Caleb Milsow is a Series 66-credentialed financial advisor with Ameriprise, based in Amarillo, TX, and has one year of industry experience. His prior work includes roles at Boost Performance, The Occunet Company, West Texas A&M University, and the Amarillo Independent School District. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, utilizing a centralized consulting team to provide non-discretionary, research-driven recommendations that incorporate tax-smart withdrawal strategies and adaptive asset management.

Robert Sturges is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following a decade at MetLife Securities. He has a referral relationship with a payroll company to provide additional services to business clients. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap accounts, money-manager programs, and educational seminars.

Scott Braun is a financial advisor with Ameriprise in Hauppauge, NY, holding Series 63 and Series 66 licenses and 13 years of industry experience. His prior roles include positions at Axa Advisors and SCSA Enterprises. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and annual planning focused on retirement income and tax-aware withdrawal strategies. The firm’s retirement income approach involves centralized research and tools, with recommendations implemented on a non-discretionary basis.

Christopher Tong is a financial advisor with Ameriprise in Commack, NY, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Tong is involved in independent insurance brokering and owns a business that manages office operations for Tong & Tong & Associates. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities and utilizes algorithmic automation alongside human oversight for its retirement planning programs.

Joseph Sitaras is a financial advisor with LPL Financial in Bay Shore, NY, holding a Series 63 designation and 26 years of industry experience. He has been affiliated with both LPL Financial and Flagstar Bank N.A. since 2008. Outside of his advisory role, he is involved with SBLI USA in life and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and model portfolios from various sources.

Irma Amador is a financial advisor at LPL Financial with 16 years of industry experience. She holds a Series 63 designation and has worked with Webster Bank, LPL Financial, and Astoria Federal Savings. In addition to her advisory role, she is a commissioned Notary Public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management alongside model portfolios and research support.

Michael Ballin is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 18 years prior to joining OSAIC in 2024. Ballin is also the sole proprietor of MS Ballin Financial Strategies, an independent life and health insurance sales business established in 1983. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with portfolio construction supported by asset-allocation tools, risk-tolerance assessments, and automated rebalancing, utilizing a range of investment vehicles and third-party solutions.

Elizabeth Golden is a financial advisor with Morgan Stanley in Hauppauge, NY, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Cheryl Seward is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 20 years of industry experience. She has worked with Avantax Advisory Services and Avantax Investment Services, and currently serves as President of Freedom Tax & Wealth Management Inc., which focuses on income tax preparation for individuals and families. Outside of financial services, she is involved with Beach Fitness, consulting on fitness matters. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, and institutional accounts, offering multiple portfolio management and financial planning services through a large network of independent advisors. The firm utilizes a multi-manager platform with various program options and custodial relationships, managing over $256 billion in assets.

Mark Alber is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2016. Outside of his advisory role, he is a partner in Alber Enterprises 1 LLC, a real estate business based in St. James, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individual and institutional clients. The firm’s financial planning process utilizes structured discovery conversations and approved planning tools, serving clients through both direct engagements and corporate financial planning agreements.

Scott Porter is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 2008. Outside of his advisory role, he is the owner of a rental property business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Cara Every is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked within various divisions of Fidelity since 2013. Her current roles include positions at Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, utilizing systematic methodologies to create model portfolios from a broad range of mutual funds, ETFs, and ETPs.

Michael Romanelli is a Certified Financial Planner (CFP®) at Stifel with 30 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2009. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing asset allocation and planning analyses to support client decisions.

Graziano Rotellini is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing nine years of industry experience. His prior work includes roles at AXA Advisors, LLC and Commerce Spring Corporation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Catherine Buckley is a financial advisor at Raymond James Financial with 13 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for 14 years. She is also associated with Vail and Associates in a non-investment support role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Frank Gregorio is a financial advisor with Merrill and holds Series 63 and Series 66 credentials. He has 12 years of industry experience, including roles at Bank of America, J.P. Morgan Chase Bank, and J.P. Morgan Securities. Outside of his advisory work, he serves as a general partner and managing member of a private investment entity that pools funds to explore real estate investment opportunities. 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 both model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Daige is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2017. Prior to that, he was with Bank of America and Merrill from 2013 to 2017. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations, delivering services on a non-discretionary basis.

Benjamin DiMaio is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He brings over 20 years of experience in financial services with a focus on income planning and tax-efficient investing. Throughout his career, Benjamin has held various roles including Director at Piedmont Capital Distributors and Regional Marketing Director at Lincoln Financial Distributors. Prior to these, he was Vice President and Retirement Planning Specialist at Merrill Lynch from 2002 to 2010. His approach emphasizes understanding clients' goals, values, and family priorities to develop personalized financial plans. Outside of his professional work, Benjamin enjoys spending time at the beach, boating, fishing, golf, and lake activities.

Geoffrey Brown is a financial advisor at Osaic with nine years of industry experience. He holds a Series 66 designation and previously worked for American Portfolios Financial Services, Inc. for ten years. Outside of his advisory role, he is employed as a registered sales assistant with American Premier Financial Group. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, using various tools and strategies to build portfolios across asset classes for both discretionary and non-discretionary accounts.

Philip Caporusso is a financial advisor at OSAIC with Series 63 and Series 65 licenses and 38 years of industry experience. He has worked at OSAIC since 2024 and previously spent over two decades with American Portfolios Financial Services, Inc. Caporusso is also co-owner and co-president of Ferrera, Destefano, & Caporusso, CPA. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing proprietary tools and multiple advisory platforms to manage portfolios across various asset classes.