Alexander Pugatch is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 designations and has 17 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he serves on the finance committees of the Armonk Baseball League and The Herb Cohen Memorial Fund and is managing member of ASP Ventures LLC, an equity investments and loans business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and broad investment offerings.

Matthew Sullivan is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 credentials and possessing 19 years of industry experience. His career includes roles at MassMutual Life Insurance Company since 2016 and METLIFE Securities Inc from 2006 to 2017. He is also engaged in an outside insurance business involving life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as annual collaborations that provide detailed analyses and written recommendations without discretionary authority.

Michael St. Hilaire is a financial advisor with Morgan Stanley, holding the CFP® designation and Series 63 and 66 licenses. He has 25 years of industry experience, including roles at Citigroup from 2016 to 2023 and Morgan Stanley Private Bank and Smith Barney since 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and comprehensive asset management.

Mark Marotta is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and nonprofit organizations, offering financial planning, investment consulting, and institutional fiduciary services with a variety of portfolio management styles and affiliated research.

Kurt Walters Sr. is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Gregory Fisk is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2009. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and modeling techniques but does not include individual security recommendations as part of the standalone planning service.

Lilibeth Miranda is a financial advisor with Raymond James Financial and holds a Series 63 designation. She has seven years of industry experience, including eight years at Ameriprise Financial Services, LLC, and a prior 20-year tenure at Cuny Hunter College. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Steven Samori is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and six years of industry experience. Prior to joining LPL Financial in 2025, he worked for David Lerner Associates for five years and has held various other roles including positions at Tesla and Manhattan College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by extensive research and investment options.

Pascale Hainline is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, and First Republic Investment Management. Outside of her advisory role, Hainline serves as Chair of the Governance Committee at New York Edge, an organization providing educational after-school programs for low-income neighborhoods, and is an advisory board member for the Sports and Arts in Schools Foundation. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Hiral Shah is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. Shah has held roles at JPMorgan Chase Bank, N.A. since 2012 and has been with J.P. Morgan Securities since 2009. Outside of advisory work, Shah is the owner of a technology company, Swanston Labs, LLC, and serves as a board member for the Boys & Girls Club of Northern Westchester. 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 an ESG eligibility framework to guide fund and strategy recommendations.

Michael Di Giaimo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including NYLIFE Securities LLC, Eagle Strategies LLC, and Mass Mutual Life Insurance Company. 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 an ESG eligibility framework. The firm focuses on non-discretionary services delivered by a select group of Wealth Advisors.

Brian Kopilak is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 21 years of industry experience. He has worked with PFS Investments Inc. since 2004 and Primerica Financial Services since 2003. Outside of advisory work, he is involved in affiliated business activities including sales of loan products and home-related services through Primerica Mortgage, LLC and Primerica Client Services, Inc. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a tiered wrap-fee structure.

Martin Massy is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. Massy worked at UBS Financial Services for 20 years before joining Morgan Stanley Smith Barney LLC in 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools combined with market modeling techniques to support its advisory services.

Brian Kauffman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked in various roles across multiple companies, including Dandy Foods and TruGreen, before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and a range of investment services supported by firm-approved planning tools and research methodologies.

Lee Sperling is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and 14 years of industry experience. He has worked at Morgan Stanley since 2011 in various capacities, including Morgan Stanley Private Bank, and previously held roles at J.P. Morgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he is the sole proprietor of Newland St. Mark LLC, a real estate business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved planning tools.

Deborah Pace is a financial advisor at Merrill with 41 years of industry experience. She held prior roles at Morgan Stanley Smith Barney before joining Merrill in 2017. She is a Series 63 and Series 65 license holder. Outside of her advisory work, Deborah is a limited partner in Woodpecker Media, a for-profit LLC focused on children’s book projects. 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 investment strategies for individuals, high-net-worth clients, and institutions, utilizing internal and third-party management teams.

Deborah Ayling is a financial advisor at Fidelity with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2014 to 2022 before joining Fidelity. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles with registered investment companies, use of systematic methodologies, and integration of AI in its investment process.

Michael Chandiramani is a financial advisor at UBS Financial Services with 13 years of industry experience. He has worked at UBS since 2012 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research and capital markets solutions.

Pascal Murphy is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Murphy serves on the board of Bear Brook Village in Wood Ridge, NJ, in addition to managing his own financial advisory practice through GREP Holdings LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering tailored written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and provides a broad range of investment, brokerage, and insurance solutions.

Elia Durso is a CFP® professional with 41 years of industry experience, currently affiliated with Osaic Wealth, Inc. since 2023. Previously, Durso worked at FSC Securities Corporation for 14 years. In addition to advisory work, Durso operates a seasonal personal income tax preparation business serving approximately 140 clients. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm employs a variety of advisory platforms and asset-allocation tools, offering integrated brokerage and investment advisory services with access to third-party money managers and wrap programs.