Susy Chang is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. She has 33 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1991. In addition to her advisory work, she is an independent insurance agent specializing in life, accident, health, Medicare-related products, and property and casualty insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational services using firm-approved software and structured annual planning engagements.

Adam Elgert is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a landlord involved in rental property management in Stamford, CT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Christopher Yadre is an Investment Consultant at Fidelity, where he collaborates with clients to develop comprehensive financial plans aimed at achieving their long-term financial goals. He focuses on creating tailored strategies that address the specific needs of each client and their family. Prior to his current role, Christopher gained experience as a Financial Representative at Fidelity Investments from 2023 to 2025 and as an Intern at Sound Financial Strategies from 2021 to 2023. His background reflects a commitment to building expertise in financial planning and investment consulting. Outside of his professional work, Christopher has interests in baseball, beach activities, fitness, hiking, music, and reading.

Michael Di Lorenzo is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Royal Alliance Associates and LPL Financial. He is also involved in the sale of fixed insurance products through a sole proprietorship. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a network of affiliated advisers and multiple platforms. The firm utilizes firm-provided asset-allocation tools and third-party services to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and HSBC Bank USA, N.A. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by model portfolios, research, and various investment management options.

Edward Byrne is a Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. His expertise encompasses bond trading, financial market analysis, and comprehensive wealth management strategies tailored for individuals and families. Edward's global experience includes a five-year period in Japan specializing in bond trading, providing him with a unique perspective on investment strategy, risk management, and market dynamics. He holds FINRA Series 7, 9, 10, 63, and 66 registrations and the Chartered Retirement Planning Counselor (CRPC) designation, supporting his commitment to delivering disciplined planning and informed decision-making to his clients. Edward focuses on building, preserving, and transitioning wealth through personalized service backed by his extensive fixed-income market knowledge. A lifelong resident of New Jersey, Edward lives in Bergen County with his family. He is involved in his community through support of organizations such as the Friends Of The County Animal Shelter (FOCAS) in Hasbrouck Heights, NJ. Outside of work, Edward enjoys football, genealogy, music, softball, swimming, and traveling.

Kathryn Palao is a CFP® with 19 years of industry experience, currently serving at Cetera. She has held roles at Cetera Wealth Services, LLC and Hudson Financial Services since 2006. Outside of advisory work, she serves as a board member for the Briarcliff Manor Chamber of Commerce, where she assists with event planning and marketing. Cetera Investment Advisers LLC is a large, SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a network of independent advisors. The firm offers various portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement a range of investment strategies and program options.

Michael O'Donovan is a financial advisor at Edward Jones in Somers, NY, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and emphasizes tax-efficient services and fiduciary standards in its advisory offerings.

Nicole Lyding is a financial advisor with Cetera, holding a Series 63 designation and eight years of industry experience. She has worked at Cetera since 2019 and was previously with Foresters Financial from 2017 to 2019. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 10,000 advisors and approximately 800,000 clients nationwide.

Angela Fitzgibbon is a financial advisor with Ameriprise, holding a Series 63 designation and 34 years of industry experience. She has been with Ameriprise in various capacities since 1991. 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 advice focused on retirement income planning, using in-house research and third-party data to support clients approaching or in retirement.

Dennis Zacharopoulos is a financial advisor at Cetera with six years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Equity Services Inc and National Life Group. Outside of his advisory role, he serves as secretary of the Morris Jumel Neighborhood Association board and participates in several nonprofit and community organizations, including Prejudice Unfolded and Groundwork Bridgeport. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients nationwide through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform that allows for customized investment strategies across various program structures.

Tony Antinori is a Planning Consultant at Fidelity Investments, a position he has held since 2015. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2013 to 2015 and briefly as a Financial Representative at JP Turner & Company in 2013. Before transitioning into financial advising, Tony had a 40-year career in the construction industry. He decided to change his professional path to focus on financial planning, which he describes as his passion. He enjoys assisting clients in developing and implementing investment strategies for their futures and intends to continue in this role as long as he finds it fulfilling. Tony is married and has five grown children and nineteen grandchildren. His personal interests include cooking and baking, gardening, and parenthood.

Patrick Harding is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. He has worked in various capacities within Wells Fargo entities since 2009. Harding also owns Harding Wealth Management LLC, a financial planning practice based in Warwick, NY. 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, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Robert Servidio is a financial advisor with Morgan Stanley in Fort Myers, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes 15 years at Citigroup Global Markets before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.

Leif Waller is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan since 2014. Outside of his advisory role, he serves on the board of directors for the Scarsdale Concours d'Elegance, an annual charity car show, and is president and owner of Braider Technologies, a specialty manufacturing and consulting firm. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining large institutional advisory capabilities with broker-dealer and investment adviser registrations.

Judi Mc Anaw is a financial advisor at Edward Jones with 34 years of industry experience. She holds the Series 63 designation and previously worked at JP Morgan Chase Bank and JP Morgan Securities LLC from 2009 to 2018 before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

William Norkin is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding a Series 63 license and 29 years of industry experience. He previously worked at Metlife Securities Inc. for 22 years before joining Mass Mutual in 2016. Outside of his advisory role, Norkin is the vice president and owner of Noreteile Products, Inc., which provides various insurance products, and he also works as an independent insurance agent. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides structured, collaborative planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Taisha Yunez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Steven Bellon is a CFP® professional with 35 years of experience, currently serving at Mass Mutual Investors Services and MassMutual Life Insurance Company since 2012. He holds Series 63 and Series 66 licenses and is based in Tarrytown, NY. Outside of his advisory work, he serves as a board member for the Ryan Ashford Memorial, a nonprofit focused on mental health programs for teens and young adults. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative financial planning engagements and provides a range of specialized planning programs and educational seminars.

Christopher Sause is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. Prior to Merrill, he held positions at Camperio SIM S.p.A. and Winch S.r.l., and has teaching experience at Sacred Heart University and the International School of Milan. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.