Luke Kirschbaum is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Northwestern Mutual and several positions outside the financial industry, as well as periods focused on full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management supported by a multi-asset model portfolio approach and centralized operational structure.

Frank Iacovano is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank NA, Bank of America, Merrill, and Northwestern Mutual. Prior to his career in finance, he held positions outside the industry including at Buteras Restaurant of Woodbury and Starbucks. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may incorporate ESG criteria, supported by affiliates for implementation and portfolio services.

William Phillips is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He worked at Sii Jhfn from 2010 to 2018 before joining Osaic in 2018. Phillips also operates Client Focused Advisors, a DBA for his investment and securities business. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services across various programs. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by technology and multiple management options.

Bridget Scala is a financial advisor at Osaic with 23 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Fortis Group Advisors, LPL Financial, and Invest Financial Corporation. Outside of advising, she teaches yoga and Pilates at Ocean Bliss Yoga. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing access to a wide range of investment programs and third-party platforms.

Rafael Aliaga is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2021. Prior to that, he was employed at JPMorgan Chase Bank, N.A. and gained additional experience in wholesale supply and retail sectors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and includes capabilities in derivatives and commodities.

Sean Russell is a financial advisor at Stifel with two years of industry experience. He holds a Series 66 designation and previously worked in education and public service, including roles at High Point University and as an ocean lifeguard for the Town of Oyster Bay. Stifel serves a broad range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary methodology for investment analysis and asset allocation developed by its Investment Strategy Group.

Joseph Cardino Jr. is a financial advisor with Primerica Advisors in Copiague, NY, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advising, he is involved in managing a Primerica-related legal entity and owns a company that leases office space for Primerica operations. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of its investment models.

Michael Milillo is a financial advisor with Cetera and holds Series 63 and Series 65 credentials, with 19 years of industry experience. He is also the Chief Executive Officer of Milillo Capital Management Inc., where he provides investment and financial planning services. His prior experience includes roles at Avantax Advisory Services, Osaic Wealth, and Mass Mutual Life Insurance Company. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Andrew Paczkowski is a financial advisor with Charles Schwab in Garden City, NY, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. His career includes roles at Scottrade, Inc., TD Ameritrade, Inc., and Charles Schwab Bank SSB. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment options along with integrated brokerage, custody, and financial planning services.

Rachel Coronel is a Financial Advisor at Merrill Lynch Wealth Management, specializing in guiding individuals, medical professionals, and business owners through personalized financial strategies. She focuses on understanding each client's unique financial goals and investment style to build individualized plans that reflect their needs. Rachel's approach centers on collaboration and maintaining discipline to help clients pursue their objectives effectively. With 19 years of experience in financial services, Rachel's expertise encompasses education planning, legacy planning, managing new wealth, personal retirement planning, small business strategies, socially responsible and values-based investing, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. She holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in political science from Columbia University. Rachel is actively involved in community organizations focused on education, mentorship of young women, Latino businesses, and autism awareness. She speaks English, French, and Spanish, and lives on Long Island with her husband and their three bilingual children.

Jason Sanders is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves individuals and institutional clients by offering various advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by its Global Investment Committee’s return estimates and modeling tools.

Efrain Fernandez is a financial advisor with Ameriprise in Garden City, NY, holding Series 63 and Series 66 credentials and 30 years of industry experience. His prior roles include eight years at Edward Jones and positions at Funds Distributor and Mirae Asset. Outside of finance, he is the president of Colori Bella Hair Studio, a hair salon, and also performs as a musician with Ready in 10, a corporate and wedding band. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Daniel Hanwacker Jr. is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities for 10 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and investment models.

Sean Vail is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing, Chase Investment Services Corp., and JPMorgan Chase Bank, N.A. prior to his current roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process combines quantitative and qualitative research to develop model asset allocations and incorporates ESG criteria within a non-discretionary framework.

Daniel O'Connell Jr. is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2020. Prior to that, he was with Precise International for one year and attended Villanova University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Lance Antony is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Morgan Stanley & Co. LLC from 2007 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

Peter Katsigiorgis is a Series 66-credentialed advisor with 23 years of industry experience, currently with J.P. Morgan Securities since 2012. He has also worked at JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative due diligence and may include ESG considerations, supporting clients who retain final decision-making authority.

Peter Orzel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Emily Godfrey is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, she worked at The Citadel and Ernst and Young. She holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Jeffrey Markowitz is a financial advisor at Morgan Stanley in Garden City, NY, with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2017, following a year at Wells Fargo Clearing. His outside activities include a trust-related business based in Brooklyn, NY. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.