Stephanie Caen is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2021. Prior to that, she spent nine years at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Derick Pantoja is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at Wells Fargo since 2007, including ten years at Wells Fargo Bank and nine years at Wells Fargo Clearing. Outside of his advisory role, he is a notary public in Yonkers, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Christopher Mirandi is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and bringing nine years of industry experience. He has been with Ameriprise since 2016, working across both the LLC and Inc. entities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, which provides tailored retirement income planning through written reports and ongoing advice that emphasize dependable income sources and tax-aware withdrawal strategies.

Frances Beiro serves as a Resident Director and Wealth Management Advisor at Merrill, where she has contributed since 2014. She is a partner in The Callahan Pascua Group and specializes in developing comprehensive wealth management strategies for individuals, families, and businesses. Her client focus includes college education planning, family wealth management, institutional investment consulting, liquidity management, retirement planning, tax minimization, and addressing the unique needs of women and clients in sports and entertainment. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, awarded in partnership with the Investments & Wealth Institute™ and The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned a Bachelor of Arts degree in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology, from San Diego State University, and a Master of Business Administration from Alliant International University. She is fluent in Filipino and English and participates actively in professional organizations, serving as the National Chair of the Investments & Wealth Institute™ Conference Committee beginning in 2024. Frances also holds leadership roles with the Merrill Women's Exchange in San Diego, including President for 2024-2025, and is a member of the La Jolla Woman's Club. Outside of work, her interests include music, scrapbooking, tennis, traveling, writing, yoga, and spending time with her family.

Steven Schmidt is a financial advisor at Osaic Wealth, Inc. with 38 years of industry experience. He holds a Series 63 designation and previously worked for American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in insurance sales, including variable universal life, disability income, long-term care, and fixed annuities. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using diverse investment vehicles and third-party money managers.

Sergio Russell Diaz is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Louis Cannataro, Northwestern Mutual Investment Services, Neuberger Berman, and Ameriprise Financial. Outside of his advisory role, Diaz owns and operates an art sales business and manages several real estate-related ventures. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Mullane is a CFP® certified financial advisor with 18 years of industry experience. He is currently with Cetera and has previously worked at Sterne Agee Investment Advisor Services and Wrp Investments. Mullane is also vice president of Omnia Financial, LLC, a firm focused on branding, marketing, and website services. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Luis Hernandez Peralta is a financial advisor at Merrill with Series 66 and Series 63 credentials and two years of industry experience. His work history includes roles at Bank of America, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of finance, he works as a community habilitation specialist with Eihab Human Services, providing social and developmental support to his sister. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, delivering model-based and discretionary strategies for a range of individual and institutional investors.

Goran Ljuljic is a financial advisor at Osaic with 33 years of industry experience. He holds a Series 63 designation and has worked with Osaic since 2018. Prior to that, he spent 21 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He is also involved in insurance brokerage and operates Lighthouse Financial Network, LLC, which provides insurance and investment planning services. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services along with financial planning and retirement consulting. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management, utilizing multiple advisory platforms and third-party managed account solutions.

Kara Rios is a financial advisor at Merrill with 7 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006. 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, pension plans, corporations, and charitable organizations.

Kyle Napolitano is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works predominantly with corporate executives to navigate the challenges and complexities associated with concentrated stock positions, deferred compensation, and asset management. His approach is goals-oriented, focusing on developing customized financial strategies tailored to meet the specific needs of each client to help them pursue their financial objectives. Kyle holds a Bachelor's Degree from Marist University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His areas of expertise include corporate executive services, executive and equity compensation, legacy planning, liquidity management, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Outside of his professional work, Kyle is involved with the Leukemia & Lymphoma Society. He also has personal interests that include baseball, basketball, cooking, football, golfing, ice hockey, music, spending time with his family, traveling, and watching movies.

Brandon Dariotis is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at J.P. Morgan Securities and JPMorgan Chase Bank. 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 and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Brian Rosoff is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Sterne Agee Investment Advisor Services and Sterne Agee Financial Services. Outside of his advisory role, he is president of Omnia Financial, LLC, which focuses on branding, marketing, and website services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and consulting services with a multi-manager platform, managing over $256 billion in assets.

Mark Badami is a CFP® with 30 years of industry experience, currently serving at Mass Mutual Investors Services since 2016. He is president of the Financial Planning Association of Long Island chapter and operates a cosmetic enhancement center as an owner/investor. MML Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers using firm-approved tools and collaborative planning methods.

Sean Bostwick is a CFP® with 26 years of industry experience, currently serving at Ameriprise since 2016. His work history includes roles at Planmember Securities Corporation and Sara Rose Events, Inc. He is also CEO of Bostwick Wealth Management, Inc., an Ameriprise financial franchise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides customized retirement planning advice through a collaborative, non-discretionary approach.

Anthony Casagrande is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 designation and two years of industry experience. He has additional experience working at Avantax Advisory Services and Avantax Investment Services Inc. He is also an accountant at Koval & Casagrande CPAs, PLLC, where he provides tax preparation and financial planning services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management and financial planning. The firm supports advisors with various program options ranging from model portfolios to bespoke strategies, managing over $256 billion in assets with a nationwide network of more than 10,000 advisors.

Louis Levy is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has held leadership roles including Chief Executive Officer of North Ridge Wealth Planning LLC and President & CEO of North Ridge Insurance Services LLC. His experience also includes work at North Ridge Insurance Services and Cetera Wealth Services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform supported by over 10,000 advisors nationwide.

Angelo Magoulas is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes positions at JPMorgan Chase Bank and Kuttin Wealth Management. Outside of financial services, he has been involved in the restaurant industry, working with J&R's Steakhouse and Bier Haus of Patchouge. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in their investment recommendations.

Kyle Nielsen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and is also affiliated with JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Alan Margolies is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked at AXA Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.