Kathleen Ryan is a CFP®-certified financial advisor with 29 years of industry experience. She is currently affiliated with OSAIC and Lindenberg Financial and has previously worked at Woodbury Financial Services, Questar Capital Corporation, and KMR Financial Network. Ryan serves as treasurer of a condominium association, overseeing financial reviews and board activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers. The firm offers integrated brokerage and advisory services, utilizing advanced portfolio construction tools and third-party platforms to provide tailored investment solutions.

Paul Mc Kirgan is a Senior Financial Advisor at Merrill Lynch Wealth Management with over twenty-eight years of experience in the securities industry, including twenty-six years with Merrill Lynch. He focuses on educating clients and tailoring portfolios to meet individual financial goals. Paul works collaboratively with his team, the BME Group, to provide personalized investment strategies and maintain open communication with clients. His areas of expertise include education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Paul holds the Personal Investment Advisor (PIA) designation. Paul attended Sacred Heart High School and earned an Associate's Degree from Westchester Community College. He resides in Carmel, New York, with his wife and two daughters. Outside of work, he enjoys baseball, fishing, music, tennis, and spending time with his family. He is also active in supporting various community charities and events.

Kristen Jones is a financial advisor at OSAIC with four years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. before joining OSAIC Wealth Inc. in 2025. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios with a variety of investments on both discretionary and non-discretionary bases.

Michael Johnson is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lindenberg Financial Services, Woodbury Financial Services, and Questar Asset Management. Outside of advisory roles, he is president and owner of Peninsula Financial Group, a tax preparation and planning business. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services with a range of investment options and third-party manager access. The firm employs asset-allocation tools and supports both discretionary and non-discretionary account management.

Christopher Kearon is a financial advisor with Morgan Stanley in Avalon, NJ, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and associated with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Mark Gillespie is a financial advisor with Wells Fargo Clearing, holding the CFP® designation and Series 63 and 65 licenses, with 30 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

David Draper is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Waddell & Reed, Inc. for nine years and served in a leadership role at the Lewes Crossing Property Owners Association. In addition to his advisory work, Draper is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Megan Hocker is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and has been with Bank of America, N.A. since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.