Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and HSBC Bank USA, N.A. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by model portfolios, research, and various investment management options.

Angela Celso Mc Gurk is a financial advisor with Ameriprise in Katonah, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory work, she serves as Treasurer on the Board of Directors for the Northern Westchester Chapter of the National Charity League. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Edward Byrne is a Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. His expertise encompasses bond trading, financial market analysis, and comprehensive wealth management strategies tailored for individuals and families. Edward's global experience includes a five-year period in Japan specializing in bond trading, providing him with a unique perspective on investment strategy, risk management, and market dynamics. He holds FINRA Series 7, 9, 10, 63, and 66 registrations and the Chartered Retirement Planning Counselor (CRPC) designation, supporting his commitment to delivering disciplined planning and informed decision-making to his clients. Edward focuses on building, preserving, and transitioning wealth through personalized service backed by his extensive fixed-income market knowledge. A lifelong resident of New Jersey, Edward lives in Bergen County with his family. He is involved in his community through support of organizations such as the Friends Of The County Animal Shelter (FOCAS) in Hasbrouck Heights, NJ. Outside of work, Edward enjoys football, genealogy, music, softball, swimming, and traveling.

Ricardo Urena Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2014 and also maintains a long-term affiliation with Jpmorgan Chase Bank, N.A. since 2013. Additionally, he has been involved with SUNY Westchester since 2006. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager selection, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kathryn Palao is a CFP® with 19 years of industry experience, currently serving at Cetera. She has held roles at Cetera Wealth Services, LLC and Hudson Financial Services since 2006. Outside of advisory work, she serves as a board member for the Briarcliff Manor Chamber of Commerce, where she assists with event planning and marketing. Cetera Investment Advisers LLC is a large, SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a network of independent advisors. The firm offers various portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement a range of investment strategies and program options.

Nicole Lyding is a financial advisor with Cetera, holding a Series 63 designation and eight years of industry experience. She has worked at Cetera since 2019 and was previously with Foresters Financial from 2017 to 2019. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and serves over 10,000 advisors and approximately 800,000 clients nationwide.

Angela Fitzgibbon is a financial advisor with Ameriprise, holding a Series 63 designation and 34 years of industry experience. She has been with Ameriprise in various capacities since 1991. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing advice focused on retirement income planning, using in-house research and third-party data to support clients approaching or in retirement.

Daniel Martin is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2016. Prior to that, he worked at Gitterman Wealth Management and Triad Advisors. In addition to his advisory role, Martin is an independent insurance agent for various companies through his business, D.R. Martin and Associates. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and multiple custody platform arrangements.

Danny Dadamo is a financial advisor with Cetera, holding a Series 63 designation and over 27 years of industry experience. His career includes roles at American National Life and Ameritas, among others. In addition to his advisory work, Dadamo operates a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options, financial planning, and consulting services.

Tony Antinori is a Planning Consultant at Fidelity Investments, a position he has held since 2015. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2013 to 2015 and briefly as a Financial Representative at JP Turner & Company in 2013. Before transitioning into financial advising, Tony had a 40-year career in the construction industry. He decided to change his professional path to focus on financial planning, which he describes as his passion. He enjoys assisting clients in developing and implementing investment strategies for their futures and intends to continue in this role as long as he finds it fulfilling. Tony is married and has five grown children and nineteen grandchildren. His personal interests include cooking and baking, gardening, and parenthood.

Patrick Harding is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. He has worked in various capacities within Wells Fargo entities since 2009. Harding also owns Harding Wealth Management LLC, a financial planning practice based in Warwick, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Robert Servidio is a financial advisor with Morgan Stanley in Fort Myers, FL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes 15 years at Citigroup Global Markets before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.

William Norkin is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding a Series 63 license and 29 years of industry experience. He previously worked at Metlife Securities Inc. for 22 years before joining Mass Mutual in 2016. Outside of his advisory role, Norkin is the vice president and owner of Noreteile Products, Inc., which provides various insurance products, and he also works as an independent insurance agent. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides structured, collaborative planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Michael Zawadiwskyi is a CFP® professional with 17 years of industry experience, currently affiliated with LPL Financial. His prior roles include seven years at Next Financial Group and four years at AXA Advisors, LLC. Outside of his advisory work, he is involved in a family-run real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs alongside retirement plan consulting and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Daniel Jackson currently serves as Vice President and Branch Leader at Fidelity Investments, a position he has held since 2006. In this role, he is responsible for all facets of the branch, with a primary focus on developing associates to deliver a collaborative financial planning experience to clients. He has been leading financial professionals for over 20 years, emphasizing the development of others to help them reach their full potential. Prior to his current role, Daniel was Branch Manager at E*TRADE from 2005 to 2006 and Assistant Vice President, Group Manager at T. Rowe Price from 1998 to 2005. His career reflects extensive experience in leadership positions within the financial services industry. Outside of his professional work, Daniel's personal interests include fitness, military service, movies, softball, and traveling.

Taisha Yunez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Steven Bellon is a CFP® professional with 35 years of experience, currently serving at Mass Mutual Investors Services and MassMutual Life Insurance Company since 2012. He holds Series 63 and Series 66 licenses and is based in Tarrytown, NY. Outside of his advisory work, he serves as a board member for the Ryan Ashford Memorial, a nonprofit focused on mental health programs for teens and young adults. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative financial planning engagements and provides a range of specialized planning programs and educational seminars.

Evan Maroney is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Stephens and Worden Capital, as well as experience outside the financial sector at Zachy's Wine and Liquor. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jeffrey Wilson is a CFP® with 20 years of industry experience, currently working at LPL Financial since 2025. He previously held advisory roles at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. Outside of his advisory work, Wilson serves as a board member of the Ridgewood Symphony Orchestra, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and technology-driven portfolio management.

Jack Hallak is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Morgan Stanley, and Bank of America. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, with a platform that integrates adviser programs alongside insurance products and lending services.