Nicholas Marchelos is a financial advisor at Equity Services, Inc. with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with National Life Group, Mass Mutual Investors Services, and New York Life Insurance Company. Outside of advisory roles, he conducts seminars for professional associations through McIntosh Tax and Asset Management Group. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term investment strategies with options for shorter-term trading and specialized instruments.

Richard Justino is a financial advisor with Planmember Securities Corporation and holds Series 63 and Series 65 licenses. He has 25 years of industry experience, including roles at Mutual Inc. and its DBA JTeam, where he currently leads a team offering securities and insurance sales and service. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation approach and manages risk-based mutual fund portfolios, while offering education and support services such as seminars and personalized retirement planning.

Steven Dolgin is a financial advisor at Janney Montgomery Scott with 42 years of industry experience. He has been with Janney Montgomery Scott since 2004 and holds Series 63 and Series 65 licenses. 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 range of clients, including individuals, families, trusts, retirement plans, and municipal organizations, offering brokerage services, financial planning, consulting, and advisory programs.

Eric Bernstein is an advisor with Wealthspire Advisors in Melville, NY, holding five years of industry experience. He has been with Wealthspire Advisors since 2015. Bernstein also serves as a designee and director of alternative investments at GMAG Management LP, overseeing operational and investor relation functions for private funds. Wealthspire Advisors is an SEC-registered firm managing approximately $34.3 billion in assets with around 220 advisors and nearly 9,700 clients. The firm serves individuals, corporate and pension plans, nonprofits, and foundations, using an institutional-style asset allocation framework and offering a range of wealth management and financial planning services.

Janet Mccabe is a financial advisor at TIAA-CREF with 37 years of industry experience. She holds Series 63, 65, and 66 credentials and has worked at TIAA-CREF since 2013, with prior experience at Charles Schwab Bank and Charles Schwab & Co., Inc. Additionally, she serves as a New York notary. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios, operating under a fiduciary standard within a vertically integrated group.

Curtis Copenhaver is a CFP® and ChFC® affiliated with PlanMember Securities Corporation, with two years of industry experience. His background includes roles at Mutual Inc. and involvement with the Long Island Goalkeeper Academy. He also has experience related to Stony Brook University Women's Soccer. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, operating as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios while offering education and support services to plan sponsors and participants.

Kyle Reynolds is a financial advisor with PlanMember Securities Corporation and holds a Series 66 designation. He has been with the firm since 2025 and also has experience working with Mutual Inc. Outside of his advisory role, he has been affiliated with Stony Brook University since 2023. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment approach is based on a strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios across a range of risk profiles.

Daniel Kresh is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2020. He previously worked at Royal Alliance from 2013 to 2020 and has operated Creative Wealth Management LLC since 2012. Outside of finance, he is a USPTA Certified Tennis Professional and teaches tennis. Commonwealth Financial Network supports a national network of advisors by providing operations, technology, investment management, and compliance services. The firm offers a variety of advisory programs and emphasizes discretionary portfolio management and customized investment solutions.

Ralph Ruggiero is a financial advisor with PlanMember Securities Corporation, holding a Series 63 license and bringing 21 years of industry experience. He has been with PlanMember since 2010 and is also associated with Mutual Inc., where he has worked since 2004. Additionally, he has 40 years of experience in education at Rall Elementary School within the Lindenhurst School District. PlanMember provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios ranging from conservative to aggressive, alongside offering education and support services to plan sponsors and participants.

Carolina Llano Gonzalez is a CFP® professional at Wealthspire Advisors with two years of industry experience. She previously worked for seven years at Finemark National Bank & Trust before joining Wealthspire Advisors in 2022. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets and serving nearly 9,700 clients. The firm provides wealth management, portfolio management, financial planning, retirement-plan consulting, and other advisory services to individuals, corporate plans, nonprofits, and foundations, using an institutional-style asset allocation framework.

