John Carbonara is a CFP® professional affiliated with Commonwealth Financial Network, with 36 years of experience in the financial services industry. He has worked at Commonwealth Financial Network since 2024 and previously spent over two decades with Securities America, Inc. He is co-owner of Financial Associates, LLC, an entity established to manage office expenses. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of individual and institutional clients. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

James Maloney is a financial advisor at GWN Securities Inc. with 15 years of industry experience. He holds a Series 63 designation and has been with GWN Securities since 2011. In addition to his advisory role, he serves as a loan officer arranging residential mortgage financing and is involved in community activities such as serving as president of his homeowners association and as a trustee on a local board of education. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 client accounts and offers a range of investment programs, including traditional asset allocation and legacy market-timing strategies.

Kamerick Rampersad is a financial advisor with Guardian Life and holds a Series 63 designation. He has 24 years of industry experience and has worked with Park Avenue Securities and Guardian Life in various capacities since 2014. In addition to his advisory work, he is a licensed realtor providing clients with real estate information and offers health and Medicare insurance services to business clients and seniors. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning, consulting, and investment management solutions delivered through proprietary programs and third-party platforms.

William Barry is a financial advisor with Eagle Strategies (NY Life) based in Melville, NY. He holds Series 63 and Series 65 licenses and has three years of industry experience. His work history includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2022, as well as experience with Harlem Children's Zone and the University of Maryland, College Park. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse range of individual and institutional clients. The firm emphasizes tailored recommendations and delivers advice through multiple program types, primarily managing assets on a non-discretionary basis.

Donna Cobb is a financial advisor at TIAA-CREF with 28 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining TIAA-CREF and Tiaa in 2023, she worked at Morgan Stanley for ten years. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates point-in-time planning from ongoing discretionary management and serves as adviser to the TIAA Donor Advised Fund.

Kevin Givens is a financial advisor at Equity Services, Inc. with 17 years of industry experience. He holds the Series 63 designation and has worked at Equity Services Inc since 2018. Prior to that, he was with National Life Group, Penn Mutual Life Insurance Co, and Hornor Townsend & Kent Inc. Outside of his advisory role, he is an agent for MAVERYCK Insurance Agency and Eastern Advisory Group, selling life, health, disability, and long-term care insurance products. 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 utilizing third-party asset managers and combines long-term strategies with options for shorter-term trading and specialized instruments.

Bernadette Baumgarten is a financial advisor with Eagle Strategies (NY Life), holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her career includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2013, as well as involvement with Premier Asset Solutions Inc. She previously operated Main Street Cafe from 2011 to 2017. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, delivering solutions through multiple program types tailored to client objectives, with a significant focus on non-discretionary asset management.

Keith Fuchs is a financial advisor with GWN Securities Inc. in Hauppauge, NY, holding a Series 66 designation and over 23 years of industry experience. He has been with GWN Securities since 2004. Outside of advising, he sells life insurance and Aflac assurance programs, and also works as a photographer providing images of vehicles and boats for insurance claims. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of advisors and offers a range of investment programs, including legacy market-timing and momentum-based strategies.

Frank Grasso is a financial advisor with Equity Services, Inc. holding the CFP® designation and Series 63, 65, and 66 licenses. He has over 43 years of industry experience and previously worked at firms including Cetera Advisor Networks LLC and North Ridge Securities Corp. Outside of finance, he is involved in music as a professional piano player and holds leadership roles in music publishing and entertainment management organizations. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to a diverse client base including individuals, corporations, trusts, and retirement plans. The firm offers multiple advisory platforms using third-party asset managers and combines long-term strategies with options for shorter-term trading.

Stephen Murphy III is a financial advisor at Guardian Life with 17 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at New York Life and M Holdings Securities, among other firms. He also operates as an independent contractor offering disability insurance through Assurity. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm combines discretionary management with model-based strategies and offers a range of financial planning, consulting, and specialized investment solutions.

