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.

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.

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.

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.

Dean Starr is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at LPL Financial, M&T Securities, and HSBC Bank USA in various roles. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and operations as a swap dealer and futures commission merchant.

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.

Chen Chao Fang is a financial advisor at Transamerica Financial Advisors with Series 65 credentials and one year of industry experience. His previous roles include positions at World Financial Group Insurance Agency, Springfield Bloom LLC, Cohnreznick LLC, National Healthcare Consulting, and IJR Consulting Corp. He is involved with Springfield Bloom LLC, an entrepreneurial venture outside traditional financial advising. Transamerica Financial Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, providing proprietary and third-party model portfolios with discretionary and non-discretionary management options.

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.

Davanan Ramsumair is a financial advisor with VOYA Financial Advisors, Inc. and holds a Series 66 designation. He has 11 years of industry experience, including prior work at Weichert Realtors. In addition to his advisory role, he is an independent agent selling fixed insurance products. VOYA Financial Advisors, Inc. 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 range of advisory programs featuring both discretionary and non-discretionary investment management, supported by an active broker-dealer platform and a broad affiliate network.

Bryan Erdheim is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 65 designation. Prior to his current role, he has been involved with The Medical Link LLC since 2009 and operated his own practice, Bryan Erdheim, from 1999 to 2017. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios, wealth management, and retirement plan consulting.

Christian Kilian is a financial advisor with TD Private Client Wealth LLC holding a Series 66 designation and one year of industry experience. His prior work includes roles at TD Bank N.A., Equitable Advisors, LLC, and Harold Levinson Associates. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, offering portfolio management, financial planning support, and custody services through a combination of affiliated and third-party managers.

Sandra Salmon is a financial advisor with Principal Financial Services, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Woodbury Financial Services, Inc. and OSAIC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers under multiple advisory and promoter arrangements.

Gustavo Treminio is a financial advisor with TD Private Client Wealth LLC, holding Series 65 and Series 63 licenses and possessing five years of industry experience. His work history includes multiple roles at TD Bank N.A. and TD Private Client Wealth LLC, as well as positions at Webster Investments and LPL Financial. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail customers. The firm offers portfolio management, financial planning support, and access to a range of investment products through strategic and tactical asset allocation with both affiliated and third-party sub-managers.

Helen Chambers is a financial advisor with VOYA Financial Advisors, Inc. She holds a Series 63 designation and has 42 years of industry experience. Prior to joining VOYA in 2014, she operated as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. provides investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base including individuals, charitable organizations, corporations, and plan sponsors. The firm offers a range of adviser-led programs, including model portfolios and unified managed accounts, and combines an advisory platform with an active broker-dealer distribution model.

Julissa Lopez is a financial advisor at Citigroup Global Markets with a Series 66 designation. She has been with Citibank since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with a combination of institutional scale and specialized market roles.

Nicholas Alfino is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Primerica Advisors and Park Avenue Securities. He has worked at Park Avenue Securities and Guardian Life Insurance Co of America since 2016. Outside of his advisory work, he serves as president of the GAIN IBO Networking Group, overseeing its integrity and growth. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies, and supports various account-level solutions such as lending and donor-advised funds.

Tony Shen is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Citigroup since 2007. Outside of his advisory role, he translates master’s degree materials into Chinese for students at Columbia International University. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services, and facilitates bespoke solutions for high-net-worth clients.