James Capitanello is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at OSAIC since 2023. Prior to this, he was with Sagepoint Financial, Inc. and Capacity Benefits & Financial Services Group, LLC for extended periods. Capitanello is also the owner and president of JimCap Consulting, LLC, which receives commissions from life, disability, and long-term care insurance carriers. OSAIC serves a diverse group of retail and institutional clients, including individuals, pension plans, corporations, and charitable organizations, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing in portfolio construction, and supports both discretionary and non-discretionary management accounts with access to third-party money managers.

Ronald Price is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations. He emphasizes educating clients by making complex financial concepts simple and easy to understand, aiming to develop strong relationships based on confidence and trust. Prior to joining Fidelity Investments, Mr. Price served as Branch Manager at E*TRADE from 2014 to 2023 and as a Financial Consultant at E*TRADE from 2010 to 2014. His experience spans over a decade in financial services, focusing on comprehensive financial planning and client relationship management. Outside of his professional career, Ronald Price enjoys golf, hiking, snowboarding, surfing, and traveling.

Kevin Rotolo is a CFP® with four years of industry experience, currently affiliated with Wells Fargo Clearing since 2022. His prior experience includes a role at Valley National Bank and attendance at West Virginia University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Evelyn Aguila is a financial advisor with Primerica Advisors in Orangeburg, NY, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Primerica Advisors since 1984 and Primerica Financial Services since 1991. In addition to her advisory role, she is involved in the sale of home security and automation products, as well as loan products, through affiliated Primerica companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and a limited selection of separately managed accounts. The firm uses third-party asset managers overseen by an independent consultant and implements models via BNY Mellon Advisors, offering a tiered wrap-fee structure and maintaining authority over model selection.

Atul Shah is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and has 40 years of industry experience. His career includes over four decades with Prudential Insurance Company of America and Pruco Securities, LLC. Shah has involvement in various property and casualty insurance brokerage activities across multiple firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model portfolios, third-party asset management, and a broad range of investment and insurance products through its integrated platform.

Roy Mastrangelo is a financial advisor at Osaic with 38 years of industry experience. He holds a Series 63 designation and has previously worked at LPL Financial, Royal Alliance, Wells Fargo Clearing, and Wells Fargo Advisors. In addition to his advisory role, he is an agent involved with Garden State Capital Investments, LLC, focusing on the sale of insurance products. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various portfolio construction tools and provides access to third-party money managers and managed accounts.

Susy Chang is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. She has 33 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1991. In addition to her advisory work, she is an independent insurance agent specializing in life, accident, health, Medicare-related products, and property and casualty insurance. Mass Mutual Investors Services, LLC 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 services using firm-approved software and structured annual planning engagements.

Scott Whisten is a financial advisor at Edward Jones with four years of industry experience. He holds the Series 66 designation and previously worked at Allianz Global Investors U.S. LLC for 16 years before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Christopher Del Campo is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank, N.A. since 2007. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis.

Todd Vander Veer is a CFP®-credentialed financial advisor with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Washington Mutual. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with affiliated brokerage and investment management capabilities.

Michael Di Lorenzo is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Royal Alliance Associates and LPL Financial. He is also involved in the sale of fixed insurance products through a sole proprietorship. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a network of affiliated advisers and multiple platforms. The firm utilizes firm-provided asset-allocation tools and third-party services to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Eric Piesnikowski is currently a Vice President and Financial Consultant at Fidelity, a role he has held since 2011. He works with clients to help them achieve their financial goals. Prior to this position, he was an Investment Representative at Fidelity from 2010 to 2011. Earlier in his career, Eric served as a Financial Advisor at John Hancock from 2008 to 2010. Eric holds the Certified Financial Planner (CFP4) designation. His professional background includes extensive experience in financial consulting and investment representation. No additional information about his education, personal interests, or community involvement was provided.

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.

Kenneth Growney is a ChFC® with 38 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a board member of the Adphi Fraternity and chairs the audit committee of the Cornwall Yacht Club. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software for goal analysis and offers a range of programs including asset management and educational seminars.

John Ginn is the Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, initially serving as an Investment Consultant before advancing to his current role in 2016. In this capacity, he is dedicated to enhancing the financial well-being of his clients. His professional background spans the private, public, and non-profit sectors, including experience as a US Equity Sales Trader at Citi from 2008 to 2012 and service as a Captain in the United States Marine Corps from 1998 to 2007. This diverse experience informs his approach to understanding the varied needs of his clients and providing guidance on navigating financial events. John emphasizes building trust with his clients and their families to offer direction for both planned and unexpected life circumstances.

Martin Diamond is a CFP®-certified financial advisor with 41 years of industry experience. He has worked at Raymond James & Associates since 2020 and previously spent 12 years at UBS Financial Services Inc. Outside of his advisory role, he serves as a trustee for a family investment-related trust. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, and municipal clients, offering tailored financial plans and institutional fiduciary solutions.

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.

Robert Suchocki is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he mentors young entrepreneurs through the Institute for Entrepreneurial Leadership and is involved in maintenance activities at a local deli. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large team of advisors and uses research-driven, diversification-based investment approaches.

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.