Scott Garera is a financial advisor at Cetera with 30 years of industry experience. He holds a Series 63 designation and has worked at various firms including Avantax Advisory Services and Avantax Insurance Agency. Outside of his advisory role, he is involved in multiple business ventures, including Garera Financial Consulting, which provides accounting and bookkeeping services, and MNR Designs Inc, a residential repair and remodeling company. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and a network of more than 10,000 advisors.

Patrick O'Leary is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs supported by structured planning tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Kevin Vivas Caamano is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Citibank/Citigroup. He is also involved with K&S Elite Enterprise LLC, reflecting entrepreneurial engagement outside his advisory duties. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Edward Levine is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining OSAIC in 2024, he worked for American Portfolios for 16 years and has been a partner at Pinnacle Tax Advisors, LLC since 2002. Outside of his advisory work, Levine is involved in music production through Preemo Productions LLC and serves on the boards of organizations supporting individuals with intellectual or developmental disabilities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs asset-allocation tools and risk assessments to construct portfolios across various asset classes and provides both discretionary and non-discretionary account management.

Nicholas Biscardi is a CFP® with eight years of industry experience, currently serving clients at Ameriprise Financial Services, LLC since 2020. He previously worked at Ameriprise Financial Services Inc. and held positions at Binghamton University. Biscardi owns BWM Enterprise Group, Inc. and is employed by Wood Park Corporation, where he manages his advisory practice. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning focused on income reliability and tax-aware withdrawal strategies through a centralized service team.

Carl Kravitz is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 32 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 26 years at Metlife Securities Inc. Additionally, he serves as an independent insurance agent focusing on property and casualty coverage. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of asset management and educational programs.

Rodobaldo Acosta is Vice President and Branch Leader at Fidelity Investments. In this role, he leads, coaches, and develops financial advisors to support clients in making well-informed financial decisions for themselves and their families. He has held various positions at Fidelity Investments since 2006, progressing from Financial Representative to his current leadership role. His professional experience includes leadership positions such as Team Leader for Workplace Planning & Advice and Investment Solutions, Assistant Branch Manager, Branch Service Manager, and Senior Relationship Manager. Prior to joining Fidelity, he worked at National Financial Services LLC as an Associate and Intern. Outside of his professional responsibilities, Rodobaldo has personal interests that include beach activities, family activities, fitness, parenthood, running, and traveling.

Robert Blair is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 23 years of industry experience. His career includes roles at Cetera Advisor Networks, WC Hoover and Company, Cogent Wealth Management, and North Ridge Securities Corp. Outside of advisory work, he is president of SMFD LLC, a sports memorabilia business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research from LPL and third-party sources.

Tetyana Kucherska is a Series 63 licensed advisor with Primerica Advisors, based in Coram, NY, and has 18 years of industry experience. She has been with Primerica Advisors since 2008 and Primerica Financial Services since 2007. Outside of her advisory role, she is involved in tax preparation on a part-time basis and participates in referral activities related to home security and automation products. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and emphasizes a tiered wrap-fee structure for its services.

August Lentricchia is a financial advisor with Cetera who holds a Series 63 designation and has 45 years of industry experience. His background includes roles with various insurance and tax preparation entities, including Senior Services of North America and Freedom Wealth Management, where he has been involved in selling insurance products and preparing individual tax returns. He also has experience selling Medicare insurance and fixed annuities. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform combining discretionary and non-discretionary services, model portfolios, third-party money managers, and various program structures.

Shawn Boyle is a financial advisor at OSAIC with 32 years of industry experience. He holds a Series 63 designation and has worked at firms including LPL Financial and INVEST Financial Corp. In addition to his advisory role, Boyle serves as president of Tax Line Corp., where he is involved in tax preparation, and he also offers life, disability, long-term care insurance, and fixed annuities as an insurance agent. OSAIC serves a broad range of clients, including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party asset managers. The firm employs asset-allocation tools and automated rebalancing across multiple investment platforms and supports a variety of legacy and third-party programs.

James Mc Loughlin is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Raymond James since 2019 and spent 11 years at Ameriprise Financial Services prior to that. Outside of his advisory role, he works as an independent contractor financial advisor for Girard Wealth Management. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through risk profiling and firm research, with a notable focus on non-discretionary advisory services.

Lydia Diclemente is a financial advisor at Merrill with 22 years of industry experience. She has held her current role at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011. In addition to her advisory work, she serves on a committee for fundraising events at St. Anthony's High School and acts as a trustee for a family fiduciary role. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates these advisory services with Bank of America's broader platform, including access to swaps, derivatives, lending, and custody services.

Thomas Tilton is a CFP® professional with 36 years of industry experience, currently affiliated with LPL Financial since 2023. He previously worked for Woodbury Financial Services for 14 years. Outside of his advisory role, he is involved with insurance-related activities through entities such as Simplicity Group and Crump Insurance Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and proprietary research.

Scott Frayler is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and bringing 24 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Planmember Securities Corporation and Mutual, Inc. He is also involved in coaching youth basketball for Nassau Pride Hoops of LI Inc. and St. Anthony's School. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brandon Abbe is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Wells Fargo Advisors since 2014. Outside of his advisory role, he co-owns Melville Wealth Management LLC with his spouse and owns D&B Insurance Brokerage Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Danielle De Marco is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Ann McGreevy Doria is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and 31 years of industry experience. She previously worked at Metlife Securities Inc. for 21 years before joining MassMutual in 2016. In addition to her advisory role, she operates as an independent insurance agent specializing in life, accident, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using detailed client information and firm-approved tools to deliver written recommendations.

Lania Cross is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. She has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting supported by research from LPL and third-party subadvisors.

Dennis Beasley is a CFP® and holds a Series 65 license with 18 years of experience at DLB Wealth Advisors LLC and over 21 years at Beasley Tax & Financial Advisors LLC. He operates as the sole advisor at DLB Wealth Advisors, an independent firm based in East Northport, NY. DLB Wealth Advisors provides portfolio management and financial planning services primarily to individual clients and manages approximately $18.1 million in assets across 27 client relationships. The firm employs routine account reviews and may use derivatives within separately managed accounts, distinguishing its operational approach from many peers.