Donna Clemente is a financial advisor with M HOLDINGS SECURITIES, Inc., holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at M Holdings Securities since 2008 and has extensive history with Chernoff Diamond and Comprehensive Actuarial Services. Outside of her advisory roles, she serves as a board member of the Art League of Long Island. M HOLDINGS SECURITIES, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other entities through a network of independent firms and professionals. The firm provides a broad range of advisory and brokerage services, including discretionary investment management, retirement plan consulting, and insurance advisory, utilizing both in-house portfolio managers and third-party sub-advisors.

Richard Lahn Jr. is a financial advisor with The Pinnacle Financial Group, holding a Series 66 designation and 18 years of industry experience. He has worked with The Pinnacle Financial Group since 2013 and has been affiliated with LPL Financial since 2012. In addition to his advisory roles, Lahn is an author of *The Original Money Book*. The Pinnacle Financial Group provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, pension plans, trusts, and charitable organizations. The firm employs fundamental analysis across multiple asset classes and manages accounts primarily on a discretionary basis with regular monitoring and reviews.

Daniel Obrien II is a financial advisor at Douglass Winthrop Advisors LLC in New York, NY, holding a Series 63 designation with four years of industry experience. He has been with Douglass Winthrop Advisors since 1999. Douglass Winthrop Advisors provides customized investment management primarily to individuals, high-net-worth clients, families, trusts, endowments, and institutions through discretionary and non-discretionary accounts. The firm constructs all-equity or balanced portfolios using a five-filter fundamental research process and offers a Sustainable Equity Strategy alongside its core equity approach.

Victoria Pantaleo is a financial advisor at Arete Wealth Advisors, LLC with eight years of industry experience. She holds the Series 66 designation and has worked at Golub Capital since 2023, and previously at BlackRock from 2017 to 2023. Arete Wealth Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm primarily manages assets on a discretionary basis using both advisor-driven and proprietary model allocations, and it employs third-party sub-advisers alongside a due-diligence process for recommended managers and private investments.

Yu Li is a financial advisor at IP Financial Advisory Services LLC with four years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including B. Riley Wealth Advisors and Great Hill Advisory. Li is also a senior accountant at Taxmaster Financial Services Corp. LLC, where he is involved in tax planning, preparation, and consulting. IP Financial Advisory Services primarily serves individual retail clients, focusing on those who are not high-net-worth individuals. The firm offers portfolio management, financial planning, managed account programs, and retirement-plan consulting, often using discretionary authority and a range of analytical approaches to construct and monitor customized portfolios.

Nicholas Iocco is a financial advisor at The Pinnacle Financial Group with 44 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial since 1997 and at The Pinnacle Financial Group since 2016. The Pinnacle Financial Group provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm employs a disciplined investment process that includes written Investment Policy Statements and fundamental analysis across various asset classes, managing accounts primarily on a discretionary basis with regular monitoring and reviews.

Bryan Cass is a CFP® professional with three years of industry experience. He is currently with Laird Norton Wetherby Wealth Management, LLC, where he has worked since 2025. Prior to this, he held positions at Wetherby Asset Management and BNY Mellon Wealth Management. Laird Norton Wetherby Wealth Management provides wealth planning and investment management services primarily to high-net-worth individuals and related entities. The firm employs a customized investment approach emphasizing strategic asset allocation, global diversification, and a core-satellite strategy that includes active management and alternative investments.

Roman Moldavsky is a financial advisor at Fortis Capital Advisors, LLC with 17 years of industry experience. He holds the Series 66 designation and has worked at several firms including Purshe Kaplan Sterling Investments, Mass Mutual Investors Services, and Metlife Securities. Moldavsky has also been associated with multiple Fortis-affiliated entities throughout his career. Fortis Capital Advisors serves individuals, families, businesses, retirement plans, institutional clients, and other advisers with portfolio management, financial planning, retirement-plan consulting, and educational workshops. The firm offers customized advice through various investment strategies, including ESG options, and manages discretionary portfolios totaling $1.615 billion in assets as of the end of 2025.

