Patrick Byrne Jr. is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 33 years of industry experience. He has been associated with Cetera and its related entities since 2013 and has also worked with Maximus Financial Services since 2002. Outside of financial advisory, he serves as president of the Smithtown/Brookhaven Civic Association and hosts a weekly public access television program discussing local civic issues. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with both affiliated and third-party investment solutions.

Steven Vitale is a financial advisor with Stifel, holding the CFP® and CFA® designations and bringing 30 years of industry experience. He worked at UBS Financial Services Inc from 2008 to 2020 before joining Stifel Nicolaus & Co Inc in 2020. Outside of his advisory work, he serves as president of several LLCs managing rental properties. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment strategy uses proprietary forward-looking capital market models developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Timothy Grosso is a financial advisor at Equitable Advisors with four years of industry experience. He holds a Series 66 designation. Prior to joining Equitable Advisors in 2022, he worked at Pro Quality Home Improvements and has experience in education and retail. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, 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 third-party managers to deliver advisory and brokerage solutions.

Dervinder Singh is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. In addition to his advisory role, he operates a law practice under DERVINDER SINGH, ESQ PLLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Maria Morhous is a financial advisor at Stifel with 32 years of industry experience. She has held Series 63 and Series 66 designations and previously worked at First Empire Securities, Inc. for 21 years before joining Stifel in 2019. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Daniel Liff is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market modeling techniques.

Jonathan Rekedal is a Series 66-credentialed financial advisor with Osaic and Steadwise Advisors, starting his advisory career in 2025. He has been involved with the Community Synagogue of Rye since 2016. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms. The firm provides integrated brokerage and investment advisory services, utilizing tools like asset-allocation models, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across various asset classes.

Kristine Sabatino is a financial advisor with Merrill in Melville, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has been with Merrill since 2012. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Steve Shepherd is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior work includes roles at Tompkins Trust Company and LPL Financial. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, emphasizing managed accounts and algorithmic support within its advisory process.

Ryan Mcdermott is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has prior experience with JPMorgan Chase Bank, NA, and Janney Montgomery Scott. 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services through a non-discretionary program supported by an in-house manager solutions team and centralized due-diligence framework.

Maria Zoll is a financial advisor with LPL Financial holding a Series 66 credential and six years of industry experience. Her prior roles include positions at Royal Alliance, Equitable Advisors, Axa Advisors, Computer Associates/Broadcom, and Deloitte & Touche. Outside of her advisory work, she is involved in tax preparation and accounting through her own business, Maria Zoll Tax & Advisory Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including high-net-worth individuals, retirement plans, and charitable organizations. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Stephanie Caen is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2021. Prior to that, she spent nine years at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. 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.

Erik Stevens is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Raymond James, he worked at Citigroup for eight years. He is also involved with Hendel Wealth Management Group as a financial advisor serving existing clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through unique affiliations.

Christopher Mirandi is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and bringing nine years of industry experience. He has been with Ameriprise since 2016, working across both the LLC and Inc. entities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, which provides tailored retirement income planning through written reports and ongoing advice that emphasize dependable income sources and tax-aware withdrawal strategies.

Frances Beiro serves as a Resident Director and Wealth Management Advisor at Merrill, where she has contributed since 2014. She is a partner in The Callahan Pascua Group and specializes in developing comprehensive wealth management strategies for individuals, families, and businesses. Her client focus includes college education planning, family wealth management, institutional investment consulting, liquidity management, retirement planning, tax minimization, and addressing the unique needs of women and clients in sports and entertainment. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, awarded in partnership with the Investments & Wealth Institute™ and The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned a Bachelor of Arts degree in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology, from San Diego State University, and a Master of Business Administration from Alliant International University. She is fluent in Filipino and English and participates actively in professional organizations, serving as the National Chair of the Investments & Wealth Institute™ Conference Committee beginning in 2024. Frances also holds leadership roles with the Merrill Women's Exchange in San Diego, including President for 2024-2025, and is a member of the La Jolla Woman's Club. Outside of work, her interests include music, scrapbooking, tennis, traveling, writing, yoga, and spending time with her family.

Steven Schmidt is a financial advisor at Osaic Wealth, Inc. with 38 years of industry experience. He holds a Series 63 designation and previously worked for American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in insurance sales, including variable universal life, disability income, long-term care, and fixed annuities. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using diverse investment vehicles and third-party money managers.

Sergio Russell Diaz is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Louis Cannataro, Northwestern Mutual Investment Services, Neuberger Berman, and Ameriprise Financial. Outside of his advisory role, Diaz owns and operates an art sales business and manages several real estate-related ventures. 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 plans, corporations, and charitable organizations.

Vincent Smith is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, he held various roles including positions at Strategic Advisers LLC and Distinctive Consulting LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including management of model portfolios using proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as advisor to multiple registered investment companies and employs systematic methodologies with oversight controls to address conflicts of interest.

Andrew Mullane is a CFP® certified financial advisor with 18 years of industry experience. He is currently with Cetera and has previously worked at Sterne Agee Investment Advisor Services and Wrp Investments. Mullane is also vice president of Omnia Financial, LLC, a firm focused on branding, marketing, and website services. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Charles G Healy Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2018, following prior roles at Scottrade Investment Management and Scottrade. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers services on a non-discretionary basis, applying an ESG eligibility framework and recommending internally approved funds and strategies.