Joe Lefebvre is a Planning Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he served as a Relationship Manager at Fidelity Investments from 2024 to 2025. His professional background also includes positions as a Private Client Banker at JP Morgan Chase (2023-2024), Financial Advisor at National Life Group (2022-2023), and Client Services Associate at LPL Financial (2021-2022). Joe focuses on understanding clients' goals, concerns, and values to develop financial plans that align with their priorities. He emphasizes listening and collaborating with clients to create strategies that provide clarity and confidence throughout their financial journeys. He holds a California Insurance License. Outside of his professional work, Joe's personal interests include fitness, football, golf, lake activities, running, and traveling.

Tracey Meklaus is a financial advisor with Morgan Stanley in Hauppauge, NY, holding Series 63 and Series 66 registrations and bringing 33 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including direct individual plans and corporate financial planning agreements.

Richard Gucciardo is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and one year of industry experience. Before joining Primerica, he worked for Parker Hannifin for 35 years until 2022. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm relies on model-driven strategies managed by unaffiliated asset managers and offers a range of investment approaches supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Harlan Fischer is a ChFC® and holds a Series 63 license, with 51 years of experience in the financial industry. He is currently with Cetera and has been associated with Cetera Wealth Services, LLC since 2013 and Branch Financial Services, Inc. since 2011. Outside of his advisory roles, Fischer serves as chairman of the Village Planning Board in Harbor, NY, and is an appointed board member of the Suffolk County Citizens Advisory Board for the Arts. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a nationwide network of independent advisors. The firm serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services delivered through various program structures and custodial relationships.

Brandon Liff is a financial advisor at Morgan Stanley with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2021. Prior to this, he was employed at View and Luigi's. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Julia Weitz is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she was involved in creative and production ventures, including Julia Jewel Productions LLC and Bertoni Weitz Productions LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market-based modeling.

Jason Harris is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Osaic Wealth, Inc., having joined in 2024, and previously worked with Ameriprise Financial Services, Inc. for eight years. He serves as treasurer and board member for the nonprofit Hero Spirit Project. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

Michael Fitzgerald is a financial advisor at Raymond James Financial Services Advisors, Inc. with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Wells Fargo Clearing Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools, supports wrap-fee advisory programs, and maintains a municipal advisor affiliation to assist with public finance.

Josue Castro is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and seven years of industry experience. He has worked at several firms, including Equitable Advisors, Axa Advisors, NYLIFE Securities, and New York Life Insurance Company. Castro also has a background that includes a position at Suffolk Community College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including multi-manager and fund-of-funds structures.

James Kessler is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. Outside of his advisory work, he is an owner of a rental property in Hilton Head, SC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations supported by proprietary research and planning tools, with planning engagements typically discrete and adaptable to client needs.

Scott Posner is a CFP® with 37 years of industry experience and has been with Edward Jones since 1998. He serves as president and chairman of the board of the St. James Chamber of Commerce, where he facilitates and arranges meetings and oversees chamber activities. Edward Jones is a full-service wealth management firm with over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Kussoy is a financial advisor at Equitable Advisors with 49 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Kussoy is also involved in an outside brokerage contract. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Brandon De Ramo is a financial advisor with Charles Schwab holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab and related entities since 2022 and previously held positions at TD Ameritrade and Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and a centralized operational structure.

Eric Stubbs is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2016, with prior experience at J.P. Morgan Securities. Outside of his advisory work, he serves on the doctoral dissertation committee at the University of Iceland, is treasurer on the board of a condominium association, and assists exonerees through the New England Innocence Project by providing financial education. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored portfolio management and financial planning services, utilizing a combination of in-house and third-party investment managers.

Aaron Schenkman is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Ameriprise since 2005 and is also associated with Robbins, Greene, Horowitz, Lester & Co. Additionally, he is employed by Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage his practice. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a large client base with a wide range of advisory, brokerage, and insurance solutions typical of a major institutional provider.

Karen Godfrey is a Series 63 licensed financial advisor with 24 years of industry experience. She has held positions at Cetera and its affiliates since 2025 and previously worked with Avantax Advisory Services and MKC Associates for nearly two decades. In addition to her advisory roles, she is affiliated with S&P Financial Services, providing investment management, retirement planning, business succession, and estate planning services. Karen is affiliated with Cetera Investment Advisers LLC, an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Edmond Irwin Jr. is a financial advisor with Equitable Advisors in Port Jefferson Station, NY, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm uses a combination of firm-offered programs and third-party asset managers, focusing on aligning client risk tolerance with appropriate investment models.

Linda Kelban is a financial advisor at Edward Jones in Shoreham, NY, holding Series 63 and Series 66 licenses. She has worked in the financial services industry since 2016 with roles at firms including J.P. Morgan Securities LLC, Cetera Wealth Services, and Allstate Insurance. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operates under a fiduciary standard, and has a large nationwide network of financial advisors and branch offices.

Jon Schlueter is a financial advisor at Osaic Wealth with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Lion Street Financial and Madison Planning Group. Outside of advisory work, he owns Empire State Planning Group, Inc., which provides fixed insurance products. Osaic Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations. The firm uses model-based asset allocation and portfolio optimization to offer advisory and brokerage services through a complex multi-advisor platform.

Maryellen Passanisi is a financial advisor at Morgan Stanley with 24 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 2000. She holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.