Ana Ludemann is a financial advisor at Janney Montgomery Scott with six years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Merrill. Ana also has a background that includes experience at Adelphi University. 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, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Leonard Rappe is a financial advisor at Guardian Life with 29 years of industry experience. He holds the PFS™ designation along with Series 63 and Series 66 licenses. His career has been primarily with Guardian Life and its affiliated entities since 1996. Outside of his advisory work, he serves as a trustee for the Seymour M. Feinstein Trust. He is affiliated with Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and investment advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting services tailored to client needs.

Eric Rothman is a financial advisor with Guardian Life in Lawrence, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Guardian Life since 2012. Outside of his advisory role, he is the managing director of Rothman Financial Group and owns Rothman Consulting Network Inc., a legal entity used for income and expense purposes. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management, model-based strategies, and digital advisory solutions, along with access to insurance products and alternative investments.

James Scheidel Jr. is a Series 63 registered financial advisor with 24 years of industry experience. He is currently with Voya Financial Advisors, Inc., where he has worked since 2014, and is also associated with Anthony Izzo & Associates since 2012. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that provides financial planning, portfolio management, and retirement advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm employs a combination of in-house and external strategists and utilizes technology-enabled tools to deliver a range of advisory programs, with a significant focus on client-approved, non-discretionary management approaches.

David Greengold is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 63 license and bringing 33 years of industry experience. He has worked at VOYA Financial Advisors since 2014 and has been involved with Pension Actuarial Consultants, Inc. since 1987. VOYA Financial Advisors, Inc. is an affiliate of Voya Financial that provides financial planning, portfolio management, and retirement advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to deliver both discretionary and non-discretionary investment management through a large network of representatives.

Candace Kearney is a financial advisor at Money Concepts Capital Corp with 25 years of industry experience. She holds a Series 63 designation and has been with Money Concepts since 2008. Outside of her advisory role, she is a therapeutic riding instructor at Horseability and serves as an officer for the charity Project Thank A Cop. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm employs a range of managed programs and portfolio strategies, combining fundamental and technical analysis with modern portfolio theory.

Joseph Falco III is a financial advisor at Guardian Life with the Series 66 designation and two years of industry experience. He has worked with firms including Park Avenue Securities and Ameriprise Financial Services. Outside of his advisory role, he is involved in an outside insurance business. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm employs a combination of advisor-led discretionary management and model-based strategies supported by proprietary and third-party platforms.

Mark Jaffe is a financial advisor at Citigroup Global Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, supporting both discretionary and non-discretionary programs.

Steven D'Andrea is a financial advisor at Ameritas Advisory Services, LLC with 11 years of industry experience. He holds a Series 63 designation and has worked with Ameritas since 2014 in various capacities. In addition to his advisory role, he operates Dipaola Financial, a business involved in life, disability, and annuity insurance sales. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse group of clients, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of investment solutions, including model portfolios, mutual funds, ETFs, and customized strategies, supported by multiple program platforms and affiliated entities that broaden its service and product offerings.

Anthony Pizzariello is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has six years of industry experience, including roles at Principal Securities Inc., Principal Life Insurance Company, T3 Trading Group, and Axiom Markets. In addition to his advisory duties, he is engaged in outside sales of life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel globally. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Louis Margro is a financial advisor with Eagle Strategies (NY Life) holding ChFC® and Series 63 credentials and has 27 years of industry experience. He has been affiliated with Eagle Strategies since 2023 and concurrently operates Summit Wealth Solutions & Insurance Services and Nylife Securities Inc., maintaining a longstanding relationship with New York Life Insurance Company since 1997. His other business activities include brokering health, life, fixed annuities, disability, and property and casualty insurance products with outside carriers. Eagle Strategies serves a diverse client base including individual investors and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations delivered via multiple program types, with a majority of its assets managed on a non-discretionary basis.

Leo Chen is a financial advisor at Citigroup Global Markets with a Series 66 designation and no prior industry experience. His work history includes positions at Citi, PNC, and Redbull, as well as a background in education at Carnegie Mellon University and secondary schools. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with in-house research, swap dealing, and futures commission merchant activities.

Marc Merber is a Series 63 licensed financial advisor with 33 years of industry experience. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2014. Outside of his advisory role, Merber serves as a director on his cooperative board in Lynbrook, NY. 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 offers a range of financial planning, discretionary and non-discretionary management, and access to proprietary and third-party investment solutions tailored to client needs.

Steven Mense is a financial advisor with Guardian Life and holds a Series 63 designation. He has 31 years of industry experience, including roles at Guardian Life, Park Avenue Securities, Mass Mutual Investors Services, and Massachusetts Life Insurance Co. In addition to his advisory work, he is the owner of a real estate business, Judas Enterprises. Park Avenue Securities LLC, a subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and nonprofits. The firm offers a range of financial planning, discretionary and model-based portfolio management, and access to proprietary and third-party investment solutions.

James Roche is a CFP®, ChFC®, and holds a Series 66 license, with 13 years of experience in the financial services industry. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2012. 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 offers a range of financial planning and consulting services, blending advisor-led discretionary management with model-based strategies through proprietary and third-party platforms.

Jared Jones Crosby is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds the Series 65 and Series 63 designations and previously worked at Bank of America, N.A. and Merrill. Crosby has been with TIAA and TIAA-CREF since 2022 and 2025, respectively. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered retirement relationships. The firm offers both point-in-time financial planning and ongoing portfolio management through model and customized portfolios.

Christopher Jones is a CFP®-designated financial advisor with 22 years of industry experience. He is currently with Commonwealth Financial Network and has prior experience at Securities America Advisors, Inc. and OSAIC. In addition to his advisory work, he spends a portion of his time involved in fixed insurance sales. 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 managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Matthew Rizzo is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 19 years of industry experience. His career includes roles at Paris International, MML Investors Services, and Mass Mutual Life Insurance Company. He is also involved in fixed insurance sales as a secondary business activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors. The firm offers a range of managed-account programs, access to third-party asset managers, and back-office services, serving both individual and institutional clients.

Bryan Carlucci is a financial advisor with Guardian Life, holding a Series 66 designation and two years of industry experience. His work history includes roles at Guardian Life and Northeast Financial Network, as well as previous employment in diverse fields such as hospitality and education. Outside of his advisory duties, he engages in independent insurance activities unrelated to Guardian Life. Guardian Life’s Park Avenue Wealth Management subsidiary provides brokerage and investment advisory services to individuals, retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary and third-party investment solutions.

Thomas Lynch is a financial advisor at VALIC Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with VALIC Financial Advisors since 2013. In addition to his advisory role, Lynch works as an agent for Agia, focusing on non-securities insurance products. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.