Martin Smulison is a CFP® professional with 42 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent significant time at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory role, Smulison operates a sole proprietorship providing personal and corporate tax preparation and business write-ups. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting, supported by an in-house investment management team that utilizes model portfolios and third-party managers.

Alaina Spilkevitz is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Citi since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with oversight committees to select and monitor managers, and maintains unique market roles including in-house research and functioning as a swap dealer and futures commission merchant.

Paul Lacava is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked with New York Life Insurance Company and affiliated firms since 1991 and operates under DBAs Wealth Conservation Group, Inc. and Benefits Plus Financial Services, Inc., both focused on selling New York Life products and brokering non-registered insurance products. Outside of financial services, he is involved as an owner of a company engaged in automobile engine research and development. Eagle Strategies serves a diverse client base including individuals, defined contribution and defined benefit plans, and charitable organizations. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Keith Salegna is a financial advisor with Private Advisor Group, LLC and has 32 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial and Private Advisor Group since 2011, as well as maintaining a longstanding affiliation with Ray Young since 1993. Salegna is also involved with RK Wealth Advisors, LLC in a non-investment capacity. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and provides access to proprietary and third-party managed account solutions.

Lily Tanzil Onne is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds a Series 66 designation and has been with Citigroup since 2015, having worked previously at Merrill since 2005. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and arrangements.

Richard Bellofatto is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Guardian Life since 2001, including a tenure at Park Avenue Securities from 2001 to 2017. In addition to his advisory role, he is a licensed real estate salesperson and serves as a business consultant for Intuitive Cloud. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary management combined with model-based strategies and access to proprietary and third-party platforms, supporting a range of financial planning and consulting services.

Yong Sheng Chen is a financial advisor at Transamerica Financial Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2012. Chen is also president of Elite Eagle Inc., a non-investment-related business, and is involved with Finger Lakes LLC as a hotel partner. Transamerica Financial Advisors serves a broad client base including individuals, pension plans, trusts, and corporations, offering advisory and broker-dealer services with a variety of proprietary and third-party investment models.

Robert Testa is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at National Planning Corporation for 17 years and has been with Commonwealth and Paris International Corporation since 2017. Outside of his advisory role, he serves as a basketball evaluator for the East Coast Basketball Conference. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $213 billion in client assets. The firm offers a wide range of advisor support services, including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

R Dunuwila is a financial advisor at Voya Financial Advisors, Inc. with 43 years of industry experience. He holds the Chartered Financial Consultant (ChFC®) designation along with Series 63 and Series 65 licenses. Prior to joining Voya in 2020, he worked at Lincoln Investment Planning, Inc. for 16 years. Outside of his advisory role, he volunteers as a translator for Shakti Village Empowerment, a nonprofit organization. Voya Financial Advisors, Inc. serves individuals—including high-net-worth clients—as well as pension plans, charitable organizations, and corporate clients through comprehensive financial planning, portfolio management, and advisory services. The firm utilizes investment policy statements, model allocations, and technology-enabled tools to deliver customized recommendations, operating both as an SEC-registered investment adviser and a FINRA-member broker-dealer.

Daniel Zhao is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked at Citigroup Global Markets since 2013 and previously spent seven years at HSBC Securities (USA) Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research, derivatives services, and bespoke solutions for very large client relationships.

John Schafer is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney since 2009. Outside of his advisory role, he is a co-owner of WJ Realty LLC in Massapequa, NY. 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, and institutional sponsors, offering a range of brokerage, financial planning, and advisory services supported by centralized asset management and custody capabilities.

Joseph Lucien is a financial advisor at Janney Montgomery Scott with 12 years of industry experience. He holds Series 65 and Series 63 designations and has been with Janney Montgomery Scott since 2013. 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, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, consulting, and advisory programs.

Thomas Gape is a financial advisor with Equity Services, Inc., holding a Series 66 license and one year of industry experience. His prior work history includes roles at National Life Group, Mass Mutual, and Schuberts II Inc. Outside of his advisory work, he is also engaged as an insurance agent. 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 offers multiple advisory platforms, frequently utilizes third-party asset managers and model portfolios, and manages both discretionary and non-discretionary accounts.

Andrea Loughlin is a financial advisor at Oppenheimer with 45 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Oppenheimer since 2015. Prior to that, she gained extensive experience at Morgan Stanley and its affiliates beginning in 2007. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, retirement plans, and charitable organizations. The firm offers a wide range of investment programs with both discretionary and non-discretionary management, maintaining custody of client assets while providing services that include asset allocation guidance and performance reporting.

Shareef Doumet is a financial advisor with Principal Financial Services, holding a Series 66 designation and 15 years of industry experience. He previously worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions for six years. In addition to his advisory role, he serves as a bank/trust officer supporting retirement plan account relationships and assists with business development and consulting for a boutique interior design firm. Principal Securities provides brokerage and advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement consulting, and access to third-party money manager programs, with investment implementation generally handled on a discretionary basis by the TPMMs.

James Zhou is a financial advisor with Eagle Strategies (NY Life) holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Eagle Strategies, he spent 22 years at Bloomberg LP. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs and emphasizes tailored recommendations, managing a significant portion of its assets on a non-discretionary basis.

Christine Eriksen is a financial advisor with TIAA-CREF in Melville, NY, holding Series 63 and Series 66 licenses and 16 years of industry experience. She 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, often serving clients connected through TIAA-administered employer retirement plans. The firm employs a fiduciary standard for its RIA services and provides both model portfolio and customized portfolio management options.

Richard Gallipoli is a ChFC® credentialed financial advisor at Guardian Life with 35 years of industry experience. He has worked at Guardian Life and its subsidiaries since 2007 and has been with Park Avenue Securities since 2018. Outside of advising, he teaches a six-hour defensive driving safety course. Park Avenue Securities LLC, a subsidiary of Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and digital advisory solutions.

Sergiy Mizevych is a financial advisor at Citigroup Global Markets with 15 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with in-house research and risk management capabilities, operating at a large institutional scale with specialized market roles.

Karina Elizabeth Morales Medina is a financial advisor with Citigroup Global Markets holding Series 65 and Series 63 licenses, and has eight years of industry experience. Her career includes multiple roles at Citigroup since 2016, as well as service in the U.S. Army as an HR Support Officer in a reserve capacity. Citigroup Global Markets serves individual and institutional clients across various wealth segments, implementing multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles.