Robert Fretto is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His career includes roles at Charles Schwab Bank, Charles Schwab & Co., TD Ameritrade, and AXA Advisors. 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 a large client base with integrated brokerage, custody, and advisory functions, offering both non-discretionary guidance and access to discretionary separately managed accounts.

Jeffrey Dievendorf is a financial advisor with Primerica Advisors in Delmar, NY, holding a Series 63 designation and over 23 years of industry experience. He has been affiliated with Primerica Financial Services since 1998 and PFS Investments, Inc. since 2002. Outside of his advisory role, he is a director at Ellis Alexander Consulting and owns Pearls & Diamonds LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven strategies managed by unaffiliated asset managers. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Steven Howe is a financial advisor with LPL Financial based in Albany, NY. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial, he worked at Broadview Federal Credit Union and has experience as a client services representative. Howe is also a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.