Edward Kovac is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 26 years of industry experience. His prior work includes roles at MetLife Securities Inc and Massachusetts Mutual Life Insurance Company. He serves as a volunteer board member for organizations providing services and information to elderly and sight-impaired individuals. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm structures financial planning as an annual, collaborative process using analytical software and generally recommends investment categories and strategies rather than specific products.

Eric Nachman is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Nachman co-presides over Endurance Operations Management LLC, managing business operations including human resources, expense management, and accounting. Ameriprise is an institutional firm offering retirement-income planning services primarily to clients with significant investable assets. Its approach integrates research, modeling, and tax-efficiency analysis to provide annual, non-discretionary retirement income recommendations, with an emphasis on assets held in Ameriprise Managed Accounts.

David Lasco is a financial advisor with Ameriprise in Valhalla, NY, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he serves as Co-President of the Fordham University Alumni Westchester and sits on the Board of Directors for the Financial Planning Association of the Greater Hudson Valley. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

John Barbary is a financial advisor at LPL Enterprise with 36 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Pruco Securities, LLC for 34 years before joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products via an integrated platform.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Todd Kingsbury is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. Kingsbury serves as a board member for two charitable organizations focused on community support and education. Merrill provides managed account services to clients of Bank of America through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Richard Cutler is a CFP® with 40 years of experience in financial services. He is associated with LPL Financial and has been operating Cutler Financial Services, LLC since 2003. He is also an independent insurance agent offering various insurance products, including property and casualty, health, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Pamela Wetherbee is a CFP® professional with 24 years of experience in the financial industry and has been with Ameriprise since 2011. She holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as the finance secretary for Fishkill United Methodist Church and is the First Vice Chair of her local Democratic Committee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jack Habif is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He also serves as a power of attorney for Sheron Habif in a non-investment capacity. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, 65, and 66 licenses and offering 25 years of industry experience. He has worked at Bank of America and Merrill since 2014. 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated within Bank of America’s broader corporate platform, providing access to a wide array of financial products and services.

Rosa Mazzone is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds the CFP® and Series 63 designations. Her work history includes roles at City National Bank and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Joseph Rosario Sr. is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 licenses. 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Mark Fleksher is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Securities America Advisors, Inc., and Prestige Wealth Group, LLC. Fleksher continues to be involved with Prestige Wealth Group, LLC in addition to his role at LPL Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies including machine learning.

Ashley Cassera is a financial advisor at Fidelity with 18 years of industry experience and holds the Series 66 designation. She has been with various Fidelity entities since 2007. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as an advisor to multiple registered investment companies and fund-of-funds.

John Murphy is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at American Portfolios Advisors, Inc., American Portfolios Financial Services, Inc., and HSBC Bank USA, N.A. Murphy is also engaged in insurance-related activities, including fixed annuities and insurance sales. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using a variety of investment strategies and platforms, including access to third-party money managers and model portfolios.

Joshua Bakhash is a financial advisor with LPL Financial in Woodcliff Lake, NJ, holding a Series 66 license and 18 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he maintains a real estate license with Re/Max in New Jersey but is not actively involved in commercial or residential real estate. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Paul Donato is a financial advisor with LPL Financial, holding a Series 63 designation and 17 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities, Inc. LPL Financial serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Aaron Morgenstern is a CFP® with 10 years of industry experience currently advising at Ameriprise in Valhalla, NY. He has held positions at Ameriprise since 2018 and previously worked at Keybank, JPMorgan Securities LLC, and JPMorgan Chase Bank. Morgenstern has also been affiliated with the State University of New York at New Paltz since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Christopher Leckenby is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC, where he served clients for over a decade. He is also involved with Jewelers Mutual Group in a property and casualty role. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, model portfolio programs, and access to third-party asset management. The firm’s integrated platform combines adviser programs with brokerage and insurance products, utilizing both discretionary and non-discretionary advisory approaches.