Panayota Deluca is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Merrill from 2009 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by proprietary planning tools and investment models.

Fabio Purita is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Capital One prior to his current role. Outside of finance, his background includes time spent in education and technology sectors, such as roles at Binghamton University and Zebra Technologies. 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Samuel Lewis is a Series 66-licensed financial advisor with Morgan Stanley in New York, NY, and has 16 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Vincent Serro is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2013. Outside of his advisory role, he assists part-time with a family business, Grandpa Pete's Sunday Sauce, which sells pasta sauce at fairs and festivals. 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 non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Timothy Mirocco is a financial advisor at LPL Financial with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. Outside of advisory work, he operates as a sole proprietor agent for non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options supported by in-house and third-party research.

Thomas Clifford III is a financial advisor at Cetera with 30 years of industry experience. He holds a Series 63 designation and has been with Cetera and its affiliated entities since 2013. Clifford is also an independent insurance agent specializing in life, accident, and health insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that provides access to affiliated and third-party managers across diverse program structures.

Mark Filiberto is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and bringing 39 years of industry experience. He has worked at LPL Financial since 2019 and has been involved with Suffolk Federal Credit Union since 2013, including a role at Cuna Brokerage Services from 2013 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm provides a range of advisory programs and financial planning services supported by research and manages both discretionary and non-discretionary portfolios.

Rocco Carriero is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, Carriero serves on the board of the Southampton Business Alliance, holds an honorary presidency with Mondi Lucani APS in Italy, and is an author of a forthcoming business guide titled *The Three Cords: A Business Owner's Guide*. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet specific asset criteria, providing tailored recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic automation overseen by a dedicated team, emphasizing managed accounts and affiliated investment products.

Eric Flowers is a financial advisor with Mass Mutual Investors Services in Bohemia, NY, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He previously worked at MetLife Securities from 2005 to 2017 and has been with Massachusetts Mutual Life Insurance Company since 2016. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Anthony Barone is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2017, following prior roles at Wells Fargo Advisors. Outside of his advisory work, he owns a financial services company and a real estate holding corporation. Ameriprise serves clients primarily through its retirement-income planning service targeting individuals with significant investable assets, offering tailored, research-based recommendations that incorporate tax-efficient withdrawal strategies and asset management within Ameriprise accounts.

Katherine Connors is a CFP® with 29 years of industry experience. She is currently with Cetera and also operates KC Wealth Management LLC, through which she provides financial planning and investment management. Her prior experience includes roles at Avantax Advisory Services, 1st Global Advisors, and Avantax Insurance Services. Cetera Investment Advisers LLC serves a broad client base ranging from individuals to institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with both discretionary and non-discretionary strategies.

Joseph Depietro is a financial advisor with LPL Financial, holding Series 65, Series 63, and Series 66 credentials and 30 years of industry experience. His career includes roles at M&T Bank, TD Bank N.A., and TD Private Client Wealth LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Brian Nydegger is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He worked at RBC Dain Rauscher Inc. for 19 years before joining LPL Financial in 2021. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Matthew Kelley is a financial advisor with Cetera, holding a Series 63 designation and bringing 21 years of industry experience. He previously worked at Lincoln Financial Advisors for 12 years before joining Cetera in 2024. Outside of his advisory role, he is also involved in selling fixed insurance products and works as a financial advisor at Economic Planning Group East. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and provides access to multiple program structures and third-party managers.

Edward Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Edward earned a Bachelor's Degree from Kings College. His role involves providing guidance and strategies to help clients manage and grow their financial assets.

Cara Angelo is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. She has held roles at multiple firms, including Avantax and KC Wealth Management LLC, where she is a partner and oversees client relationships, operations, and staff management. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Robert Mantle is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including TD Waterhouse Investor Services Inc and TD Private Client Wealth LLC. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes.

Chad Esposito is a financial advisor at Charles Schwab with 22 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade, Inc., TD Ameritrade Investment Management, LLC, and Scottrade, Inc. Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by centralized custody and operational infrastructure.

Gianfranco Calio is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at the Town of Oyster Bay Housing Authority, ADP, SUNY Plattsburgh, and work in the restaurant business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction based on proprietary research and quantitative analysis. The firm also serves as an adviser to multiple registered investment companies and employs algorithmic and AI-driven methods in its investment process.

Collin Beardslee is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2016, including two years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.