Emiliano Padilla is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities since 2012. Prior to that, he worked at JPMorgan Chase Bank, N.A. beginning in 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Karl Jean Baptiste is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked in various roles, including at Jpmorgan Chase Bank, New York Life Insurance Company, and NY Founding Hospital. His background includes nearly a decade with Flatiron Transit LLC alongside his financial services career. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment process.

George Schmansky Jr. is a financial advisor with Cetera, holding a Series 63 designation and 29 years of industry experience. His career includes roles at Metlife Securities Co., MassMutual Life Insurance Co., and Mass Mutual Investors Services before joining Cetera in 2026. He also works as an independent insurance agent specializing in Life, Accident, Health, Long-Term Care, Dental, and Group Disability income insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary account management.

William Parkinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds a Series 66 credential and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors, offering a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Jason Bimonte is a CFP® professional with 18 years of industry experience. He is currently a financial advisor at Royal Alliance, where he has worked for the past 13 years. He operates his practice under the marketing name Shelter Rock Financial Group and also holds a license to sell life insurance. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services. The firm employs quantitative tools and third-party platforms to construct and manage portfolios across multiple asset classes for various client types.

Cijin Hu is a Senior Financial Advisor at Merrill Lynch Wealth Management in Garden City, New York. She works with clients to address various aspects of their financial lives, focusing on understanding each client's short- and long-term objectives. Leveraging the global resources of Merrill, she constructs personalized, goals-based financial strategies to help clients pursue their long-term goals. She holds the Chartered Retirement Planning Counselor™ (CRPC™) and Chartered Retirement Plans Specialist™ (CRPS™) designations, as well as the Personal Investment Advisor (PIA) credential. Cijin earned a bachelor's degree from the University of Bridgeport. She is fluent in both Chinese and English. Outside of her professional work, Cijin's personal interests include cooking, golfing, hiking, photography, singing, and traveling.

Eileen Grady is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 38 years of industry experience. She has been with Raymond James & Associates since 2016 and concurrently has worked at Avon Products during the same period. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and investment consulting primarily through non-discretionary advisory relationships.

Edwin Martinez is a financial advisor with Primerica Advisors based in Farmingdale, NY, holding a Series 63 designation and 14 years of industry experience. He has worked at PFS Investments Inc. since 2012 and Primerica Financial Services since 2006. Outside of advisory services, Martinez is involved in sales of home security and automation products, mortgage loan products, and other home-related services through affiliated companies. Primerica Advisors is a large firm offering a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third-party asset managers and provides advisory services through a broad network of advisors.

Michael Waters is a ChFC® with 40 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at RSC Financial Services and Securities America Advisors. Waters is a partner in TSGOC LLC, an administrative company supporting back-office operations, and serves as a senior managing director at Risk Strategies Company, overseeing sales and service of insurance products. He also holds a board member position for a condominium association. OSAIC serves a diverse client base, including individual investors, institutions, and charitable organizations, through a large network of affiliated advisers. The firm provides a range of integrated brokerage and advisory services, employing a multi-platform approach and various tools such as asset-allocation modeling and risk assessments to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jonathan Montalto is a financial advisor at J.P. Morgan Securities with six years of industry experience. He has held roles at J.P. Morgan Securities since 2019 and JPMorgan Chase Bank, N.A. since 2018. Outside of his advisory work, he is a partner in GNL Capital LLC, a business involved in triple net lease commercial real estate. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework integrated into its investment recommendations.

William Mitchell is a financial advisor at J.P. Morgan Securities, holding a Series 66 designation with one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A. and Lululemon Athletica. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that integrates quantitative asset-allocation modeling and centralized due diligence, with an emphasis on ESG criteria.

Timothy Popko is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 63 and Series 66 credentials. Prior to joining Morgan Stanley in 2017, he worked at Nylife Securities LLC and New York Life Insurance Co. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Alan Schoenfeld is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked at Merrill since 1973 and at Bank of America, NA since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Santoli is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at Prudential Financial and JPMorgan Chase Bank. Santoli serves as a board member for Grace Christian Academy, a private Christian school in Merrick, NY. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Maria Merino is a financial advisor with Primerica Advisors in Freeport, NY, holding a Series 63 designation and 12 years of industry experience. She has worked with PFS Investments Inc. since 2014 and has previous experience at Health Republic and Anthem Empire Blue Cross Blue Shield. Outside of advisory work, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-delivery investment strategies supported by third-party managers and provides advisory services through a large network of financial advisors.

Jonathan Hernandez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior experience includes roles at Bank of America, Merrill, Joseph Gunnar & Co., and Northwestern Mutual. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with due diligence and an ESG eligibility framework. The firm offers non-discretionary advice delivered by Wealth Advisors and leverages a broad product set through its affiliation with the J.P. Morgan banking and broker-dealer organization.

Daniel Mazzola is a CFP® with 32 years of industry experience. He is currently with Osaic Wealth, Inc. since 2024 and previously worked at American Portfolios Financial Services for 14 years. He is also a CPA and prepares tax returns for investment advisory clients and local individuals as part of his services. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using tools such as asset-allocation models and automated rebalancing to manage a variety of investment portfolios on both discretionary and non-discretionary bases.

Ronald Marciano is a Senior Financial Advisor, Portfolio Manager, and Senior Vice President with Merrill Lynch Wealth Management, based in the Garden City office in New York. He holds the designations of Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA). Ronald has more than 30 years of experience in the financial services industry. He earned his bachelor's degree from the Peter J. Tobin College of Business at St. John's University and completed his high school education at Chaminade High School. Ronald’s client focus includes high net worth individuals, retirees, and small business owners. His areas of expertise encompass money management, equities, mutual funds, insurance, fixed income, retirement planning, estate planning, college planning, tax minimization strategies, and implementing pension and profit-sharing plans for small and medium-sized companies. As a portfolio manager, he manages personalized and defined investment strategies on a discretionary basis. Ronald is involved in his local community and has volunteered with various organizations, including positions as a Director of the Garden City Scholarship Fund, scout leader, and soccer coach. He is a member of the Sons and Daughters of Italy, Cellini Lodge. He resides with his family in Garden City, New York, and enjoys cooking, golfing, hiking, reading, running, and spending time with his family.

Fotios Katsigiannis is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab & Co., LinkedIn, Groove, Artera, Procore, Fidelity, Wells Fargo Clearing, Chase Investment Services, and Equitable Advisors. Outside of his advisory work, he is a co-owner of a commercial real estate property with a family member. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of non-discretionary advice and discretionary separately managed accounts. The firm’s extensive scale and integrated structure provide clients with bundled advisory, brokerage, custody, and cash-sweep services.

Francisco Lorenzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2001 and joined Merrill Lynch in 2008. He holds a bachelor's degree in Business Administration from Hofstra University and multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Francisco focuses on developing personalized wealth management strategies that address his clients' individual financial goals, including retirement planning, education planning, insurance, long-term care, and estate planning. His approach includes reviewing assets, allocation, and risk assessment to create tailored plans for individuals, families, and businesses. He collaborates with clients to understand their life priorities and create plans designed around their goals and aspirations. Outside of his professional work, Francisco enjoys spending time with his family, participating in activities such as biking, snowboarding, traveling, and engaging with community outreach programs including St. Jude's Children Hospital and his alma mater, Hofstra University.