Andrea Rothberg is a financial advisor with UBS Financial Services in New Rochelle, NY, holding a Series 66 designation and having 17 years of industry experience. She has been with UBS since 1989. Outside of her advisory work, Rothberg is involved in guiding decision-making activities at the Pelham Jewish Center, focusing on synagogue management and community programming. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of products and services including portfolio management, financial planning, and capital markets solutions.

Victor Melendez is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate since 2016. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual written recommendation reports, utilizing algorithmic automation overseen by a dedicated retirement income team.

Michael Dasilva is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2011. Outside of his advisory role, he is the owner and office manager of ESA Technology Solutions, a company that installs and supplies technology solutions in New Jersey. He has also served on the boards of sports officiating organizations in Pennsylvania and New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Michael Imbarrato is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and was an Investment Adviser Representative with Cetera Investment Services, LLC from 2019 to 2023. Michael specializes in helping clients develop clear, personalized financial strategies tailored to their individual goals and circumstances. His approach involves understanding both the numerical aspects and the personal context behind each client's financial situation, enabling him to design investment plans that evolve alongside their lives. Michael's professional experience spans retirement preparation and financial decision-making support for clients balancing work, life, and finances. Outside of his professional work, Michael has interests in baseball, cooking and baking, exploring culinary experiences, music, outdoor adventures, and traveling.

Lauren Cooney is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Prior to joining Fidelity, she held positions at Charter Communications Spectrum and Lafayette College Gateway Career Center. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and employs systematic methodologies in portfolio construction.

Kimberly Bucello is a financial advisor with Morgan Stanley in Ramsey, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Steven Paramo is a Financial Consultant currently with Fidelity Investments, a position he has held since 2020. He works closely with clients to build and maintain financial plans tailored to their unique situations, acting as their advocate to identify strategies that improve their financial outlook. Steven emphasizes open communication with clients and their families as goals evolve over time. Prior to his current role, Steven gained experience as an Associate Financial Consultant at Charles Schwab from 2017 to 2020 and as a Financial Planner at Ayco, a Goldman Sachs Company, from 2013 to 2017. He holds a California Insurance License. Outside of his professional work, Steven has personal interests that include food, hiking, visiting museums, outdoor adventures, snowboarding, and traveling.

Don Mathieson is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Outside of advising, he is involved in providing group health insurance, long-term care insurance, and life insurance renewals through a separate business activity. Cetera is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs, operating a multi-manager platform that supports various discretionary and non-discretionary strategies.

Scott Fletcher is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1987. Outside of his advisory work, he has been an owner of an inactive budget counseling business in River Edge, NJ since 2003. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating with a tiered wrap-fee structure.

Lawrence Katz is a financial advisor with LPL Financial, holding a Series 63 designation and 40 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1995 and Financial Network Advisory Corp. since 1993. Katz also spends a small portion of his time involved in non-variable insurance and long-term care products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Mark Carruthers is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has been affiliated with Cetera and Cetera Financial Specialists LLC since 2005 and has operated Hudson Valley Financial Services since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Tomomi Trudell is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 66 and Series 63 credentials and has worked with J.P. Morgan Securities since 2012 and J.P. Morgan Chase Bank, N.A. since 2009. 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 applying an ESG eligibility framework in its investment process.

Roxanne Calabrese is a financial advisor at OSAIC with 18 years of industry experience. She holds the Series 66 designation and has previously worked at Merrill and Woodbury Financial Services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Randall Brewster is a financial advisor at Ameriprise with 19 years of industry experience. He previously worked at UBS Financial Services for 11 years before joining Ameriprise Financial Services in 2017. Outside of his advisory role, Brewster serves as a softball commissioner for The Mahwah Youth Sports Boosters, where he develops teams, rosters, and programs. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendation reports through a centralized consulting team.

Mary Dunne is a financial advisor with LPL Financial in Pearl River, NY, holding a Series 63 designation and over 42 years of industry experience. She has been with LPL Financial, formerly Linsco/Private Ledger Corp., for 30 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Matthew Sadowsky is a financial advisor at Charles Schwab with 15 years of industry experience and a Series 66 designation. He previously worked at TD Ameritrade from 2006 to 2024 before joining Schwab in 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary advisory services and access to discretionary separatley managed accounts, supported by a multi-asset investment approach and centralized operational structure.

George Mitchell Jr. is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with MassMutual Investors Services and previously worked for The Windmill Group, Inc. He also maintains an outside insurance brokerage focused on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative annual planning relationships and a range of event-driven planning services.

Alexander Guiliano is a financial advisor at LPL Financial with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Guiliano operates through Resonate Wealth Partners, LLC, a business associated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services supported by research, model portfolios, and various management options.

Thomas Janovic is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. His prior roles include positions at Tfs Securities Inc and Professional Financial Services. In addition to his advisory work, he is an independent insurance agent specializing in the sale of life insurance and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and collaborative planning approaches to develop tailored recommendations across various investment strategies.

Maria Hamada is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Bank and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.