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.

Sarah Simon is a financial advisor at Cresset Asset Management, LLC with 12 years of industry experience. She holds a Series 65 designation and has worked at Cresset since 2020, following prior roles at Coastal Bridge Advisors from 2015 to 2020. Cresset Asset Management, LLC is an SEC-registered investment adviser managing approximately $71.9 billion in client assets for a diverse client base that includes individuals, high-net-worth families, trusts, estates, retirement plans, charitable organizations, corporations, and pooled investment vehicles. The firm employs a diversified, asset-allocation-driven investment approach combining active and passive strategies, with a structured due-diligence program and private-fund management activities across multiple asset classes.

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.

Gregory Maloney is a financial advisor at GWN Securities Inc. with 42 years of industry experience. He holds a Series 63 designation and has been with GWN Securities since 2004. He also serves as Senior Vice President at CGAA Inc., a firm involved in insurance sales and investment advisory services. GWN Securities is an SEC-registered investment adviser and broker-dealer that offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios for individual and business clients. The firm manages approximately $3.65 billion across more than 37,000 accounts through a large network of advisors.

Anthony Izzo is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 63 designation and over 42 years of industry experience. He has been with VOYA Financial Advisors since 2014 and also operates Anthony Izzo & Associates, a separate business entity. Outside of advisory work, he serves as president of Benefit Planning Corp, which sells life insurance, disability, and long-term care products. VOYA Financial Advisors provides investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base including individuals, charitable organizations, and corporations. The firm offers a mix of model portfolios and manager-driven strategies, supporting both discretionary and predominantly non-discretionary investment programs.

Ulric Bruce Jr. is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Hauppauge, NY, holding a Series 63 designation and over 31 years of industry experience. He has been with Equity Services and National Life since 2013. Outside of his advisory role, he is involved in marketing and selling disability and fixed insurance products through related business activities. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering multiple advisory platforms that incorporate long-term strategies and third-party asset managers.

James Tumminelli is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 20 years of industry experience. Prior to joining Kestra Advisory in 2023, he spent nine years at LPL Financial. Outside of his advisory role, he is an insurance agent offering life insurance and fixed annuities. Kestra Advisory provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including large plan sponsors and sovereign wealth funds. The firm offers services such as fiduciary consulting, plan design, and advisor-managed accounts, supported by due diligence and access to multiple management platforms.

Pambayan Meyyan is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Primerica Advisors since 2015 and is currently affiliated with Park Avenue Securities and Guardian Life Insurance Company. Park Avenue Securities LLC serves a diverse retail client base, offering both brokerage and advisory services along with financial planning and retirement-plan consulting. The firm manages investments through proprietary and third-party strategies and supports a range of account features including discretionary management, alternative investments, and securities-based lending.

Clifford Giles is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 39 years of industry experience. He previously worked at LPL Financial for nine years before joining Kestra in 2023. Giles is also involved as an insurance agent with Advisors Insurance Brokers. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including very large investors such as sovereign wealth funds. The firm offers services like fiduciary consulting, plan design, and investment due diligence, supporting both discretionary and non-discretionary management approaches.

Meng Dan Xiao is a financial advisor with HSBC Securities (USA) Inc., holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. Prior to joining HSBC, Xiao worked at J.P. Morgan Chase Bank and New York Life. HSBC Securities (USA) Inc. provides managed account programs serving individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary options. The firm employs a multi-profile investment approach supported by HSBC Global Asset Management and offers unique program structures including an Offshore Spectrum program for qualified non-resident clients.

Michael Deamicis is a financial advisor with Voya Financial Advisors, Inc., holding the ChFC® and Series 66 designations and bringing 17 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metropolitan Life Insurance Company. Outside of his advisory work, 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. offers investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base, including individuals, charitable organizations, corporations, and plan sponsors. The firm utilizes a mix of model portfolios and manager-driven sleeves, delivering both discretionary and primarily non-discretionary investment guidance through an integrated advisory and broker-dealer platform.

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.

Daniel Moruzzi is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at National Life, Equity Services, Metlife Securities, and American Portfolios Financial Services. Outside of his advisory work, he is involved in the sale and servicing of fixed insurance products through his roles with Coastline Wealth Management and Prosperity Planning Solutions LLC, and serves as a trustee for family estate planning matters. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Brian Byrne is a financial advisor at Equity Services, Inc. with 22 years of industry experience. He has been with Equity Services and National Life since 2016. Outside of his advisory role, Byrne is involved in selling fixed insurance products through Eastern Advisory Group. Equity Services, Inc., also known 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 long-term investment strategies with the use of multiple advisory platforms and third-party asset managers, offering both discretionary and non-discretionary management options.

Ronit Rogoszinski is a CFP® professional affiliated with OSAIC Advisory Services, LLC, with 34 years of industry experience. Her prior roles include tenures at American Portfolios Advisors, Inc., SlateStone Wealth, LLC, and LPL Financial. She is also a contributing author to the book *Money Talks*, which features advice on difficult financial conversations, and operates 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, and retirement plan consulting, utilizing multiple advisory program models with custody primarily through Schwab and Fidelity.

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.