Michael Peist is a CFP® with 32 years of industry experience currently affiliated with Cetera. He has worked at Cetera since 2007 and holds a position as a risk management consultant at Apterra Infrastructure Capital, where he analyzes loans and loan portfolios to identify and mitigate risk. Peist also operates a tax preparation business during the tax season. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, encompassing both discretionary and non-discretionary strategies.

Scott Johnston is a financial advisor at Raymond James Financial Services Advisors, Inc. with 27 years of industry experience. He holds a Series 63 designation and has previously worked at firms including LPL Financial, Kestra Investment Services, Berk Wealth Management, and OSAIC. Outside of his advisory role, he consults on basic tax preparation and accounting for a partnership firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using various analytical tools and supports clients through its extensive advisor network and specialized programs.

Ljindon Vukdedaj is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he serves as a soccer referee for high school games and assists with a small family farming business focused on fruit, vegetable, and egg production. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

David Goldring is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera and its affiliate firms since 2007 and has led Goldring Wealth Management Services Inc. since 2011. Outside of his advisory role, he is involved in accounting, bookkeeping, and tax preparation through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Donald Kluge is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has operated The Kluge Financial Group LLC since 1987 and has been with Cetera since 2005. He is also involved in selling health insurance and provides tax preparation services through Donald Kluge & Co, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management options, financial planning, and retirement services, operating a multi-manager platform with assets under management exceeding $256 billion.

Susan Flanagan is Vice President and Branch Leader at Fidelity's Chappaqua branch, a position she has held since 2024. She has nearly 20 years of experience in the financial industry, focusing on helping clients create and maintain sound financial plans. Susan leads a team dedicated to providing a thorough and client-centered approach to financial planning, aiming to understand clients' priorities and goals. Her prior roles include Assistant Branch Leader at Fidelity's Scarsdale branch from 2022 to 2024, Business Transformation Project Lead at AllianceBernstein from 2018 to 2022, Strategic Sales Manager at AllianceBernstein from 2010 to 2018, and Internal Wholesaler at AllianceBernstein from 2006 to 2010. Throughout her career, Susan has developed expertise in financial planning and business transformation within the investment management sector. Outside of her professional work, Susan is involved in family activities, social events with friends, and parenthood. She also enjoys running and volunteering in her community.

Joseph Vessecchia is a Planning Consultant at Fidelity Investments, where he works to positively impact the financial health, wealth, and peace of mind of his clients by partnering with them to develop and implement customized financial plans tailored to each individual. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before assuming his current role in 2025. Prior to joining Fidelity, Joseph worked as a Financial Consultant at E*TRADE LLC from 2018 to 2023. He began his career in the financial services industry as an Associate Financial Consultant at Charles Schwab from 2015 to 2018. Throughout his career, Joseph has focused on providing financial planning and investment consulting services. Outside of his professional work, Joseph has interests in art, baseball, movies, music, pets, and theater.

Michelle Rosenberg is a financial advisor at Cetera with 25 years of industry experience. She holds a Series 63 designation and has worked with Millman and Rosenberg Associates Ltd since 2016. In addition to her advisory role, she co-owns Millman and Rosenberg Associates, Ltd., a tax consulting and business management firm, and is a 50% owner and manager of Rosemill Ventures LLC, a business consulting company. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features a multi-manager platform with access to affiliated and third-party managers.

Nicholas Colombo is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, he worked at Criterion Management for two years. Outside of his advisory role, he is president of the Young Professionals Alzheimer's Council under the Alzheimer's Association Hudson Valley Chapter and serves on the boards of the Armonk Chamber of Commerce and STEER for Student Athletes. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households and organizations. The firm offers various advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Thomas Knoesel is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 designations and has worked at Primerica Advisors since 2020. Prior to his advisory role, Knoesel held positions at Revlon Inc. and Sundial Brands LLC. Outside of advising, he owns SanTom Consolidated Companies, a financial consulting business, and works as a part-time driver for Uber. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Caroline Bravo is a Financial Consultant currently working at Fidelity Investments since 2023. She has been involved in the financial services industry for over 12 years, holding positions including Investment Consultant at Fidelity Investments, Wealth Client Consultant at Citizens Investment Services, Premier Advisor at Citizens Wealth Management, Financial Advisor at M&T Securities, and Licensed Banker at M&T Bank. Her professional experience encompasses a range of roles focused on client financial education and strategy development. Caroline works collaboratively with clients to understand their unique financial situations and create tailored strategies aimed at achieving their financial goals. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Claire Diele is a financial advisor at Equitable Advisors with 26 years of industry experience. She has held the Series 63 and Series 65 designations and has been with Equitable Advisors since 2001, having also worked at AXA Advisors, LLC during that time. Outside of her advisory role, she was involved with American Dream Promotions Inc. for over four decades. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, using a hybrid referral and implementation model.

Ross Shandra is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Lincoln Financial Advisors for 14 years before joining OSAIC in 2025. OSAIC serves a wide range of retail and institutional clients, providing brokerage and investment advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios and offers access to multiple third-party investment platforms and solutions.

Samuel Connelly is a financial advisor with Cetera in Armonk, NY, holding Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at LPL Enterprise, The Prudential Insurance Company of America, and several other financial services firms. Before his advisory career, he worked in media with Dimidium Media and IBT Media. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Joseph Lovecchio is a Financial Consultant at Fidelity Investments, where he focuses on assisting clients with saving for and transitioning into retirement. He collaborates with clients to build financial plans that provide a clear and actionable roadmap tailored to their individual needs. Joseph has held several roles at Fidelity Investments since 2021, including Planning Consultant, Relationship Manager, and High Net Worth Service Associate. Prior to joining Fidelity, he worked as a Relationship Banker at JP Morgan Chase and as a Financial Planner at Barnum Financial Group. Outside of his professional work, Joseph enjoys baseball, beach activities, family time, fitness, and golf.

Benjamin Harrison is a CFP® certificant with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2013. Based in Chappaqua, NY, he owns and operates an online Etsy store, Bible Vision Prints, which sells digital prints related to Bible visualization. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 advisors.

Francisco Rivera is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including JPMorgan Chase, Wells Fargo Bank, and Webster Bank. He is also a commissioned notary public in the state of Connecticut. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm employs both discretionary and non-discretionary management strategies and provides access to research, model portfolios, and advanced portfolio management tools.

William Baffuto is a financial advisor with Equitable Advisors, holding a Series 66 designation and five years of industry experience. His prior roles include positions at UBS Financial Services Inc and various tenures within Equitable Advisors and affiliated entities. Outside of his financial career, he has worked at Greenburgh Recreational Day Camp. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers a range of financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, primarily working through LPL-sponsored programs and endorsed TAMPs.

Zhu Howard is a financial advisor at LPL Financial in Stamford, CT, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at M&T Bank, JP Morgan Securities LLC, JP Morgan Chase Bank, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios and research from various sources.

Wanda Vasse Koerner is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, having also worked at JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.