Andrew Morgasen is a financial advisor at Cetera with 15 years of industry experience. His prior roles include positions at Charles Schwab, Ameriprise Financial Services, LPL Financial, and Next Financial Group. Morgasen holds Series 63 and Series 66 licenses. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through multiple program structures and custodial relationships, supported by over 10,000 advisors and approximately $256 billion in assets under management.

Thomas O'Grady is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping individuals and families build, protect, and transition their wealth by creating personalized strategies aligned with their values, aspirations, and legacy. His areas of expertise include family wealth management strategies, employee financial health, legacy planning, managing new wealth, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Thomas holds a High School Diploma from Oyster Bay High School, an Associate's Degree from Daytona State College, and a Bachelor's Degree from the University of Florida. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional role, Thomas is involved with Planting Fields Arboretum State Historic Park and enjoys various outdoor activities such as boating, cycling, motorcycling, and spending time with his family and two dogs.

Joseph Iucci is a financial advisor with Primerica Advisors, holding a Series 63 designation and 28 years of industry experience. He has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Nina Mcelroy is a financial advisor with Merrill in Melville, NY, holding Series 63 and Series 66 credentials and 28 years of industry experience. She has been with Merrill since 2009 and concurrently associated with Bank of America N.A. since 2007. Outside of her advisory work, she serves on the board of trustees for The Governor's Academy, an educational institution in Massachusetts. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services primarily through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a mix of model-based and discretionary investment strategies developed by internal and third-party managers, with a range of tactical and tax-aware asset allocation options.

Samuel Moss is a financial advisor at Cetera with 45 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at North Ridge Securities Corp. and 4M Capital Services, LLC, where he serves as owner and president. Outside of advisory roles, he is involved in fixed insurance sales, including life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement various portfolio management strategies with discretionary and non-discretionary options, supporting more than 10,000 advisors and overseeing over $256 billion in assets.

Vincent Giardini Jr. is a financial advisor with Primerica Advisors in Holbrook, NY, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining Primerica Advisors in 2021, he worked at Primerica Financial Services beginning in 2020 and has experience at Data Device Corp and Stony Brook University. His activities include the sale of loan products and referrals for home security and automation services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program that serves individual investors, corporate, and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party managers and custodians.

Michael Uvenio is a financial advisor with LPL Financial, holding a Series 63 designation and 24 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ameriprise and Ameriprise Financial Services, Inc. from 2015 to 2025. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and model portfolios.

John Cullinan is a financial advisor at LPL Financial in Melville, NY, holding a Series 66 designation with 24 years of industry experience. His prior roles include positions at American Portfolios Financial Services and TD Bank, N.A., including TD Private Client Wealth. Outside of his advisory work, he is involved with Cullinan and Travaglianti Planning Incorporated, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting its clients with discretionary and non-discretionary management, model portfolios, and research from both in-house and third-party sources.

Ruth Ann Kalage is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Anirudh Sulibhavi is a financial advisor with Wells Fargo Clearing in Melville, NY, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. Prior to his current role, he worked at Citigroup for nine years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and more than 14,000 financial advisors. The firm combines proprietary research with third-party analytics to offer brokerage and advisory solutions across a broad range of financial products.

Marie Kirsch is a financial advisor with LPL Enterprise in Melville, NY, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. Her prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, New York Life Insurance Company, and NYLife Securities LLC. Additionally, she serves occasionally as a notary public. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers comprehensive financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products on an integrated platform.

Yolene Justafort is a financial advisor with Primerica Advisors, holding a Series 63 designation and 25 years of industry experience. She has been with Primerica Advisors since 2000 and has worked with Primerica Financial Services since 1999. In addition to her advisory role, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm utilizes third-party asset managers and an independent due-diligence process to oversee its investment models.

Susan Santangelo is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2010. Santangelo also serves as an administrator for a fiduciary estate and holds a power of attorney role in another non-investment related capacity. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Suozzo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2000 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable emphasis on including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Burriciello is a financial advisor with Merrill in Melville, NY, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith, Inc. for the past 15 years. Merrill, together 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, supported by internal Chief Investment Office teams and third-party style managers.

Samantha Cala is a Planning Consultant at Fidelity Investments, where she collaborates with clients throughout the financial planning process to align strategies with their financial goals and priorities. She emphasizes ongoing relationships with clients to accommodate changes in their financial situations over time. Samantha has been with Fidelity Investments since 2020, initially serving as a Relationship Manager before assuming her current role in 2023. Prior to joining Fidelity, she worked as a Financial Representative at AXA Equitable from 2017 to 2020. Outside of her professional role, Samantha engages in activities such as family gatherings, social events, Pilates, reading, running, and soccer.

Jerrold Silverman is a financial advisor at Ameriprise with 12 years of industry experience. He holds a Series 66 designation and has been with Ameriprise in various capacities since 2013. Outside of his advisory role, he is involved in tax preparation through his ownership of Silverman Neu, LLP, and serves as a director and accountant at Singer & Falk CPAs PC. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations.

Nicholas Panetta is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 66 designation and has previous experience at Charles Capilets, eBlockchain, Alt Trade, and Velocity Trading. Equitable Advisors serves a diverse range of clients, including individuals, high-net-worth investors, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing various program sponsors and endorsed third-party managers to deliver advisory and brokerage solutions.

Joseph Barbuto is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Victoria Padala is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. She has worked at Merrill and Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.