Jeffrey Hoelderlin is a financial advisor with Schwab Wealth Advisory and holds Series 63 and Series 66 licenses. He has 21 years of industry experience, including roles at Charles Schwab and TD Ameritrade. He is currently based in Stamford, CT. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across a range of securities, using Schwab’s proprietary asset allocation models and research tools.

Sarah Simon is a financial advisor at Cresset Asset Management, LLC with 12 years of industry experience. She holds a Series 65 designation and has worked at Cresset since 2020, following prior roles at Coastal Bridge Advisors from 2015 to 2020. Cresset Asset Management, LLC is an SEC-registered investment adviser managing approximately $71.9 billion in client assets for a diverse client base that includes individuals, high-net-worth families, trusts, estates, retirement plans, charitable organizations, corporations, and pooled investment vehicles. The firm employs a diversified, asset-allocation-driven investment approach combining active and passive strategies, with a structured due-diligence program and private-fund management activities across multiple asset classes.

Gregory Maloney is a financial advisor at GWN Securities Inc. with 42 years of industry experience. He holds a Series 63 designation and has been with GWN Securities since 2004. He also serves as Senior Vice President at CGAA Inc., a firm involved in insurance sales and investment advisory services. GWN Securities is an SEC-registered investment adviser and broker-dealer that offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios for individual and business clients. The firm manages approximately $3.65 billion across more than 37,000 accounts through a large network of advisors.

Anthony Izzo is a financial advisor with VOYA Financial Advisors, Inc. in Melville, NY, holding a Series 63 designation and bringing 43 years of industry experience. He has been with VOYA Financial Advisors since 2014 and has operated Anthony Izzo & Associates since 2012. Outside of his advisory roles, Izzo is president of Benefit Planning Corp, a fixed insurance sales firm. VOYA Financial Advisors, Inc. serves a broad range of individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting through multiple program structures, often providing non-discretionary recommendations.

Michael Ballestrini is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. He has been with Janney for over a decade, including his current tenure since 2021. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and advisory programs supported by both in-house portfolio management and third-party managers.

Daniel Goggin is a financial advisor with Oppenheimer in Stamford, CT, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Oppenheimer since 2014. Outside of his advisory role, he serves on the Board of Directors of The Stanwich Club in Greenwich, CT. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers a wide range of programs and services, including discretionary and non-discretionary portfolio management, financial planning, and retirement consulting.

Ulric Bruce Jr. is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Hauppauge, NY, holding a Series 63 designation and over 31 years of industry experience. He has been with Equity Services and National Life since 2013. Outside of his advisory role, he is involved in marketing and selling disability and fixed insurance products through related business activities. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering multiple advisory platforms that incorporate long-term strategies and third-party asset managers.

James Tumminelli is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 20 years of industry experience. Prior to joining Kestra Advisory in 2023, he spent nine years at LPL Financial. Outside of his advisory role, he is an insurance agent offering life insurance and fixed annuities. Kestra Advisory provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including large plan sponsors and sovereign wealth funds. The firm offers services such as fiduciary consulting, plan design, and advisor-managed accounts, supported by due diligence and access to multiple management platforms.

Pambayan Meyyan is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Guardian Life since 2015 and also works at Park Avenue Securities, a wholly owned subsidiary of Guardian Life. Park Avenue Securities LLC operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage, financial planning, retirement consulting, and both proprietary and third-party advisory programs.

Joseph Guercio is an investment advisor at Kestra Advisory with six years of industry experience. He holds Series 63 and Series 65 credentials and has been with Kestra Advisory Services LLC since 2022, following prior roles within Kestra Investment Services LLC. Outside of his advisory work, he coaches a travel baseball team, providing training and development for players. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as plan design, fiduciary consulting, and plan-level investment advice. The firm manages approximately $79.8 billion in assets and serves a broad client base that includes large institutional investors.

Clifford Giles is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 credentials and has 39 years of industry experience. He previously worked at LPL Financial for nine years before joining Kestra in 2023. Giles is also involved as an insurance agent with Advisors Insurance Brokers. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including very large investors such as sovereign wealth funds. The firm offers services like fiduciary consulting, plan design, and investment due diligence, supporting both discretionary and non-discretionary management approaches.

Michael Deamicis is a financial advisor with VOYA Financial Advisors, Inc. He holds the ChFC® designation and the Series 66 license, with 18 years of industry experience. Prior to joining VOYA in 2020, he worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, Metropolitan Life Insurance Company, and Metlife Securities. Outside of his advisory role, he serves as Chapter Sponsorship Chair for the National Aging in Place Council and volunteers as a driver and spokesperson for the American Cancer Society. VOYA Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth clients, offering services such as financial planning, portfolio management, and plan-sponsor consulting through multiple program structures.

Theodore Papadopoulos is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for nine years before joining Janney in 2021. Janney Montgomery Scott is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, and advisory services through multiple wrap programs and managed account solutions.

Daniel Moruzzi is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at National Life, Equity Services, Metlife Securities, and American Portfolios Financial Services. Outside of his advisory work, he is involved in the sale and servicing of fixed insurance products through his roles with Coastline Wealth Management and Prosperity Planning Solutions LLC, and serves as a trustee for family estate planning matters. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional investors, including sovereign wealth funds.

Brian Byrne is a financial advisor at Equity Services, Inc. with 22 years of industry experience. He has been with Equity Services and National Life since 2016. Outside of his advisory role, Byrne is involved in selling fixed insurance products through Eastern Advisory Group. Equity Services, Inc., also known as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with the use of multiple advisory platforms and third-party asset managers, offering both discretionary and non-discretionary management options.

Ronit Rogoszinski is a CFP® professional with 34 years of industry experience, currently with Osaic Advisory Services, LLC since 2024. Her prior experience includes roles at American Portfolios Advisors, Inc., SlateStone Wealth, LLC, and LPL Financial. She is one of ten guest authors featured in the book *Money Talks*, which provides insights on difficult financial conversations, and she operates a business focused on Women and Wealth Solutions. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, delivering advisory through multiple program models with portfolios managed using proprietary and third-party platforms.

Davanan Ramsumair is a financial advisor at VOYA Financial Advisors, Inc. with 11 years of industry experience. He has held his current role since 2015 and previously worked at Weichert Realtors. Ramsumair also operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. serves individual and institutional clients, including retirement plan sponsors and high-net-worth individuals. The firm offers a range of services such as financial planning and portfolio management, delivering advice primarily through recommendation-based, non-discretionary arrangements.

Bryan Erdheim is a financial advisor at Commonwealth Financial Network with two years of industry experience. He holds a Series 65 designation. Prior to his current role, he has been involved with The Medical Link LLC since 2009 and operated his own practice, Bryan Erdheim, from 1999 to 2017. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios, wealth management, and retirement plan consulting.

Christian Kilian is a financial advisor with TD Private Client Wealth LLC and holds a Series 66 designation. He has one year of industry experience and previously worked at Equitable Advisors, LLC and TD Bank N.A. Kilian attended Sacred Heart University from 2021 to 2025. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth clients, offering portfolio management, financial planning support, and access to a range of investment products through its TD Managed Portfolios and related strategies.

Sandra Salmon is a financial advisor with Principal Financial Services, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Woodbury Financial Services, Inc. and OSAIC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers under multiple advisory and promoter arrangements.