Michael Karwoski is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since 2013, he has worked with clients to provide customized investment strategies tailored to their individual goals. His expertise includes college education planning, divorce transition planning, family wealth management, retirement income strategies, personal retirement planning, and special needs planning, among others. Michael focuses on simplifying clients’ financial lives by prioritizing their objectives and developing personalized strategies. Michael has been a registered Financial Advisor since 2010. He holds a bachelor's degree in Economics from Yale University, where he also competed in Division 1 hockey and lacrosse. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of work, Michael enjoys coaching youth lacrosse, playing golf, and participating in various outdoor sports. He lives in Northport, NY, with his wife Brenna and daughter Caroline. He volunteers with community organizations and values the Merrill tradition of community service.

Ryan La Mar is a financial advisor with Ameriprise in Sayville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Steel Ridge Advisors and has been involved with Binghamton University since 2022. He has also participated in community activities with the Sayville Yacht Club and local schools. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines algorithmic tools with advisor oversight and delivers a broad range of advisory and insurance solutions through its large institutional platform.

Ivy Peterson is a financial advisor with Ameriprise in Mount Sinai, NY, holding a Series 66 designation and 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved with Gold Coast Wealth Advisors LLC, a business used to manage staff and office expenses. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income, Social Security, and tax-efficient withdrawal strategies. The firm utilizes a combination of research, modeling, and automated tools overseen by a committee to generate and tailor retirement income recommendations.

Dominic Stilletti is a financial advisor at Ameriprise with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2018, including its predecessor Ameriprise Financial Services, Inc., and previously at Capital One Investment Services, LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides a combination of advisory, brokerage, and insurance solutions, utilizing research and modeling to deliver tailored, tax-efficient retirement income recommendations.

Sandra Jacklett is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley and its affiliated entities since 2007. Based in Hauppauge, NY, her career includes over 17 years specifically with Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Geoffrey Ringstad is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel since 2019, following a 17-year tenure at First Empire Securities, Inc. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Its investment approach relies on a proprietary methodology developed by the Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

John Desio is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and has also been affiliated with MassMutual Life Insurance Company since 2016. In addition to his advisory role, he is involved in individual and group life and health insurance sales. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and a range of programs including educational seminars, with options for clients to implement recommendations through separate brokerage or insurance arrangements.

Christopher Longo is a financial advisor at Stifel with 35 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009 and holds a Series 63 designation. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Danny Shum is a financial advisor at Wells Fargo Advisors with 37 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010. Outside of his advisory role, he manages day-to-day operations of B and D Partners and owns Danny Shum, Inc., both investment-related businesses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad range of planning services including retirement, education, risk, and wealth-transfer planning, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

Scott Pisano is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Pisano serves as an umpire for baseball, basketball, and softball games in various local officials associations in New York. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Ryan Hickey is a financial advisor with J.P. Morgan Securities in Hauppauge, NY, holding Series 66 and Series 63 licenses and eight years of industry experience. He has worked at various JPMorgan entities since 2017 and has served as an assistant athletic trainer with 3D Athletics, providing basketball and fitness training to youth. J.P. Morgan Securities LLC delivers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm emphasizes a non-discretionary approach, combining an ESG eligibility framework with access to a broad range of product types through its broader banking and broker-dealer affiliates.

Michael Butensky is a CFP® and ChFC® with 37 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at Securities America Advisors, Axa Advisors, and New York Life-related firms. He is a managing partner of Heritage Harbor Financial Associates, an LLC providing financial services, and holds a fixed annuity agent position with Athene. He is also a licensed notary. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisors, offering integrated brokerage and investment advisory services that include financial planning, retirement plan consulting, and access to various third-party money managers and managed-account solutions.

Jeffrey Greco is a financial advisor at LPL Financial with 33 years of industry experience. He holds the ChFC® designation and a Series 63 license. Prior to joining LPL Financial in 2019, he worked at Mutual Inc., PlanMember Securities Corporation, and Long Island Wealth Management. Outside of his advisory role, he is involved with several business entities related to insurance and consulting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and model portfolios supported by LPL Research and third-party subadvisors.

Thomas Murray is a financial advisor at Cetera with 26 years of industry experience and holds a Series 66 designation. His career includes roles at Avantax Advisory Services, 1 St Global Advisors Inc., and a long tenure at Albrecht, Viggiano, Zureck & Co., P.C. He serves as a trustee for an irrevocable trust involved with insurance premium payments. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, overseeing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Francis Backus is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 25 years of industry experience. He has been with Primerica Advisors since 2000 and Primerica Financial Services since 1999. Outside of advisory activities, he is involved in the sale of loan products and home-related services referrals and has an affiliation with Coinbase. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies across various approaches, including allocations to cryptocurrency ETFs, and supports its advisory services through a large network of financial advisors.

David Disunno is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 36 years of industry experience, including 26 years at Metlife Securities Inc. and over a decade with MassMutual Life Insurance Company. In addition to his advisory role, he is licensed as an insurance agent specializing in individual life, property and casualty, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that use firm-approved software and tools to analyze client goals.

Charles Richardson is a financial advisor with Cetera, holding the ChFC® and Series 63 designations and having 35 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Outside of advising, he works as an independent insurance agent and is also a part-time freelance musician. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services and access to third-party money managers.

George Sucich is a CFP® with 42 years of industry experience, currently serving as a financial advisor at OSAIC since 2017. He previously worked for National Planning Corporation for 14 years. Outside of his advisory role, he is the executive owner of George N Sucich Assoc, Inc., which provides tax preparation and occasional life and health insurance sales. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, using a range of tools including asset-allocation models and automated rebalancing to manage portfolios.

Brendan Whitehead is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has worked at both Ameriprise and Northwestern Mutual. His background also includes roles outside the financial industry, including positions at Sacred Heart University and Kellenberg Memorial High School. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Arthur Gonsalves III is a financial advisor with Raymond James Financial who holds a Series 63 designation and has 31 years of industry experience. He has been associated with Girard Wealth Management Group and Raymond James Financial Services since 2019. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and government entities. The firm offers financial planning and non-discretionary investment consulting supported by a wide range of resources and emphasizes advisory services with significant non-discretionary client engagements.