Thomas Carolan is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2023 and has a long tenure with Allied Wealth Partners and Securian Financial Services dating back to 2014. Outside of his advisory role, he is also active as an insurance agent and broker. 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 diverse investment management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated managers, providing a variety of program options under discretionary and non-discretionary authorities.

Ira Bergman is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 designation and has worked previously at North Ridge Securities Corp. and Cetera Wealth Services, LLC. Outside of advising, he serves as treasurer for St. John Lutheran Church, where he prepares budgets and reviews financial statements. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary program options.

Christopher Salogub is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013, following earlier roles at Morgan Stanley from 2004 to 2013. 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 within a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative investment research.

Courtney Landow is a financial advisor at J.P. Morgan Securities based in Garden City, NY, holding a Series 66 designation. Landow has one year of industry experience and previously worked in various roles including at Harrison Richards and Stove And Tap. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program is non-discretionary, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Ryan McDermott is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His career includes long-term roles at J.P. Morgan Securities since 2012, JPMorgan Chase Bank, NA since 2006, and Janney Montgomery Scott since 2004. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by a centralized due diligence process combining quantitative screens and qualitative research.

Timothy Mc Kenna is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has been with Merrill since 2014. Outside of his advisory role, he is the owner of a for-profit business unrelated to investments. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Jared Moreida is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including Old Bridge Wealth, Inc. and Sycale Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

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 with Wells Fargo since 2007, including a decade at Wells Fargo Bank before joining Wells Fargo Clearing in 2017. Outside of his advisory role, he is a notary public in Yonkers, NY. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Donaldson is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has one year of industry experience, including prior roles at Blue Ocean Wealth Solutions and experience in education and hospitality. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and other entities through a network of investment adviser representatives. The firm’s investment approach is primarily model-driven, offering financial planning, access to third-party asset managers and TAMPs, and participation in a wrap program.

Rajesh Guglani is a financial advisor with J.P. Morgan Securities in Garden City, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2001. 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 is supported by centralized due diligence combining quantitative and qualitative research, and it incorporates a range of strategies including ESG considerations.

Aaron Lin is a financial advisor at Charles Schwab with 18 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade and Scottrade. Lin is currently based in Garden City, NY. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering wrap fee advisory, brokerage, custody, and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by ongoing research and due diligence.

Susan Cohn is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 45 years of industry experience. She has been with Raymond James in various capacities since 2010, including nine years at Raymond James & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals—including high-net-worth clients—institutions, pension and profit-sharing plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Goran Ljuljic is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for over two decades. He is also involved in insurance brokerage and operates Lighthouse Financial Network, LLC, providing insurance and investment planning services. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach featuring asset allocation, portfolio optimization, and access to both discretionary and third-party managed strategies.

Rochelle Cohen is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, and business owners to develop personalized financial strategies that address risk tolerance, time horizon, and liquidity needs. Rochelle leverages the combined resources of Merrill Lynch and Bank of America to provide investment management, individual and business financing, retirement planning, and trust and estate planning consultation. With extensive knowledge across stocks, bonds, hedge funds, private equity, and derivatives, Rochelle collaborates closely with clients to organize their financial affairs, define goals, and establish plans that balance current liquidity needs and future objectives. She emphasizes ongoing oversight and adjustment of strategies, including portfolio structuring, budgeting, and coordination with other professionals such as accountants, attorneys, and insurance agents to deliver comprehensive financial guidance. Rochelle holds a Bachelor's Degree from the University of Maryland and is a Personal Investment Advisor (PIA). She serves on the Board of Directors for Citylights at Queens Landing Coop Board. Outside of her professional work, she enjoys cooking, golfing, listening to music, watching movies, and spending time with her family.

Christopher Pesce is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He previously worked at UBS Financial Services, Merrill, and Janney Montgomery Scott. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning areas including retirement, education, and niche services such as business-owner transition and special-needs analysis. The firm integrates advisory services with other financial products and referral channels.

Terence Hickey is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors, SSN Advisory, Kestra Financial, and Trinity Financial Group, where he continues to serve as a tax advisor and insurance advisor. Outside of his advisory role, he maintains an accounting and tax practice, providing tax advisory services and limited accounting support to clients. OSAIC serves a wide range of retail and institutional clients, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with various discretionary and third-party management options, and is notable for its scale, complex affiliate network, and multi-platform offerings.

Lisa Murphy is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her career includes positions at Charles Schwab Bank, Charles Schwab Premier Bank, Wells Fargo, Signature Bank, and Citigroup. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory models with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized operational and custodial infrastructure.

Julian Walter is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and JPMorgan Chase Bank. 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 within a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

Vincent Tirino is a financial advisor with Morgan Stanley, holding a Series 66 designation and over 27 years of industry experience. He has worked at Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015, and previously spent six years at Merrill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Ravit Kaye is a Senior Resident Director and Wealth Management Advisor at Merrill, leading the Long Island South Shore office. She has been working with accomplished individuals and multi-generational families since 2005, providing a wealth management experience that integrates the broad capabilities of Merrill and Bank of America. Her services include investment guidance, private market and alternative opportunities, tax-aware planning, trust and estate coordination, liquidity and cash-flow analysis, and risk management aligned with client priorities. Ravit advises professionals across various fields such as law, medicine, entertainment, and senior executives of privately held companies. Her practice also supports wealth-transfer heirs and next-generation leaders, helping them develop the discipline and confidence needed to make informed financial decisions and manage wealth responsibly. She emphasizes retirement readiness by creating streamlined plans that incorporate lifestyle, cash-flow projections, tax-efficient withdrawal strategies, and risk controls. Born in Israel, Ravit served as a sergeant in the Israel Defense Forces before traveling in South America. She holds a Bachelor's degree in Finance and Economics from Baruch College's Zicklin School of Business and has earned the Chartered Retirement Planning Counselor and Personal Investment Advisor designations. She speaks English, Hebrew, and conversational Spanish, and participates in community organizations including the Merrill Advisor Growth Network and the National Association of Women Business Owners. Ravit lives in Lido Beach with her husband and three children and engages in activities such as biking, cooking, gardening, golfing, hiking, and traveling.