Series 63 designation and nine years of industry experience. He previously worked at Voya Financial Advisors and TD Bank before joining Lincoln Investment in 2019. Lincoln Investment serves individual and institutional clients, including high-net-worth individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a specialization in educators and 403(b)/457(b) participants. The firm offers a variety of financial planning and investment management services, using both strategic and tactical approaches overseen by an Investment Management & Research team.

Nina Barbarino is a financial advisor with Empower Advisory Group in King’s Park, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Her career includes service at GWFS Equities, Inc. since 2022 and a sixteen-year tenure at Prudential Insurance Company of America and Prudential Investment Management Services. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering financial planning and investment management through an integrated platform linked to Empower’s recordkeeping and administrative services. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors, supporting a large client base relative to its advisor count.

Christopher Walkley is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Janney Montgomery Scott since 2017 and previously held various roles at Morgan Stanley entities from 2008 to 2017. 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 including individuals, families, trusts, estates, and institutional clients, offering brokerage services, financial planning, and multiple advisory programs utilizing both in-house and third-party portfolio management.

Darren Stevenson is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior work includes roles at LPL Financial and New York Community Bank. Outside of finance, he owns So Many Ways Music, a music publishing company. TD Private Client Wealth LLC provides discretionary wrap-fee managed accounts and brokerage services to institutional and high-net-worth clients, utilizing a mix of affiliated and third-party managers with a focus on strategic and tactical asset allocation.

Donna Mannarino is a financial advisor at Citigroup Global Markets with 25 years of industry experience. She has held her current position since 2007. Her credentials include the Series 63 and Series 66 licenses. 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 and maintains in-house research and security-pricing capabilities, operating at a large institutional scale with specialized market roles.

David Degraff is a financial advisor at Janney Montgomery Scott with 35 years of industry experience. He has held Series 63 and Series 66 licenses and has been with Janney Montgomery Scott since 1991. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse clientele including individuals, families, trusts, estates, and institutional clients, offering brokerage, financial planning, consulting, and various advisory programs.

Donald Pawluk is a financial advisor with Kestra Advisory Services who holds Series 63, 65, and 66 licenses and has 21 years of industry experience. He has worked at Kestra Investment Services LLC since 2022 and also owns and operates an insurance agency, DFP Insurance and Financial Services, focusing on property and casualty insurance. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, offering services including fiduciary consulting, plan design, compliance testing, and employee education. The firm serves large institutional investors and employs a due diligence process to support its investment recommendations.

Adam Janowski is a financial advisor with PlanMember Securities Corporation, holding a Series 63 license and six years of industry experience. He has previously worked at Grant Thornton LLP and is involved in entrepreneurial activities including serving as CEO and coach of the Long Island Goalkeeper Academy, which provides soccer coaching resources to local leagues. He also leads Preston Consulting Inc., offering tax preparation and business consulting services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation process to manage risk-based mutual fund portfolios and offers education, personalized planning, and support services to plan sponsors and participants.

Roodmy Cesar is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Edward Jones, Bank of America, Merrill, Equity Services, Inc., NYLIFE Securities LLC, and New York Life Insurance Company. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services primarily to institutional and high-net-worth private clients. The firm uses a mix of strategic and tactical asset allocation with investments from both affiliated and third-party managers and provides ongoing portfolio management, financial planning support, and custody through third-party custodians.

Andrew Gozinsky is a financial advisor with Primerica Advisors, holding a Series 63 designation and 28 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 1998. Gozinsky holds a Juris Doctor degree, although he is not an active member of the New York State bar. Park Avenue Securities serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement-plan consulting through a variety of proprietary and third-party investment programs.

Nino Colletti is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include lengthy tenures at Charles Schwab and shorter periods at Thrivent Financial and Bankers Life. Citigroup Global Markets serves individual and institutional clients across diverse wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with extensive internal oversight and provides access to both traditional and alternative investment solutions.

Connor Hall is a CFP® and holds a Series 66 designation with one year of industry experience. He is currently an Investment Adviser Representative at Kestra Advisory Services, LLC and has prior experience at Coastline Wealth Management. Outside of his advisory role, he works part-time as an independent ice hockey official, officiating games from youth to adult levels. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and employee education, serving large institutional investors such as sovereign wealth funds.

Gary Liskow is a financial advisor with Equity Services, Inc., holding a Series 63 designation and 37 years of industry experience. He has been with Equity Services, Inc. and National Life since 2008. Outside of his advisory role, he is president of Gary P. Liskow Corp., where he sells life, disability, health, and long-term care insurance. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and frequently uses third-party asset managers and model portfolios, combining long-term investment strategies with options for shorter-term trading and specialized instruments.

Keith Brady is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He is also a partner at South Shore Financial Services LLC, providing accounting and tax preparation services, and serves as an adjunct professor of accounting at SUNY Farmingdale. Additionally, he is a board trustee for Adults and Children with Learning Disabilities, a nonprofit organization supporting individuals with learning disabilities. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, offering educational support and personalized retirement planning to plan sponsors and participants.

Nicholas Vissichelli is a financial advisor at Guardian Life with 12 years of industry experience. He holds the Series 63 designation and has worked primarily with Park Avenue Securities and Guardian Life Insurance since 2014. Outside of his advisory role, he serves as a board member for the McNamara Charity Golf Outing. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a combination of proprietary and third-party investment advisory programs.