Ronald Housley is a ChFC® credentialed financial advisor with 31 years of industry experience. He has been affiliated with Equity Services, Inc. and National Life since 2006. In addition to his advisory role, he operates Housley Financial Services, offering insurance products including life, disability, health, long-term care, and property and casualty coverage. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines multiple advisory platforms and third-party asset managers to deliver predominantly long-term investment strategies with options for discretionary and non-discretionary management.

Lawrence Sprung is a CFP® professional with seven years of experience at CWM, LLC, where he has been since 2020. He previously worked at Mitlin Financial, Inc. for over a decade. Outside of his advisory role, Sprung serves on the board of the American Foundation for Suicide Prevention and is chair of the Keith Milano Memorial Fund, both focused on suicide prevention and mental health. He also contributes as a guest columnist for Investopedia and serves on the advisory board for Forbes Advisor Banking. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm manages discretionary portfolios using a combination of fundamental and technical analysis, third-party sub-advisors, and customization tools, with a notable emphasis on fiduciary processes and retirement plan services.

Andrew Marcus is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 66 designation and 28 years of industry experience. He has been with VOYA Financial Advisors since 2014. Outside of his advisory role, he serves as president of Andrew U. Marcus, LLC, which employs an administrative assistant supporting himself and colleagues at VOYA. VOYA Financial Advisors serves a diverse clientele including individual and institutional clients, offering services such as financial planning, portfolio management, and retirement plan consulting. The firm provides advice primarily through non-discretionary arrangements and operates both as an SEC-registered investment adviser and broker-dealer.

Mark Zigman is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at Commonwealth since 2017 and previously spent nine years with National Planning Corporation. In addition to his advisory role, he serves as a Retirement Benefits Specialist with Rampart Benefit Planning, Inc. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including wealth management and retirement plan consulting, and provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Ronald Stern is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Guardian Life since 1992 in various roles and currently also operates Ronald Stern & Associates, Ltd and Crossways Park Group LLC, which focus on non-Guardian insurance products and health and group benefits. Park Avenue Wealth Management, a subsidiary of Guardian Life, serves individual, corporate, and institutional clients with brokerage, financial planning, retirement consulting, and advisory services that include proprietary and third-party investment programs.

Soterios Theori is a financial advisor at Eagle Strategies (NY Life) with 30 years of industry experience. He holds the ChFC® and Series 63 designations and has worked with Eagle Strategies since 2010. Prior to and concurrently, he has been associated with Nylife Securities Inc and New York Life Insurance Co since 2004. Eagle Strategies serves a broad range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types designed to tailor recommendations to client objectives and plan sponsor criteria, managing a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Heather Ginty is a financial advisor with Janney Montgomery Scott in Melville, NY, holding Series 63 and Series 66 licenses and having 30 years of industry experience. She has been with Janney Montgomery Scott for 15 years since 2011. 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 including individuals, families, trusts, corporate and retirement plans, and charitable and municipal organizations, offering brokerage, financial planning, consulting, and advisory programs.

Andrew Stevens is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 63 and Series 65 licenses and 17 years of industry experience. His career includes significant tenure at Credit Suisse Securities (USA) LLC and roles at Academy Consulting and Cortex Advisors prior to joining Eagle Strategies in 2026. Eagle Strategies serves a diverse client base including individual investors and institutional plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm operates within an integrated New York Life affiliate structure and emphasizes tailored recommendations primarily through non-discretionary advisory relationships.

Liam Smith is a financial advisor at Wealthspire Advisors with a Series 65 credential. He has one year of industry experience and previously worked at Essentia Water and BAS Planning Corp. He also spent five years teaching at Farmingdale State College. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients. The firm provides wealth management, financial planning, retirement-plan consulting, and other services to individuals, institutions, nonprofits, and foundations, using an institutional-style asset allocation framework and a range of investment vehicles.

Edward Kelly is a financial advisor with Eagle Strategies (NY Life) and holds the Series 63 and Series 66 designations. He has 36 years of industry experience, including 16 years with Eagle Strategies and 25 years with New York Life Insurance. Outside of his advisory role, he is involved in brokering insurance products and property and casualty sales. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through multiple program types and manages the majority of its assets on a non-discretionary basis.