Sean Mc Hugh is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Bank of America, Equitable Advisors, Chimera Securities, and involvement with a meal prep business and landscaping firm. Outside of advising, he has worked in retail support activities related to seasonal tasks. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of individual and institutional clients.

Richard Nicolich is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including American Portfolios Financial Services, Inc., LPL Financial, Invest Financial Corporation, and Uvest Financial Services Group, Inc. OSAIC serves a diverse client base comprising individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with asset allocation and portfolio optimization tools, and supports a range of managed portfolio programs and third-party manager options.

Gerard Nicosia is a financial advisor at Cetera with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Royal Alliance and Cetera Wealth Services. In addition to his advisory role, he serves as president of Executive Financial & Tax Planning Services, where he prepares personal and business tax returns. He is also an insurance agent specializing in life, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to third-party managers through a multi-manager platform featuring discretionary and non-discretionary program options.

Linda Springer is a financial advisor with Primerica Advisors in Hauppauge, NY, holding a Series 63 designation and over 22 years of industry experience. She has worked with PFS Investments Inc, Primerica Financial Services, and Theodore Roussis & Associates since 1999. In addition to her advisory role, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management services primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, emphasizing a tiered percentage-based fee approach.

Todd Fanning is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior work includes ten years at Citigroup Global Markets and positions at TD Ameritrade and Home Depot. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to provide forward-looking investment analysis and asset allocation guidance.

Sean Flynn is a financial advisor at OSAIC with five years of industry experience and holds the Series 66 designation. Prior to joining OSAIC in 2024, he worked at LPL Financial and has operated Strategic Financial and Tax Planning Services, providing tax preparation and accounting services. He has experience preparing individual and corporate tax returns in addition to his advisory role. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm focuses on model-based asset allocation and portfolio optimization, supporting a range of investment strategies and custodial arrangements.

Michael Poncet is a Series 66-licensed advisor at Ameriprise with two years of industry experience. Before joining Ameriprise, he worked at Equitable Advisors, LLC and has held various roles including outside operations at Meadow Brook Club, where he serves as a caddie providing shot-to-shot strategy and practice facility maintenance. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that offers customized retirement-income planning and tax-aware withdrawal strategies.

Jessica Istchenko is a financial advisor at LPL Financial with 21 years of industry experience. She holds a Series 63 designation and previously worked at Equity Services, Inc. and National Life Group. In addition to her advisory role, she acts as an insurance agent through her business, Cellen Financial, offering life, disability, and health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Joseph Palese is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 2014. Outside of his advisory role, he is a signer for Forever Young Childcare, LLC, a home daycare business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Robert Whitehead is a financial advisor with Ameriprise in Hauppauge, NY, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. He is also involved as a contractor with Certainity of Uncertainty, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice, utilizing proprietary research and third-party tools within a defined investment framework.

Louise Fallica is a financial advisor at OSAIC with 41 years of industry experience. She holds Series 63 and Series 66 designations and has worked at American Portfolios Financial Services, Inc. for 10 years before joining OSAIC in 2024. Louise is also the Vice President of Design Capital Planning Group, Inc., a financial services firm where she has been involved since 1979. Additionally, she serves as a board member of the International Association of Registered Financial Consultants. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization with multiple program options, supported by an extensive network of affiliated broker-dealer and RIA relationships.

Adam Cafarella is currently serving as Vice President, Financial Consultant. He assists individuals and businesses in achieving their financial goals by developing personalized strategies tailored to each client's unique needs. Adam emphasizes transparency, education, and ongoing support to empower clients in making informed financial decisions. Adam's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2021 to 2024, and as an Investment Consultant at the same firm from 2014 to 2021. Prior to that, he was a Financial Advisor at Stifel Nicolaus & Company Inc in 2014 and at Wells Fargo Advisors from 2012 to 2014. His earlier positions include Client Associate roles at Wells Fargo and Merrill Lynch and a Financial Representative at Northwestern Mutual. Outside of his professional work, Adam enjoys activities such as beach outings, boating, cars, family activities, golf, and reading.

Brandon Kustek is the Vice President, Financial Consultant at Fidelity Investments. In this role, he works closely with local individuals and families to develop and maintain financial plans focused on building, preserving, and distributing their wealth to provide peace of mind. Prior to this, he held positions as a Financial Consultant, Planning Consultant, Relationship Manager, and Financial Representative within Fidelity Investments, as well as a Financial Professional at AXA Advisors. Brandon's experience spans various financial advisory and planning roles, providing him with a broad understanding of wealth management strategies. His career progression within Fidelity Investments demonstrates a continued commitment to supporting clients' financial goals. Outside of his professional responsibilities, Brandon enjoys spending time at the beach, boating, and golfing.

Brenda Connolly is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2023, with previous experience at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Paul De Santis is a Series 66 credentialed financial advisor with 22 years of industry experience. He is currently with J.P. Morgan Securities and J.P. Morgan Chase Bank, a role he has held since 2019. His prior experience includes positions at Bank of America, Merrill, and UBS Financial Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory approach integrates quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Heather Steiniger is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank NA since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations and incorporates an ESG eligibility framework.

Joseph Schwan is a financial advisor at Cetera with 23 years of industry experience. He holds a Series 63 designation and has worked at firms including LPL Financial and Avantax Advisory Services. Outside of his advisory role, he is a silent partner in a payroll processing company and operates a tax and financial services practice under Joseph M. Schwan CPA, P.C. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services utilizing both affiliated and third-party managers across multiple program structures.

Ryan Danley is a Series 66-credentialed financial advisor with three years of industry experience, currently working at J.P. Morgan Securities. His prior experience includes roles at Bank of America, Equitable Advisors, and JPMorgan Chase Bank. Before entering financial services, he worked at DoorDash and in the food industry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines centralized due diligence and both quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Janet Keefe is a financial advisor at Morgan Stanley with 41 years of industry experience. She has held positions at Merrill from 1979 to 2016 before joining Morgan Stanley in 2016. She holds a Series 63 designation. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Robert Madden II is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Merrill Lynch/Bank of America and Hartford Life Distributors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 advisors.