Kim Qvistorff is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 35 years of industry experience. Prior to joining LPL Financial in 2026, Kim worked at OSAIC, American Portfolios Financial Services, and Nathan & Lewis Securities, Inc. He serves as the local chapter president of the Rebild National Park Society, a 501(c)(3) charity, and is a board member of the Hans Christian Andersen Storytelling Center, which organizes storytelling events in New York's Central Park. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment solutions, including model portfolios and third-party asset management, supported by technology tools for research and operations.

James Kerr is a financial advisor with Cetera who holds a Series 63 designation and has 35 years of industry experience. His prior work includes roles at Equity Services Inc, National Life Group, MML Investors Services Inc, and MassMutual. In addition to his advisory work, he operates Corporate Plans Retirement Strategies LLC, providing financial and insurance advice, and sells fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes 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 multi-manager platform with access to affiliated and third-party managers.

Jay Durante is a Series 66-licensed financial advisor with Edward Jones, based in Katonah, NY. He has 15 years of industry experience and has been with Edward Jones since 2010. Outside of his advisory role, he is involved with Cowperwood Company, a business focused on architecture and development. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Ryan Mctigue is a financial advisor at Fisher Investments with 12 years of industry experience. He holds the Series 66 designation and has worked at Fisher Investments since 2017, following a year at Ameriprise Financial Services. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm employs a centralized investment approach managed by an Investment Policy Committee and incorporates tax-aware strategies and risk management techniques in its portfolios.

Ernest Escobar is a financial advisor with LPL Financial in Mahwah, NJ, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at JP Morgan Securities and JP Morgan Chase Bank. Outside of advising, he is a co-owner of BE Method, LLC, an e-commerce sales business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of representatives.

Kristen Koluch is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Raymond James since 2015 and previously spent 12 years 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 wide range of clients including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Johnny Copeland is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JP Morgan Chase Bank, Wells Fargo Clearing, and Wells Fargo Bank. He also spent two years at Baruch College early in his career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with quantitative and qualitative analysis, and recommendations may incorporate an ESG eligibility framework.

Derek Adnams is Vice President and Wealth Planner, focusing on developing customized financial plans to help clients and their families manage their wealth effectively. He works closely with clients to understand their personal and financial stories, assess their current situations, and align strategies toward their future goals. Derek's professional experience includes roles such as Financial Consultant at Fidelity Investments since 2021, Premier Banker at Wells Fargo in 2021, Financial Consultant at TD Ameritrade from 2019 to 2021, and other positions with Capital One, Scottrade, MassMutual Albany Agency, Highland Capital Brokerage, New York Life, MassMutual Financial Group, CUNA Mutual Group, and Prudential Financial dating back to 1998. These roles have contributed to his expertise in financial consulting and wealth planning. No information regarding Derek's education, credentials, personal interests, or community involvement was provided.

Ruhi Unwalla is a Series 66-licensed advisor at J.P. Morgan Securities with six years of industry experience. Prior to joining J.P. Morgan in 2020, Ruhi held roles at ASK Wealth Advisors and in debt and treasury advisory at Redbridge. Outside of finance, Ruhi has experience working in fitness-related businesses, including Lucille Roberts and Kika Stretch Studio. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop asset allocation models and offers broader derivatives and commodities capabilities than many institutional advisory programs.

Jared Lynne is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he owns and consults through JLYNNE CONSULTING LLC. Ameriprise serves individuals approaching or in retirement, typically with at least $1 million in investable assets, offering retirement-income planning that includes written Recommendation Reports addressing income sources and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advice, delivered through a centralized consulting team.

Michael Kaplowitz is a CFP® certificant with over 40 years of experience in the financial services industry. He is currently with OSAIC and has worked previously at Securities America and related firms. In addition to his advisory role, he serves as a political district leader for the Somers Democratic Town Committee and volunteers as a board member of the Somers Lions Club. He also holds a J.D. and provides limited legal services on a very part-time basis. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a wide range of brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization tools, supporting strategies that include Unified Managed Accounts and third-party money managers.

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.

Michael Mathias is a CFP® professional with 41 years of industry experience. He is currently with Cetera and has held prior roles at Summit Financial Group Inc. and other firms. Mathias serves as chairman of Interstate Financial Group, a dormant RIA, and also holds leadership roles in insurance-related businesses. Cetera Investment Advisers LLC is a large SEC-registered firm that provides services through a nationwide network of independent advisors. The firm serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering various portfolio management and financial planning solutions across multiple program structures.

Patricia Jones is a financial advisor at Raymond James & Associates with six years of industry experience. She holds Series 65 and Series 63 registrations and previously worked at Dalton, Greiner, Hartman, Maher & Co., LLC for 19 years. 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, institutions, and municipal entities, offering non-discretionary financial planning, investment consulting, and municipal advisory services supported by firm research and multiple portfolio management styles.

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.

Brian Sullivan is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 10 years of industry experience, including roles at Morgan Stanley Private Bank and Royal Alliance. Outside of his advisory work, Sullivan serves as an independent arbitrator advising FINRA on arbitration cases. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning supported by firm-approved analytical tools and also features event-driven planning programs such as divorce and estate-settlement planning.

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.

Savahn Steadman is currently a Planning Consultant at Fidelity Investments. In this role, Savahn focuses on helping clients build clear, actionable financial strategies aligned with their long-term goals. They specialize in guiding individuals through investment planning, retirement readiness, and wealth-building decisions. Savahn has professional experience spanning several roles at Fidelity Investments, including Relationship Manager from 2023 to 2026 and High Net Worth Associate from 2022 to 2023. Prior to that, Savahn worked as a Financial Advisor at Merrill Lynch from 2018 to 2022. Outside of work, Savahn's personal interests include bowling, football, golf, spending time with friends at social events, and caring for pets.

Kenneth Rickens is a CFP® with 16 years of industry experience, currently affiliated with LPL Financial. He previously worked at Kestra Advisory and Premier Wealth Advisors, among others. Outside of his advisory work, he operates KWR Advisors LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.