Melissa Narine is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and eight years of industry experience. She has been with Citibank since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Catherine Keane is a financial advisor at TIAA-CREF with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has been with TIAA-CREF since 1991. Outside of her advisory role, she is a co-owner of a second home used as a rental property. TIAA‑CREF Individual & Institutional Services provides financial planning and discretionary managed account programs primarily for individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and other entities. The firm offers both point-in-time planning services and ongoing portfolio management under a fiduciary standard, utilizing model portfolios or customized solutions.

Todd Geller is a financial advisor at &PARTNERS with 35 years of industry experience. He holds a Series 63 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2014 to 2025. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management, financial and tax planning, and retirement-plan services through a combination of fundamental, technical, and quantitative analysis, utilizing both proprietary and third-party strategies.

Christopher Vargas is a financial advisor with Equity Services, Inc., holding the Series 63 designation and bringing 21 years of industry experience. His prior roles include positions at National Life Group, Mass Mutual Investors Services, MassMutual Life Insurance Co, and MetLife Securities. He is also engaged in several entrepreneurial ventures focused on marketing financial planning services to K-12 educators, healthcare professionals, and other employee groups. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that combine long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Anthony Catapano is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior roles include positions at JP Morgan Securities, Edward Jones, E*TRADE, and TD Ameritrade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm integrates its advisory services with Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and client savings rates.

Travis Hayon is a financial advisor with Guardian Life and holds a Series 66 designation. He has two years of industry experience and has previously worked with Park Avenue Securities, The Neefus-Stype Agency, and Cornerstone Insurance Services. Outside of his advisory role, he serves as the Interim Membership Chair for LeTip, a professional networking organization. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and advisory solutions, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party investment platforms.

Samuel Descovich is a financial advisor at Citigroup Global Markets with 27 years of industry experience. His prior roles include positions at UBS Financial Services and Deutsche Bank. Outside of his advisory work, he is a managing member of BINNI LLC, a holding company for rental properties in Florida. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including derivatives and futures services.

Michael Desepoli is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 17 years of industry experience. He has worked at Heritage Financial Advisory Group and Commonwealth Financial Network since 2023 and spent a decade with Cambridge Investment Research Advisors. He also operates Desepoli Wealth Management, a private practice established in 2002. Outside of his advisory roles, he serves as a trustee in a non-investment capacity. Commonwealth Financial Network is a registered investment adviser supporting a national network of nearly 3,000 advisors through a range of advisory programs, technology, and operational services. The firm offers discretionary model portfolios and customized investment solutions, while advisors maintain discretion over client portfolios across diverse securities and insurance products.

Steven Brett is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at Marcum Wealth, Valmark Securities, and Raymond James Financial Services. Outside of advisory work, he serves as a trustee for a family trust and is a general partner and investor in a franchised health and beauty retail corporation. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment approach that combines passive and active management with quantitative and fundamental research.

Daniel Spagnolo is a financial advisor at Kestra Advisory with 25 years of industry experience. His prior roles include positions at Kingswood Wealth Advisors and American Portfolios Financial Services. Outside of advising, he is involved with the Crohn's & Colitis Foundation as a fundraising member and operates an insurance brokerage focusing on life, disability, health, and long-term care insurance. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan-level investment advice, and employee education, serving clients that range from large institutional investors to sovereign wealth funds.

Paul Lacava is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked with New York Life Insurance Company and affiliated firms since 1991 and operates under DBAs Wealth Conservation Group, Inc. and Benefits Plus Financial Services, Inc., both focused on selling New York Life products and brokering non-registered insurance products. Outside of financial services, he is involved as an owner of a company engaged in automobile engine research and development. Eagle Strategies serves a diverse client base including individuals, defined contribution and defined benefit plans, and charitable organizations. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Keith Salegna is a financial advisor with Private Advisor Group, LLC and has 32 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial and Private Advisor Group since 2011, as well as maintaining a longstanding affiliation with Ray Young since 1993. Salegna is also involved with RK Wealth Advisors, LLC in a non-investment capacity. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and provides access to proprietary and third-party managed account solutions.

Anthony Cerulli is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Citigroup Global Markets since 2015. Outside of his advisory role, he works as a weekend driver for a ride-sharing service in Long Island, NY. 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 through both discretionary and non-discretionary programs and maintains unique market roles including swap dealer and futures commission merchant activities.

R Dunuwila is a financial advisor at Voya Financial Advisors, Inc. with 43 years of industry experience. He holds the Chartered Financial Consultant (ChFC®) designation along with Series 63 and Series 65 licenses. Prior to joining Voya in 2020, he worked at Lincoln Investment Planning, Inc. for 16 years. Outside of his advisory role, he volunteers as a translator for Shakti Village Empowerment, a nonprofit organization. Voya Financial Advisors, Inc. serves individuals—including high-net-worth clients—as well as pension plans, charitable organizations, and corporate clients through comprehensive financial planning, portfolio management, and advisory services. The firm utilizes investment policy statements, model allocations, and technology-enabled tools to deliver customized recommendations, operating both as an SEC-registered investment adviser and a FINRA-member broker-dealer.

Thomas Desroches is a financial advisor with PlanMember Securities Corporation, holding a Series 66 credential and eight years of industry experience. His career includes roles at Pruco Securities, The Prudential Insurance Company of America, and Axa Advisors. Outside of finance, he works as a garden assistant at Stew Leonard's Grocery Store and coaches youth basketball and soccer with Programs 4 All Kids. PlanMember provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm’s investment approach is based on strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Thomas Gape is a financial advisor with Equity Services, Inc., holding a Series 66 license and one year of industry experience. His prior work history includes roles at National Life Group, Mass Mutual, and Schuberts II Inc. Outside of his advisory work, he is also engaged as an insurance agent. Equity Services, Inc., operating 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, frequently utilizes third-party asset managers and model portfolios, and manages both discretionary and non-discretionary accounts.

Andrea Loughlin is a financial advisor at Oppenheimer with 45 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Oppenheimer since 2015. Prior to that, she gained extensive experience at Morgan Stanley and its affiliates beginning in 2007. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, retirement plans, and charitable organizations. The firm offers a wide range of investment programs with both discretionary and non-discretionary management, maintaining custody of client assets while providing services that include asset allocation guidance and performance reporting.

Christine Eriksen is a financial advisor with TIAA-CREF in Melville, NY, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm employs a fiduciary standard for its RIA services and provides both model portfolio and customized portfolio management options.

Jason Bonito is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Citigroup since 2017 and previously worked at Joseph Stone Capital, LLC from 2013 to 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution and custody services. The firm combines large institutional scale with distinctive market roles, providing varied advisory solutions including discretionary accounts, alternative investments, and lending secured by advisory assets.

Richard Gallipoli is a ChFC® credentialed financial advisor at Guardian Life with 35 years of industry experience. He has worked at Guardian Life and its subsidiaries since 2007 and has been with Park Avenue Securities since 2018. Outside of advising, he teaches a six-hour defensive driving safety course. Park Avenue Securities LLC, a subsidiary of Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and digital advisory solutions.