Richard Rubenstein is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Guardian Life and its affiliated entities since 1998 and is currently affiliated with Park Avenue Securities. Rubenstein serves as Chairman of the National Board of Directors for Cure SMA and maintains a general law practice as an attorney. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers tailored client relationships through a variety of proprietary and third-party platforms.

Victoria Mc Mahon Croce is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and with eight years of industry experience. She has worked at various affiliated Bankers Life entities since 2007 and currently manages and trains new agents as part of her role as an insurance agent. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, focusing on customized asset allocation, periodic rebalancing, and tax efficiency. The firm integrates investment management with affiliated broker-dealer and insurance services and emphasizes individual client relationships.

Terence Mcglynn is a financial advisor with Guardian Life, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 38 years of industry experience and has worked at Guardian Life since 1989, as well as at Park Avenue Securities since 2024. Outside of his advisory role, he is involved with TGM Financial Group, which provides fixed annuity and health insurance sales. Guardian Life’s subsidiary, Park Avenue Securities, serves individuals—including high-net-worth clients—corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of advisory services, combining advisor-led discretionary management with model-based strategies and digital advisory solutions.

Thomas Garner is a financial advisor with Guardian Life and holds a Series 66 designation. He has six years of industry experience and has worked with firms including Park Avenue Securities, Equitable Advisors, and AXA Advisors. Park Avenue Securities LLC, where he practices, provides brokerage and investment advisory services to individuals, including high-net-worth clients, as well as corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers access to proprietary and third-party advisory solutions.

Michael Donofrio is a CFP® with 29 years of experience in the financial services industry. He is affiliated with Guardian Life and Park Avenue Securities, where he has worked for multiple overlapping periods since 1997. Donofrio is also the owner of Donofrio Financial Management, LLC, which manages certain insurance commissions unrelated to investments. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, and charitable organizations. The firm offers a combination of advisor-led discretionary management and model-based strategies, with access to proprietary and third-party platforms, and a range of financial planning and consulting services.

Ellen Montemayor is a ChFC® credentialed financial advisor with 24 years of industry experience. She has been with New York Life since 2002 and joined Eagle Strategies (NY Life) in 2026. Eagle Strategies serves a broad range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its assets on a non-discretionary basis.

Michael Burns is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 1996. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles such as swap dealer and futures commission merchant.

Michael Levine is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Guardian Life and its affiliated entities since 2014. Outside of advisory services, he writes property and casualty, health, life, and long-term care insurance. Guardian Life, through its subsidiary Park Avenue® Wealth Management, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary programs and investment platforms.

Matthew Ludmer is a financial advisor at Concurrent Investment Advisors, LLC with 43 years of industry experience. He has previously worked at Spire Investment Partners, LLC and currently serves as an Investment Advisor Representative of Spire Wealth Management through the affiliated firm Aligned Wealth. Outside of his advisory role, he founded the Aligned Center, a membership-based community organization focused on personal growth. Concurrent Investment Advisors, LLC is a multi-team firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement plan advisory services using customized, primarily long-term portfolios with ETFs, mutual funds, and other securities, supported by a network of approximately 286 advisors.

Vivian Cohn is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2003. Prior to that, she worked at Henes Floretti Associates starting in 1997. She is also a notary public. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors. The firm provides a range of advisory programs, wealth management, and retirement plan consulting services, offering operational and investment platform support while allowing advisors discretion in portfolio construction.

Nancy Kingsberg is a Series 66-credentialed financial advisor with 18 years of industry experience. She has been with Eagle Strategies (NY Life) and its affiliated entities since 2016, following seven years at Merrill. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Gerard Tavella is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has worked exclusively with Park Avenue Securities and Guardian Life since 2006. Tavella is involved in a business venture owning an interest in Strategies for Wealth through Three Elles, LLC. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and education services tailored to client needs.

Steven Crabbe is a financial advisor with Eagle Strategies (NY Life) in White Plains, NY, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has been with Eagle Strategies since 2015 and previously worked with NYLife Securities and New York Life Insurance. Crabbe is also involved as a shareholder in NYLARC Holding Company, which reinsures life insurance policies he writes with New York Life. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing the vast majority of assets on a non-discretionary basis while serving diverse institutional sponsors within an integrated New York Life affiliate structure.

Marlon Martinez is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 credentials and four years of industry experience. He has worked at Citibank since 2017 and has prior experience in hospitality and golf course service roles. Outside of advising, Martinez is involved in delivery services and owns a photography business specializing in event coverage. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and derivative services.

Nicholas Babson is a financial advisor at Hightower Advisors in Rye Brook, NY, holding a Series 66 designation with one year of industry experience. Prior to joining Hightower, he worked at Pontera Solutions Inc and held several roles at Kenyon College. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers a range of portfolio management and consulting services.

Allen Herskowitz is a financial advisor with Money Concepts Capital Corp and holds a Series 63 designation. He has 23 years of experience at Money Concepts Capital Corp and has also served as president of his own CPA firm, Allen B. Herskowitz, CPA, PC, since 1991. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to a diverse client base including individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs using model portfolios, third-party sub-advisers, and incorporates fundamental and technical analysis alongside modern portfolio theory.

Jeff Russo is a financial advisor at Janney Montgomery Scott with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America and Merrill. Outside the financial industry, he has been involved with Pozzitiv Productions. 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 clientele, including individuals, families, trusts, corporate sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Nicholas Jembelis is a financial advisor at Janney Montgomery Scott with 27 years of industry experience. He holds Series 66 and Series 63 licenses and previously spent 26 years at David Lerner Associates Inc before joining Janney Montgomery Scott in 2025. 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 broad range of clients including individuals, families, trusts, corporate sponsors, and municipalities, offering brokerage services, financial planning, consulting, and multiple advisory programs.

John Traut is a financial advisor at Stratos Wealth Partners, Ltd with nine years of industry experience. He holds a Series 66 designation and has previously worked at firms including Oppenheimer & Co., Merrill, and Bank of America. Outside of his advisory role, he serves as a firefighter with the New York Fire Department. Stratos Wealth Partners is an SEC-registered enterprise advisor with approximately 379 advisors managing around $18.6 billion in assets. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutions, offering customized portfolio management through an open-architecture platform that integrates multiple third-party managers and features specialized planning services.

Josh Becker is a Series 63-licensed financial advisor with Guardian Life, where he has worked since 1997, totaling 27 years at the firm and 29 years in the industry. He has 40 years of overall experience and maintains ownership in a Guardian General Agency through Brooklyn Financial Group Holdings, LLC. Guardian Life’s Park Avenue® Wealth Management provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, with tailored client relationships that may include discretionary or non-discretionary mandates, retirement plan services, and financial education.