Philip Razza is a Financial Consultant currently working at Fidelity Investments. In this role, he collaborates with individuals and families to develop and maintain financial plans that align assets with their goals, adjusting these plans as circumstances evolve through different life stages. Philip has accumulated experience in various roles at Fidelity Investments since 2021, including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Professional at Equitable Advisors from 2020 to 2021.

Camille Kelton is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to joining Ameriprise, she worked at Merrill for five years. Outside of her advisory role, she works as a personal assistant and caregiver for elderly clients through the New York Consumer Personal Assistance Program. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Gary Nagle is a CFP®-designated financial advisor with 32 years of industry experience. He is currently with OSAIC, joining the firm in 2024 after working at American Portfolios Financial Services Inc and Mass Mutual for over two decades. Outside of his advisory role, he operates a sole proprietorship as a life, health, and property & casualty insurance broker. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by a complex affiliate network and private-equity ownership.

George Elkin is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at American Portfolios Financial Services, Inc. for 23 years. Outside of his advisory role, he is also involved as an insurance agent selling life and annuities. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform with access to both affiliated and third-party managers.

Nicholas Klopsis is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. His prior roles include positions at American Portfolios Financial Services, Inc., Merrill, and OSAIC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. It offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Kenneth Cracchiola is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has a diverse work background including roles in tax services, hospitality, and education. Outside of finance, he has been associated with several businesses in the food and service industries. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written recommendation reports and ongoing tax-aware withdrawal strategies, leveraging proprietary research and third-party data within a defined investment framework.

Joseph Faller is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. His prior roles include positions at HSBC Bank USA, N.A. and People's United Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad advisory and brokerage platform. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various credit and banking partnerships.

Nichole Dalena is a Financial Consultant at Fidelity Investments, a position she has held since 2020. In her role, she partners with clients to understand their financial goals and needs, co-creating plans designed to provide peace of mind and confidence in their financial futures. Nichole specializes in financial planning aimed at helping clients work towards their goals. Her approach centers on collaboration and tailored strategies to meet individual client needs. Outside of her professional work, Nichole enjoys activities such as beach outings, boating, family activities, outdoor adventures, snowboarding, and traveling.

Jeffrey Hendel is a financial advisor with Raymond James Financial in Smithtown, NY, holding a Series 63 designation and 28 years of industry experience. Prior to joining Raymond James in 2019, he worked at Ameriprise Financial Services for 13 years. He is also the CEO of Hendel Wealth Management Group, a separate enterprise through which he operates his advisory practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting services supported by analytical tools and sponsors wrap-fee advisory programs while maintaining specialized municipal advisor affiliations and employer advisory services.

Robinson Crothers is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Financial Services, Murano LLC, and American Portfolios Advisors, Inc. Crothers serves as a Board Member and Trustee of the Patchogue Arts Council, a local nonprofit community arts organization. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plans, charities, and corporate entities. The firm offers brokerage and advisory services through various programs emphasizing model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and third-party manager options.

Darwin Falcon is a financial advisor at Cetera with nine years of industry experience. He holds a Series 63 designation and previously worked at Cambridge Investment Research Advisors and Relamit. He also has an associate role at Conservative Wealth Management LLC, where he provides financial services. Cetera Investment Advisers LLC distributes services through a large nationwide network of independent advisors, serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with various program options and custodial relationships.

Charles Capilets Jr. is a financial advisor with Equitable Advisors in Melville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. He also operates under the DBA Sound Private Wealth. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and advisory programs, providing a range of investment options and ERISA fiduciary services.

Matthew Jacoby is a financial advisor at OSAIC with four years of industry experience. He holds a Series 65 credential and has prior work history with PPS Advisors and American Portfolios Financial Services. Outside of advising, Jacoby is a CPA who owns a tax accounting business. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a range of brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and supports various strategies through a complex affiliate network and multiple custodial arrangements.

Ryan Mc Adam is a Series 66 licensed financial advisor at Morgan Stanley with five years of industry experience. His previous roles include positions at Bayside Tax & Wealth, Edward Jones, and the Office of the Suffolk County Comptroller. Outside of finance, he is involved as a musician with Gnarly Karma, a recreational music enterprise. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm’s approach incorporates structured planning tools and scenario modeling, managing approximately $2.74 trillion in client assets.

Colleen Walsh is a financial advisor at Equitable Advisors with eight years of industry experience. She holds a Series 66 designation and has worked at Equitable Advisors since 2017, with prior roles at Axa Advisors, LLC, and Axa Equitable. She also serves as administrator and executor of her family estate. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a variety of advisory models, including third-party asset managers and LPL-sponsored programs, and offers ERISA fiduciary services to qualified plans.

Ryan Lebson is a financial advisor with Equitable Advisors in Melville, NY, holding a Series 66 designation. He has one year of industry experience and has previously worked at Money Tree Merchant Services and 1-800-Flowers. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a range of advisory models, including third-party managers and proprietary programs, to match clients with appropriate investment solutions.

Jean Desjardins Raposa is a CFP®-designated financial advisor with 28 years of industry experience. He has worked at Fidelity Investments since 2025 and has held positions at Fidelity Brokerage Services LLC, RBC Capital Markets, LLC, and Citigroup Global Markets. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.

Vincent Cardullo is a financial advisor with LPL Financial who holds a Series 63 designation and has 37 years of industry experience. He has been with LPL Financial since 2009 and is also affiliated with North East Wealth Management Associates Inc. and Waterstone Financial Group. Outside of his advisory work, he is involved in tax preparation and accounting services through The Tax & Financial Center, where he serves as president and oversees operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Richard Santoro is a financial advisor with Primerica Advisors in Copiague, NY, holding a Series 63 license and 22 years of industry experience. He has been with Primerica Advisors since 2003 and with Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. 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 curates third-party asset managers and employs an operational model based on tiered wrap fees.

Jason Goldberg is a financial advisor at OSAIC with 31 years of industry experience. He holds the Series 65 and Series 63 designations. His prior roles include positions at Securities America, Inc., NewBridge Securities Corporation, and Worden Capital Management LLC. OSAIC is a multi-advisor platform serving a diverse client base, including retail and institutional investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services with a model-driven investment process and a broad range of portfolio management options.