Kathleen Lumetta is a financial advisor at TD Private Client Wealth LLC with seven years of industry experience. She holds Series 63 and Series 65 licenses. Her prior roles include positions at PFS Investments Inc., Primerica Financial Services, Natwest Group, and HSBC. She was previously associated with Schooley Mitchell of Roslyn, a cost consulting business. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm utilizes a combination of affiliated and third-party sub-managers to construct portfolios and offers comprehensive financial planning and custody services.

Gregory McGraime is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, frequently serving clients connected through TIAA-administered employer retirement plans. The firm also advises the TIAA Donor Advised Fund and operates within a vertically integrated structure using affiliated funds.

Patrick Doherty is a financial advisor with Oppenheimer in Melville, NY, holding Series 66 and Series 63 licenses and six years of industry experience. Prior to joining Oppenheimer in 2021, he worked at Peoples United Bank, Sterling National Bank, and Astoria Bank. He is a member of a local investment group in Hauppauge, NY, where he serves as an advisor and receives referrals through weekly meetings. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory and portfolio management programs. The firm’s investment approach varies by program and advisor, including strategic asset allocation, manager selection, and both discretionary and non-discretionary management, with approximately $36.7 billion in assets under management as of December 31, 2025.

Carolyn Frzop is a financial advisor at Janney Montgomery Scott with 37 years of industry experience. She has been with Janney since 1987 and holds a Series 63 designation. Outside of her advisory role, she manages a rental property in Fairfield, Connecticut. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers brokerage, financial planning, consulting, and advisory programs, combining in-house and third-party portfolio management services.

Joseph Bendrihem is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 63 designation and bringing 16 years of industry experience. His background includes roles at New York Life, Guardian Life Insurance, and The Heritage Planning Group, where he also serves as managing partner. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a variety of discretionary and non-discretionary programs incorporating in-house and third-party investment solutions, with a platform approach that integrates multiple advisory and technology resources.

James Amodeo is a financial advisor with Guardian Life and holds Series 63 and Series 65 credentials. He has seven years of industry experience, including eight years at Oppenheimer & Co. Inc. prior to his current role. He is associated with Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, which offers brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm integrates proprietary and third-party model portfolios and provides both discretionary and non-discretionary advisory services.

Anthony Izzo is a financial advisor with VOYA Financial Advisors, Inc. in Melville, NY, holding a Series 63 designation and bringing 43 years of industry experience. He has been with VOYA Financial Advisors since 2014 and has operated Anthony Izzo & Associates since 2012. Outside of his advisory roles, Izzo is president of Benefit Planning Corp, a fixed insurance sales firm. VOYA Financial Advisors, Inc. serves a broad range of individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting through multiple program structures, often providing non-discretionary recommendations.

Pambayan Meyyan is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Guardian Life since 2015 and also works at Park Avenue Securities, a wholly owned subsidiary of Guardian Life. Park Avenue Securities LLC operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and both proprietary and third-party advisory programs.

Meng Dan Xiao is a financial advisor at HSBC Securities (USA) Inc. with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at HSBC Securities, HSBC Bank USA, New York Life, and J.P. Morgan. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary programs. The firm combines strategic and tactical asset allocation with global manager selection and ongoing fund monitoring, serving a broad client base with both non-discretionary and discretionary portfolio management.

Michael Deamicis is a financial advisor with VOYA Financial Advisors, Inc. He holds the ChFC® designation and the Series 66 license, with 18 years of industry experience. Prior to joining VOYA in 2020, he worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, Metropolitan Life Insurance Company, and Metlife Securities. Outside of his advisory role, he serves as Chapter Sponsorship Chair for the National Aging in Place Council and volunteers as a driver and spokesperson for the American Cancer Society. VOYA Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth clients, offering services such as financial planning, portfolio management, and plan-sponsor consulting through multiple program structures.

Theodore Papadopoulos is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for nine years before joining Janney in 2021. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, and advisory services through multiple wrap programs and managed account solutions.

Thomas Lee is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at J.P. Morgan Securities, NYLIFE Securities, and New York Life Insurance Company. He is also involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver advisory services through multiple platforms such as Transamerica ONE and the TFA365 Advisory Program.

Ronit Rogoszinski is a CFP® professional with 34 years of industry experience, currently with Osaic Advisory Services, LLC since 2024. Her prior experience includes roles at American Portfolios Advisors, Inc., SlateStone Wealth, LLC, and LPL Financial. She is one of ten guest authors featured in the book *Money Talks*, which provides insights on difficult financial conversations, and she operates a business focused on Women and Wealth Solutions. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, delivering advisory through multiple program models with portfolios managed using proprietary and third-party platforms.

Nicholas Limongelli is a financial advisor with Primerica Advisors based in Roslyn, NY, holding a Series 66 designation and seven years of industry experience. He has worked at Park Avenue Securities, LLC since 2017 and with Guardian Life Insurance Co of America since 2012. Limongelli serves on the board of the National Association of Insurance and Financial Advisors (NAIFA) New York Young Advisors Team. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services along with financial planning, retirement-plan consulting, and business consulting. The firm employs a mix of proprietary and third-party investment strategies across various account types, supporting discretionary and non-discretionary management with additional services such as securities-based lending and donor-advised fund options.

Davanan Ramsumair is a financial advisor at VOYA Financial Advisors, Inc. with 11 years of industry experience. He has held his current role since 2015 and previously worked at Weichert Realtors. Ramsumair also operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. serves individual and institutional clients, including retirement plan sponsors and high-net-worth individuals. The firm offers a range of services such as financial planning and portfolio management, delivering advice primarily through recommendation-based, non-discretionary arrangements.

Bryan Erdheim is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 65 designation. Prior to his current role, he has been involved with The Medical Link LLC since 2009 and operated his own practice, Bryan Erdheim, from 1999 to 2017. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios, wealth management, and retirement plan consulting.

Sandra Salmon is a financial advisor with Principal Financial Services, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Woodbury Financial Services, Inc. and OSAIC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers under multiple advisory and promoter arrangements.

Brian Batter is a financial advisor with Transamerica Financial Advisors in Great Neck, NY, holding Series 63 and Series 65 credentials with 19 years of industry experience. His work history includes roles at Transamerica Financial Advisors since 2012, Valle Incorporated since 2014 where he serves as Vice President of Sales, and FPF North America Corp as President since 2019. He is also a freelance bio writer producing interviews and author reviews related to athletes and personal trainers. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services featuring proprietary and third-party model portfolios, discretionary and non-discretionary program options, and maintains affiliated retirement and recordkeeping entities.

Helen Chambers is a financial advisor at VOYA Financial Advisors, Inc. with 43 years of industry experience. She holds a Series 63 designation and has been with VOYA since 2014. In addition to her advisory role, she is an independent insurance agent specializing in fixed insurance. VOYA Financial Advisors serves a diverse client base, including individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and third‑party money manager access through various program structures, primarily providing non‑discretionary, recommendation-based advice.

Nicholas Alfino is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Primerica Advisors and Park Avenue Securities. He has worked at Park Avenue Securities and Guardian Life Insurance Co of America since 2016. Outside of his advisory work, he serves as president of the GAIN IBO Networking Group, overseeing its integrity and growth. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies, and supports various account-level solutions such as lending and donor-advised funds.