I came to the U.S. from the Dominican Republic when I was 11 years old. As an immigrant, I had to learn two languages: English, and money. I did not learn personal finance concepts at home or in school, so I can relate to professionals who are advancing in their careers as they plan for their futures, yet feel a certain inadequacy around money. Seeing my parents' journey to create a better life for us inspired me to do better, not only for myself, but for others looking to build a better financial future for themselves. I personally observed how much harder it can be for women. My mother had to do very physical jobs her whole life, while also raising 6 kids (me, my brother, and four sisters) and taking care of elderly parents. She also outlived my dad, which further compounded the need for her financial security. I became a CERTIFIED FINANCIAL PLANNER™ professional in order to help other First Gen wealth creators like myself pursue their goals. I do my best to keep it simple, so no fancy jargon or investment terms. It’s all about your vision of success and how I can help you on your way to building a better financial future. I look forward to meeting you and learning more about your goals and aspirations. Luis Rosa is an investment advisor representative registered with Savvy Advisors, Inc. (“Savvy”). All investment advisory services offered by Luis Rosa are offered through Savvy. Build a Better Financial Future LLC is an independent marketing brand name used by Luis Rosa for advertising and marketing purposes only. Build a Better Financial Future LLC and Savvy are not related or affiliated. For more information about Savvy, please visit our website. All advisory services are offered through Savvy Advisors, Inc. (“Savvy Advisors”), an investment advisor registered with the Securities and Exchange Commission (“SEC”). Savvy Wealth Inc. (“Savvy Wealth”) is a technology company and the parent company of Savvy Advisors. Savvy Wealth and Savvy Advisors are often collectively referred to as “Savvy”.

William Graham is a financial advisor with Latitude Advisors, LLC, holding a Series 63 designation and 23 years of industry experience. He has worked at Latitude Advisors since 2015 and concurrently operates his own CPA practice, William J. Graham CPA, where he serves as a tax advisor. Latitude Advisors serves individual and business clients by providing financial planning, discretionary portfolio management, third-party manager selection, and pension consulting. The firm uses a combination of model-based strategies and fundamental/quantitative analysis to manage client portfolios, typically on a discretionary basis.

Nolan Cooney is a financial advisor at Perigon Wealth Management, LLC in New York, NY, holding a Series 65 designation. He joined the firm in 2025 and has prior experience with several NFL teams and at Syracuse University. Perigon Wealth Management provides customized investment advisory and wealth management services to a diverse client base, including individuals, trusts, estates, businesses, charitable organizations, and banking or thrift institutions. The firm employs a flexible investment approach, often using sub-advisors or turnkey asset management programs, and maintains formal account reviews with ongoing oversight.

Ernest Schultz is a financial advisor at Latitude Advisors, LLC with six years of industry experience. He holds a Series 63 designation and has worked previously at Mass Mutual Investors Services, MassMutual Life Insurance, Park Avenue Securities, and Guardian Life Insurance. Outside of his advisory role, he is involved in video production as a producer and owner of Clarkson Media and participates in advertising sales for MapToons, which creates business maps and directories for Chambers of Commerce in Nassau and Suffolk counties. Latitude Advisors serves individual investors, including high-net-worth clients, and business clients by providing financial planning, discretionary portfolio management, third-party manager selection, and pension consulting. The firm employs a combination of model-based strategies and fundamental/quantitative analysis and manages most new client relationships on a discretionary basis.

Dastin Mudijana is a financial advisor with Arete Wealth Advisors, LLC in New York, NY. He holds a Series 66 designation and has one year of industry experience. His prior roles include positions at Arete Wealth Management LLC, Creed Equities, Grow Investment, Ayers Asia Asset Management, and Victoria Manajemen Investments. Outside of advisory work, he is a paid plasma donor at Biolife Plasma Services. Arete Wealth Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm primarily manages assets on a discretionary basis using both advisor-driven and proprietary model allocations, and it incorporates third-party sub-advisers and due diligence in its investment process.

