Jason Elfenbein is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His career includes roles at Bank of America and Quick & Reilly, Inc., with over 15 years at Bank of America and 17 years at Merrill. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Melissa Hourihan is a financial advisor with Ameriprise in Washingtonville, NY, holding a Series 66 designation and bringing three years of industry experience. She previously worked at Bruderman Asset Management, LLC for 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement who meet specific asset thresholds, combining research and modeling techniques to deliver tax-smart withdrawal strategies and Social Security claiming advice. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Peter Dedel is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and bringing 46 years of industry experience. He previously worked at Bruderman Brothers Inc. and Gary Goldberg & Co., Inc. Dedel serves on the Board of Directors for the Eagle Valley Volunteer Fire Company and is a Commissioner for the Tuxedo Joint Fire District. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, delivered by a centralized consulting team in partnership with financial advisors.

Patrick Sweeney is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Ameriprise, UBS Financial Services, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Landon Tan is a CFP® with 10 years of industry experience, currently serving as an advisor at LPL Financial since 2020. Prior to joining LPL, he worked at KMS Financial Services / Robin Tan for six years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors and employs both discretionary and non-discretionary strategies, supported by research and technology tools.

Thomas Small is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2015, following a year at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Tab Mak is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and has previously worked at MSI Financial Services, New England Securities, and Equitable Advisors. Outside of his advisory role, he also works part-time as an insurance claims adjuster. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by extensive advisor resources and technology.

Christopher Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers a range of advisory and consulting services with a primarily non-discretionary approach.

Christine Weber is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Primerica in 2021, she worked at Santander Securities, LLC and Santander Bank. Outside of financial advising, she owns and manages retail and sales businesses, including Miscellany Overhaul, LLC, and THE GOAT'S HAUL, LLC. Primerica Advisors is a firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that uses model-delivery strategies and discretionary management, supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Richard Martin is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 40 years of industry experience. He has been with Ameriprise since 1986 and currently serves as chairman of the Andrew Nissen Scholarship Fund board of directors. Richard also manages his practice through Richard Martin LLC. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice through a centralized team, using proprietary research and third-party tools to focus on dependable income sources and tax-aware withdrawal 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 with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He 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 supports a small family farming business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a blend of quantitative and qualitative research.

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.

Nicholas Sherry is a financial advisor with Edward Jones in Nyack, NY. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked briefly at Hennion & Walsh, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets across a wide range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

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.

Barry Goldberg is a financial advisor at Fisher Investments with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at J. J. Burns & Company for two years before joining Fisher Investments in 2018. Fisher Investments serves a global clientele including institutional and high-net-worth private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s centralized investment process combines quantitative screening and qualitative research to build globally diversified portfolios and employs tax-aware and risk management strategies.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 33 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities (USA) Inc. He is also involved in a business entity connected to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms while supporting advisors with research tools and a broad array of financial services.

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.

Robert Freireich is a financial advisor with LPL Financial in Tarrytown, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with LPL Financial since 2002 and has been involved with The Capital Preserve, Inc. since 2005. Freireich is also a retired attorney. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a variety of financial planning and asset management services, combining advisory platforms with non-advisory financial activities such as affiliated insurance and banking partnerships.