Sheryl Rothman is a CFP® and CFA® with eight years of industry experience. She is currently with The Colony Group, LLC and previously worked at Blue Water Advisor. Rothman is affiliated with Focus Partners Wealth, LLC, a firm that serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and retirement plan consulting services. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies and offers access to private funds and specialized investment solutions.

Jorrell Bland is a CFP® professional with six years of industry experience, currently serving as a financial advisor at CWM, LLC. He has held roles at Mitlin Financial and New York Life, among others. Bland is a board member of FPA Next Generation Planner, where he contributes to shaping the content of the publication. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors managing approximately $50.6 billion. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to construct model portfolios and provide tailored investment solutions.

Allison Henek is a financial advisor at Guardian Life with 20 years of industry experience and holds a Series 66 designation. She has worked primarily with Park Avenue Securities and Guardian Life since 2008. In addition to her advisory role, she is employed as a corporate analyst performing administrative data entry for a hospital. Park Avenue Securities, a wholly owned subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate retirement plans, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary wrap programs, third-party advisory solutions, and integrated lending options.

David Michaels is a CFP® professional affiliated with Guardian Life and Park Avenue Securities, with 27 years of experience in the financial industry. He has spent his career primarily with Park Avenue Securities, a subsidiary of Guardian Life, working there continuously since 1999. Park Avenue Securities provides brokerage and investment advisory services to individuals, including high-net-worth clients, as well as corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to insurance products and alternative investments through its affiliation with Guardian Life.

Brooke Blumberg is a financial advisor at Citigroup Global Markets with a Series 66 license and three years of industry experience. Prior to joining Citigroup, Brooke worked at Vanderbilt University for four years and spent nine years in education at Half Hollow Hills High School East and West Hollow Middle School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains sizable institutional capabilities, including in-house research and derivatives services.

Daniel Capurso is a financial advisor with Eagle Strategies (NY Life) in Melville, NY, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Eagle Strategies since 2020 and operates Premier Asset Solutions Inc., which sells New York Life products and brokers non-registered insurance products. Capurso also serves as a notary public, providing free notary services to the public. Eagle Strategies serves a broad mix of individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, working extensively with defined contribution and benefit plans as well as charitable and corporate clients.

Ian Heller is a CFP® with two years of industry experience, currently serving as a financial advisor at Savant Wealth Management. His prior roles include positions at Heller Wealth Management, Klingman & Associates, Cresset, Altair Advisers, and The Ayco Company, L.P./Mercer Allied. Savant Wealth Management provides comprehensive wealth management and financial planning services to individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients. The firm employs an investment approach that combines evidence-based, model-driven asset allocation with actively managed strategies and offers integrated services through affiliated accounting, legal, and trust entities.

Matthew Mccabe is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds a Series 66 designation. Prior to joining Equity Services, he has worked at firms including Eastern Advisory Group, Big Think Capital, and LPL Enterprise. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm uses multiple advisory platforms, often incorporating third-party asset managers and model portfolios, and offers both discretionary and non-discretionary management options.

Michael O’Sullivan is a financial advisor with Guardian Life and Park Avenue Securities who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been with Guardian Life since 2008 and Park Avenue Securities since 2012. Outside of securities, he is a licensed notary public in Suffolk County, New York. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of investment management solutions, including advisor-led discretionary management, model-based strategies, and a digital advisory platform, with tailored client services that include financial planning and ongoing consulting.

Rocco Muratore is a financial advisor with PlanMember Securities Corporation who holds a Series 63 designation and has 36 years of industry experience. He has been with PlanMember since 2010 and is also involved as Vice President at Mutual Inc., focusing on fixed insurance products and tax preparation, as well as a general partner at The Carnikki Group where he is involved in tax planning. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment process emphasizes strategic asset allocation and risk-based mutual fund portfolios, complemented by education and support services such as seminars and personalized retirement planning.