Jose Reynoso is a financial advisor at Summit Trail Advisors, LLC with four years of industry experience. He holds a Series 63 designation and previously worked for Clarfeld Financial Advisors, LLC for 15 years. Outside of his advisory role, he practices law as an attorney and serves as co-manager and trustee for a family investment LLC. Summit Trail Advisors serves a diverse clientele including individuals, families, charitable organizations, and institutional retirement plans. The firm’s investment approach focuses on asset allocation, investment selection, and portfolio construction using an open-architecture strategy that incorporates ETFs, mutual funds, separate accounts, independent managers, and private funds.

Michael Sherman is a financial advisor with Mutual of Omaha Investor Services, Inc., holding Series 65 and Series 66 licenses and 27 years of industry experience. He has been with Mutual of Omaha since 2010 and previously worked at Pathmark. Outside of his advisory work, he serves as a volunteer board member for his condominium homeowners association. Mutual of Omaha Investor Services, Inc. provides advisory services to individuals, corporations, and qualified retirement plans, offering financial planning, managed account programs, and retirement plan consulting. The firm delivers managed solutions through platform relationships and third-party managers, serving a range of client types including non-high-net-worth and high-net-worth individuals.

Michael Caterina is a financial advisor at Zacks Investment Management, Inc. with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley Smith Barney LLC and UBS Financial Services. Zacks Investment Management provides discretionary portfolio management to a diverse client base, including individuals, trusts, estates, retirement plans, and institutional investors. The firm employs a proprietary investment process that combines quantitative and qualitative analysis across multiple strategies and operates both as a direct manager and a provider of indices, model portfolios, and alternative funds.

Daniel Brady is a financial advisor with Savvy, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley, Gladstone Wealth Partners, and Chardan Capital Markets. He is based in New York, NY. Savvy provides investment and financial planning services to individuals, trusts, businesses, ERISA plan sponsors, and charitable organizations. The firm employs a primarily index-based, long-term approach complemented by active equity portfolios and tax-aware direct indexing, using third-party sub-advisers and technology platforms to customize client investment plans.

Kevin Ocana is an investment advisor representative at Siebert AdvisorNXT, LLC with 10 years of industry experience. He has worked previously at Merrill, Morgan Stanley, UBS Financial Services, and Muriel Siebert & Co., LLC. He holds Series 63 and Series 66 designations. Siebert AdvisorNXT serves individuals, high-net-worth clients, families, trusts, and business entities through investment supervisory services and managed programs. The firm combines a web-based platform using Modern Portfolio Theory with access to third-party and independent managers, offering both discretionary and non-discretionary portfolio management within a wrap-fee structure.

Elizabeth Brozena is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Modera Wealth Management, LLC since 2022. She previously worked at Greystone Wealth Advisors, LLC and Wells Fargo. Modera Wealth Management provides wealth management, portfolio management, retirement plan consulting, and financial planning services to individuals, trusts, corporations, and plan sponsors. The firm employs a diversified asset allocation strategy based on Modern Portfolio Theory and combines investment management with in-house accounting, tax services, and business coaching.

Steven Heinowitz is a financial advisor at Calton & Associates, Inc. with 15 years of industry experience. He holds the Series 66 designation and has worked previously at firms including Herold Advisors, Quint Capital Corp, Wellington Shields & Co. LLC, and Citigroup Global Markets Inc. Heinowitz has a personal LLC for tax purposes that is not investment related and does not involve trading activities. Calton & Associates serves individual investors, retirement plans, trusts, and estates, offering portfolio management, financial planning, retirement plan consulting, and access to third-party money managers. The firm operates as both a registered investment adviser and broker-dealer, providing various investment program structures tailored to client goals and risk tolerance.