Louis Ciliberti is a CFP® and ChFC® with 35 years of industry experience. He is currently with Concurrent Investment Advisors, LLC and has held previous roles at firms including Purshe Kaplan Sterling Investments and Ameriprise Financial Services. Outside his advisory work, he serves on the board of the NYS Troopers Memorial Fund, a nonprofit involved in community events such as toy drives and food distributions. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by internal due diligence and platform integrations.

Paul Michaluk is a financial advisor with Commonwealth Financial Network in Jericho, NY, holding a Series 66 designation and 21 years of industry experience. Prior to joining Commonwealth in 2024, he worked at Securities America Advisors and Securities America Inc for eight years. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients, managing around $212.7 billion in assets. The firm offers a broad adviser-support platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody and clearing services.

Zhuojie Liu is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2015. Prior to that, he was employed at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he is the sole owner of Aaron & Emma LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs, supported by extensive research and compliance frameworks.

Thomas Cohen is a financial advisor at Janney Montgomery Scott with five years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, Cohen serves as president of the Chest & Foundation of the Fur Industry of the City of New York, a charitable organization supporting retired and disabled fur industry workers and their families. 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, offering brokerage services, financial planning, consulting, and various advisory programs with a combination of in-house and third-party portfolio management.

Brannigan Judge is a financial advisor at VOYA Financial Advisors, Inc. with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including TIAA-CREF, Pinnacle Investments, and Santander Securities. Outside of his advisory role, he is co-owner of Decisional Tax Services, LLC, which offers tax preparation services, and serves as an independent insurance agent and Medicare Advantage captive agent. VOYA Financial Advisors, Inc. provides financial planning, portfolio management, and retirement advisory services to individuals, institutional clients, and charitable organizations. The firm combines in-house and external strategists with technology-enabled tools to offer both discretionary and non-discretionary investment management through a large network of advisory representatives.

James Cavanaugh is a financial advisor with GWN Securities Inc. in Rockville Centre, NY, holding a Series 63 designation and 11 years of industry experience. He has been with GWN Securities since 2015 and is also associated with ABMM Financial. Outside of his advisory role, he serves as managing member of Health Strategies, LLC, where he assists small business owners with health insurance decisions. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm employs both affiliated and unaffiliated sub-advisers, using asset allocation and Modern Portfolio Theory, and is known for incorporating market-timing and momentum-based strategies in several legacy programs.

Adam Kaufman is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 credentials and possessing 42 years of industry experience. He has been with Guardian Life and its affiliates since 2010. In addition to his advisory work, Kaufman serves as co-treasurer on the board of the Crystal Brook Park Association. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser owned by The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, retirement consulting, and advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Anthony Manougian is a financial advisor with Oppenheimer, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Oppenheimer since 2012 and previously worked at Morgan Stanley from 2008 to 2012. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering a range of advisory services such as equity, balanced, and fixed-income portfolios with both discretionary and non-discretionary management. The firm maintains custody of client assets while operating both broker-dealer and advisory businesses and manages a significant portion of advisory assets on a non-discretionary basis.

Rong Jian Jiang is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds a Series 66 designation and previously worked at Merrill, Bank of America, and other firms. Jiang is also a beneficial owner of Clear River Consolidated Holdings Inc. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, operating under the ownership of Citizens Bank, N.A.

Dana Lind is a Series 63-licensed financial advisor with Primerica Advisors, bringing 30 years of industry experience. She has worked with Primerica Advisors and Guardian Life Insurance Company since 2010 and is currently affiliated with Park Ave Securities. Outside of her advisory work, she is listed as vice-president of a construction and remodeling business owned by her husband, though she does not actively participate in its operations. Park Avenue Securities serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types and supports multiple financial planning and consulting solutions.

Diana Yang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has held roles at multiple firms including Freedom Path Consulting Inc. and Creliable Tax Consulting, and maintains involvement with several business ventures such as a tax preparation practice and consulting firms. Yang also holds a real estate referral license and serves as CEO of Freedom Path Consulting Inc. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory services through a large advisor network and multiple program platforms.

Christina Bauer Dobias is a financial advisor at TIAA-CREF with 23 years of industry experience. She holds the Series 66 designation and has worked previously at Healthcare Community Securities Corporation, Cammack Retirement Group, Osaic FA, Inc., and Morgan Stanley Dw Inc. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, frequently serving clients with prior relationships through TIAA-administered employer retirement plans. The firm provides model-based and customized portfolio management within a fiduciary framework and acts as adviser to the TIAA Donor Advised Fund.

David Trinh is a financial advisor at Transamerica Financial Advisors with a Series 66 designation and one year of industry experience. Prior to joining Transamerica, he worked at Alexion Pharmaceuticals and World Financial Group Insurance Agency. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services, offering proprietary and third-party investment models with discretionary and non-discretionary program options.

Amin Rashid is a CFP® and ChFC® with 32 years of experience in the financial services industry. He is currently affiliated with Principal Financial Services and has prior work history at Asset Management Investment Network. In addition to his advisory role, he is involved in selling health insurance through Granite Insurance Brokerage. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by third-party managers.

Mark Heinemann is a financial advisor with Eagle Strategies (NY Life) based in Melville, NY, holding Series 63 and 65 licenses and over 40 years of industry experience. His career includes roles at New York Life Insurance Company since 1985 and affiliated firms such as Wealth Conservation Group, Inc. and Pinnacle Strategies. Outside of advisory work, he is a partner and passive investor in several business ventures including HCBM Partners. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, institutions, and corporate sponsors. The firm emphasizes tailored advice through various program types and manages a significant majority of assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Thomas Tyler is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 66 licenses. He has 36 years of industry experience and has been with Eagle Strategies since 2009. Tyler also serves as a trustee on the Board of the High Oaks Village Home-Owners Association, where he manages community service contracts and maintenance relationships. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm emphasizes tailored recommendations and offers a range of advisory programs, with most assets managed on a non-discretionary basis.

Timothy Shaw is a CFP®-credentialed financial advisor with 13 years of industry experience, currently affiliated with Stratos Wealth Partners, Ltd. His prior roles include positions at LPL Financial, Composition Wealth, Citigroup, Capital One, and Morgan Stanley. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management, serving a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients. The firm employs an independent adviser representative model with an open-architecture investment approach that integrates multiple third-party platforms and managers to deliver customized portfolio management and planning services.

Lori Rappaport Steiner is a financial advisor at Oppenheimer with 37 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and has worked at Oppenheimer since 2009, following a 14-year tenure at Citigroup Global Markets. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm offers a range of programs with discretionary and non-discretionary management, encompassing equity, balanced, and fixed-income portfolios, and provides consulting and retirement services tailored to client objectives.

Christopher Cardali is a financial advisor at Mariner with 14 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Forte Capital LLC for eight years and Fce for one year. Mariner serves a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations, providing investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm utilizes a discretionary, customized portfolio approach supported by an internal team and third-party managers, with a notable integration of tax, accounting, and administrative family office services.

Ray Young is a financial advisor with Private Advisor Group, LLC and holds a Series 63 designation. He has 44 years of industry experience, including over 15 years at Private Advisor Group and LPL Financial. In addition to his advisory work, he is involved in non-variable insurance related to life, health, and fixed annuities, and he operates an entity named RK Wealth Advisors, LLC for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm uses a fiduciary-based advisory model and incorporates a range of investment strategies through both in-house and third-party managers.