David Rudolf is a financial advisor at Osaic with over 34 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at Phoenix Mutual Life Insurance Co since 1989. Outside of his advisory role, he is president of Rudolf Associates Inc, a company that sells group benefits, Medicare plans, and various types of insurance, and owns a blue stone quarry on forestry property where lumber is sold periodically. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct diversified portfolios tailored to client risk tolerance.

Victor Cannistra is the sole advisor at Cannistra Financial Advisors Inc. in Mount Kisco, NY, holding a Series 65 credential with four years of industry experience. He has operated Victor J. Cannistra, CPA PC since 2002, serving as president and managing operations for his certified public accounting firm. Cannistra Financial Advisors Inc. provides portfolio management and financial planning services primarily to individual investors and corporate clients. The firm operates as a solo independent adviser, typically managing client relationships on a non-discretionary basis and coordinating investment advice with affiliated accounting services to integrate tax and financial planning.

Michael Carminucci is a financial advisor with LPL Financial in Croton Falls, NY, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has operated Carminucci Wealth Management since 2006 and has been affiliated with LPL Financial and its predecessor since 1998. Carminucci is also the author of the book *Gold Plated Retirement, Putting the Gold in the Golden Years* and is involved in a motor vehicle sales and customization business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house Research team and accommodates customized advisory arrangements through a large network of investment adviser representatives.

Sunho Lee is a financial advisor at Salem Asset Management with 20 years of industry experience. He has been with Salem Asset Management since 2004. Lee holds a Series 63 designation. Salem Asset Management provides discretionary portfolio management services to individual clients, managing approximately $3.7 million in regulatory assets across four client relationships. The firm maintains a small client base, allowing for direct work with a limited number of households and exercises investment discretion with formal policies outlined in its regulatory filings.

William Peattie is the principal advisor at Peattie Capital Management in Stamford, CT, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has led Peattie Capital Management since 2007. The firm provides portfolio management and advisory services to a select group of high-net-worth clients, managing approximately $39 million across about 20 relationships. Peattie Capital Management emphasizes personalized portfolio construction and active management, and it maintains a distinctive practice of issuing periodic newsletters to its clients.

Frederick Lake is a financial advisor at Crito Capital Advisers LLC with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Lake Partners, Inc. for over 30 years, along with roles at F/M Investments, LLC and Narrative Alpha. In addition to advising, Lake operates as a sole proprietor providing financial writing and communications services for financial firms. Crito Capital Advisers LLC is a supported firm with a small team of four advisors.

Lisa Snyderman is a financial advisor with Crito Capital Advisers LLC, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has worked at multiple firms including UBS Financial Services, Robus Capital Partners, and Vision Investment Advisors. In addition to her advisory role, she operates Lisa M. Snyderman, LLC, a compliance consulting firm providing customized services and outsourced chief compliance officer functions. Crito Capital Advisers LLC is a small firm employing four advisors.

Theodore Gillman is a CFA® charterholder with 26 years of industry experience. He has worked at Crito Capital LLC since 2012 and had a previous role at FA Asset Management Inc. in 2003-2004. He holds several leadership positions across related investment firms in the UK and Portugal, including CEO and managing principal roles. Crito Capital Advisers LLC is a Connecticut-registered investment adviser with a small team of four advisors, focusing on providing supported advisory services.