Joseph Marano is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Merrill since 1989. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Damiano is a financial advisor with Morgan Stanley in Hauppauge, NY. He holds a Series 66 designation and has one year of industry experience, including prior roles at Raymond James Financial and RBC Capital Markets. Outside of his advisory work, he assists with operations and customer service at Girard Wealth Management Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and proprietary planning tools.

Richard Nicolich is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at American Portfolios Financial Services, Inc. and LPL Financial. He is also active as an insurance broker. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs a variety of portfolio construction tools and provides access to multiple third-party managers and advisory platforms.

Linda Springer is a financial advisor with Primerica Advisors in Hauppauge, NY, holding a Series 63 designation and over 22 years of industry experience. She has worked with PFS Investments Inc, Primerica Financial Services, and Theodore Roussis & Associates since 1999. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management services primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, emphasizing a tiered percentage-based fee approach.

Michael Poncet is a Series 66-licensed advisor at Ameriprise with two years of industry experience. Before joining Ameriprise, he worked at Equitable Advisors, LLC and has held various roles including outside operations at Meadow Brook Club, where he serves as a caddie providing shot-to-shot strategy and practice facility maintenance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that offers customized retirement-income planning and tax-aware withdrawal strategies.

Jessica Istchenko is a financial advisor at LPL Financial with 21 years of industry experience. She holds a Series 63 designation and previously worked at Equity Services, Inc. and National Life Group for 14 years each. She is also an insurance agent operating under Cellen Financial, selling life, disability, and health insurance products. 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 of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Robert Whitehead is a financial advisor with Ameriprise in Glen Cove, NY, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he is a contractor for Certainity of Uncertainty, LLC. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to generate personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Louise Fallica is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 66 designations and has 41 years of industry experience. Prior to joining Osaic in 2024, she worked for American Portfolios Financial Services, Inc. for 10 years and has been associated with Design Capital Planning Group, Inc. since 1979. She serves as a board member of the International Association of Registered Financial Consultants. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors through a large network of affiliated advisers. The firm offers integrated brokerage, investment advisory services, and access to third-party money managers, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Adam Cafarella is currently serving as Vice President, Financial Consultant. He assists individuals and businesses in achieving their financial goals by developing personalized strategies tailored to each client's unique needs. Adam emphasizes transparency, education, and ongoing support to empower clients in making informed financial decisions. Adam's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2021 to 2024, and as an Investment Consultant at the same firm from 2014 to 2021. Prior to that, he was a Financial Advisor at Stifel Nicolaus & Company Inc in 2014 and at Wells Fargo Advisors from 2012 to 2014. His earlier positions include Client Associate roles at Wells Fargo and Merrill Lynch and a Financial Representative at Northwestern Mutual. Outside of his professional work, Adam enjoys activities such as beach outings, boating, cars, family activities, golf, and reading.

Brandon Kustek is the Vice President, Financial Consultant at Fidelity Investments. In this role, he works closely with local individuals and families to develop and maintain financial plans focused on building, preserving, and distributing their wealth to provide peace of mind. Prior to this, he held positions as a Financial Consultant, Planning Consultant, Relationship Manager, and Financial Representative within Fidelity Investments, as well as a Financial Professional at AXA Advisors. Brandon's experience spans various financial advisory and planning roles, providing him with a broad understanding of wealth management strategies. His career progression within Fidelity Investments demonstrates a continued commitment to supporting clients' financial goals. Outside of his professional responsibilities, Brandon enjoys spending time at the beach, boating, and golfing.

Brenda Connolly is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2023, with previous experience at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Dylan Simms is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked in various roles including positions at Jones Lang Lasalle and several service and hospitality companies. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Paul De Santis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 21 years of industry experience. His career includes roles at Bank of America and Merrill prior to joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2019. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Michael St. Pierre is a financial advisor at Cetera with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and New York Community Bank. Outside of his advisory role, he serves on the board of the Association for Mental Health and Wellness and is involved in property and casualty insurance sales through his own company. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, 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, utilizing a multi-manager platform with diverse program options and custodial arrangements.

Joseph Schwan is a financial advisor at Cetera with 23 years of industry experience. He holds a Series 63 designation and has worked at firms including LPL Financial and Avantax Advisory Services. Outside of his advisory role, he is a silent partner in a payroll processing company and operates a tax and financial services practice under Joseph M. Schwan CPA, P.C. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services utilizing both affiliated and third-party managers across multiple program structures.

Janet Keefe is a financial advisor at Morgan Stanley with 41 years of industry experience. She has held positions at Merrill from 1979 to 2016 before joining Morgan Stanley in 2016. She holds a Series 63 designation. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Ryan Kessler is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within the Wells Fargo organization since 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including retirement, education, risk, and wealth-transfer planning, and incorporates proprietary research and planning tools to develop tailored recommendations.

James De Gaetano is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 36 years of industry experience. His career includes nearly three decades at Metlife Securities Inc. and over ten years with MassMutual Life Insurance Company. He is also an independent insurance agent specializing in disability, life, accident, health, and long-term care insurance. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software to analyze client goals and deliver written recommendations.

William Rugen is a financial advisor with Cetera, holding a Series 63 designation and bringing 39 years of industry experience. His career includes roles at Lincoln Financial Advisors, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Outside of advisory work, he is involved in tax preparation and insurance sales, including life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management options and third-party money managers, supporting both discretionary and non-discretionary account management.

Kenneth Cerini is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, Cerini is involved in nonprofit activities, including serving as treasurer on the board of the Nonprofit Resource Hub and as president of the Cerini Family Foundation, and he manages a tax preparation firm. Ameriprise is an institutional firm offering a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations delivered in partnership with a client's financial advisor.