Luke Morgan is a financial advisor with PlanMember Securities Corporation and holds a Series 63 designation. He has 27 years of industry experience, including roles at Strategic Financial Tax Planning and Mutual Inc., where he also serves as an insurance agent and tax preparer during tax season. PlanMember Securities Corporation provides retirement-plan advisory services primarily to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment approach centers on a top-down strategic asset allocation framework and the management of risk-based mutual fund portfolios ranging from conservative to aggressive.

Brandon Mangan is a financial advisor at Citigroup Global Markets with a Series 66 credential and three years of industry experience. Prior to joining Citigroup in 2025, he worked at Bank of America N.A. and Merrill from 2021 to 2024. He also has experience in education and collegiate athletics, having worked at Island Trees High School and Major League Lacrosse. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique institutional capabilities, including in-house research, security pricing, and roles as a security-based swap dealer and futures commission merchant.

Brian Reynolds is a financial advisor with Lincoln Investment, holding a Series 63 designation and 14 years of industry experience. He previously worked at Equity Services, Inc. and National Life from 2016 to 2024 before joining Lincoln Investment and Capital Analysts. Outside of advisory work, Reynolds volunteers in marketing for the Peconic Hockey Foundation and operates a small collectibles sales business. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and a range of model portfolios, employing both strategic and dynamic investment approaches.

Anthony Martins is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at JPMorgan Securities LLC and J.P. Morgan Bank N.A. Outside of his advisory role, he is a partner in My Favorite Beverage LLC, a marketing affiliate focused on maintaining an e-commerce website. Citigroup Global Markets serves individual and institutional clients across various wealth segments and offers a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional scale with specialized market roles and arrangements.

Anthony Sce III is a CFP® with over 42 years of experience in the financial services industry. He is affiliated with United Planners' Financial Services of America as a Limited Partner and has held leadership roles in several related businesses, including Executive Insurance & Financial Services Inc. and EIFS of Florida, Inc. Outside of his advisory work, he serves as the security chair for The Moorings Board Homeowners Association in East Islip, NY. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, and institutional clients through a network of independent advisers. The firm offers both advisory and brokerage services and utilizes a combination of custodians, third-party money managers, and platform programs to implement investment strategies, with a significant portion of assets managed on a non-discretionary basis.

Michael Mincone is a financial advisor at Kestra Advisory with one year of industry experience. He holds a Series 66 designation and has previously worked at Amazon.com Inc. and Healthfirst Inc. prior to joining Kestra. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering services including plan design, fiduciary consulting, employee education, and advisor-managed accounts. The firm serves very large institutional investors and employs a range of management platforms and third-party solutions.

Richard Knuth is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and possessing 23 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Ameriprise Financial Services, and Investment Professionals, Inc. He has been with Citigroup since 2021. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a variety of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains significant institutional capabilities including in-house research, derivatives services, and bespoke solutions for large clients.

Michael Conlin is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Northport, NY. He has three years of industry experience, including his current role at Valic Financial Advisors and prior work with Agia. Outside of his advisory work, he is appointed as an agent to sell non-securities insurance products for Agia. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models for portfolio construction.

Melissa Narine is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and eight years of industry experience. She has been with Citibank since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including derivatives and futures services.

Thomas Desroches is a financial advisor with PlanMember Securities Corporation, holding a Series 66 credential and eight years of industry experience. His career includes roles at Pruco Securities, The Prudential Insurance Company of America, and Axa Advisors. Outside of finance, he works as a garden assistant at Stew Leonard's Grocery Store and coaches youth basketball and soccer with Programs 4 All Kids. PlanMember provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm’s investment approach is based on strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Jason Bonito is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Citigroup since 2017 and previously worked at Joseph Stone Capital, LLC from 2013 to 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution and custody services. The firm combines large institutional scale with distinctive market roles, providing varied advisory solutions including discretionary accounts, alternative investments, and lending secured by advisory assets.

Kimberly Janowski is a financial advisor at PlanMember Securities Corporation with two years of industry experience. She holds a Series 66 designation and has worked with PlanMember and Mutual Inc. since 2023. Outside of advisory work, she is involved with Cado Capital LLC, where she provides tax preparation and related services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a strategic asset allocation framework to manage risk-based mutual fund portfolios and offers educational and support services to plan sponsors and participants.

Ricardo Chicas is a financial advisor at Lincoln Investment with 27 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Lincoln Investment in 2026, he worked at TIAA-CREF from 2013 to 2025. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and participants in 403(b) and 457(b) plans. The firm offers financial planning, retirement plan advice, and manages a mix of in-house and third-party investment strategies using both strategic and tactical approaches.

Calum Leonard is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at UBS, Gex Capital, and JPMorgan Chase. Leonard is based in Port Jefferson, NY. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with unique market roles and arrangements.

Anthony Speranza is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including Citi Bank, United Mortgage Company, and New York Life Insurance Co. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains large institutional capabilities such as in-house research and specialized market roles.

Ronald Posnack is a CFP® with 41 years of industry experience, currently serving as a financial advisor at Lincoln Investment since 2017. Prior to this, he worked at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory role, he operates a personal income tax preparation service and is involved as a director and owner of a local recreational soccer league. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of portfolio management services, employing both strategic and tactical investment approaches.

Michael Faraci is a financial advisor with PlanMember Securities Corporation, holding Series 63, 65, and 66 licenses and with eight years of industry experience. He has worked at firms including Transamerica Financial Advisors and World Financial Group, and maintains roles outside finance as a math teacher and private tutor. He also serves as chairperson of the Manhasset Benefits Trust. 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 employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, offering education and support services such as seminars, personalized planning, and separation counseling.

Alexander Dudley is a CFP® and ChFC® credentialed financial advisor with three years of industry experience. He currently works with PlanMember Securities Corporation and has prior experience with Mutual, Inc. DBA JTeam. Outside of his advisory role, Dudley is involved in soccer coaching through Royal Sporting Group. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, managing risk-based mutual fund portfolios and offering education and support services to plan sponsors and participants.

Richard Barnes is a ChFC® with 44 years of experience in the financial services industry. He has been affiliated with Kestra Advisory Services, LLC and Kestra Investment Services, LLC since 2016, and has operated under his own practice, Richard W Barnes, since 2003. He serves as Secretary of Coastline Private Wealth Management, Inc. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including plan sponsors, institutional, and individual clients. The firm offers services such as fiduciary consulting, plan design, and investment management, serving large institutional investors including sovereign wealth funds.

Jennifer Baron is a financial advisor with GWN Securities Inc. and holds Series 63 and Series 65 credentials. She has 38 years of industry experience and has been with GWN Securities since 2014. Outside of her advisory role, she is involved with the Center for Wealth Planning and is a part owner of Jenart Realty, LLC. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, using a range of investment approaches including legacy market-timing and momentum-based strategies.