James Dieguez is a financial advisor with Ameriprise in White Plains, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2022, he was a full-time student for 18 years. He is also involved in independent insurance brokering related to fixed annuities. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in investable assets, offering tailored recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines proprietary research, modeling techniques, and algorithmic tools to deliver these services through a centralized retirement-income consulting team.

Frances Heath is a financial advisor with UBS Financial Services and holds Series 63 and Series 65 credentials. She has 40 years of industry experience, including 25 years at UBS, where she has worked since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Robert Mosera is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Wells Fargo Clearing and Citigroup Global Markets. He has a 50% ownership interest in Hillcrest Capital Advisors Inc., an outside business activity unrelated to his brokerage work. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions with investment and fee-based financial planning services, offering a broad range of planning options that address cash flow, retirement, education, risk, wealth transfer, and specialized needs such as business-owner transition and divorce planning. Advisors use proprietary research and planning tools to develop tailored recommendations, with clients choosing how to implement them.

Thomas Riordan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors since 2023, following seven years at Wells Fargo Clearing and a year at Chase Investment Services Corp. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients having flexibility in how they implement recommendations.

Michael Beamon is a financial advisor with Primerica Advisors in Elmsford, NY, holding a Series 63 designation and bringing 16 years of industry experience. He has worked at Primerica Financial Services since 2006 and owns Michael Beamon Inc, an IT consulting business. Outside of his advisory work, he is involved in non-investment-related business activities including IT consulting. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of approximately 3,700 advisors, using model-driven strategies created by third-party asset managers and supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Gilda Borenstein is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management. She has been advising clients since 1990 and holds multiple professional designations, including the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) certifications. Gilda earned her Bachelor's degree from SUNY Stony Brook and is a member of professional organizations such as the Certified Financial Planners and Chartered Financial Analysts. Over her career spanning more than three decades, Gilda has developed expertise in providing individualized financial strategies to high net worth individuals, families, non-profit organizations, and small businesses. Her services include retirement and estate planning, education planning, lending solutions, asset allocation, and portfolio management, with a focus on values-based and socially responsible investing. Previously, she has held roles such as futures analyst, interbank currency broker, charter member and floor broker of the New York Futures Exchange, and bankruptcy analyst for a major hedge fund. Gilda is actively involved in the community, having been a Founder and First Chair of New York Youth at Risk, Inc., and engaging with organizations like The Breakthrough Foundation, Inc. She is married with children and enjoys interests such as antiquing, baseball, cooking, interior decorating, photography, spending time with family, traveling, and watching movies.

Devon Anderson is a financial advisor with Primerica Advisors, holding a Series 63 designation and 12 years of industry experience. He has worked with PFS Investments Inc. since 2012 and with Primerica Financial Services since 2006. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm employs a third-party due-diligence consultant for manager evaluation and delegates trading to BNY Mellon Advisors, operating with a tiered wrap-fee structure and curated third-party asset managers.

Dianne Corsbie is a CFP® with 32 years of experience in the financial services industry. She is currently with Cetera and has held prior roles at Broncor Financial Group and Avantax Advisory Services. In addition to her advisory work, she is involved in tax preparation and accounting services through Boncor Tax & Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

David Kaplan is a financial advisor with J.P. Morgan Securities in White Plains, NY, holding a Series 63 designation and 35 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and previously held positions at Bank of America, Merrill, and UBS Financial Services. Kaplan is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products and services in addition to investment advisory. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence and incorporates forward-looking capital market assumptions and an ESG eligibility framework.

Terrance Stevens is a financial consultant currently working at Fidelity Investments since 2023. He has built a career in the financial services industry with over 12 years of experience. Throughout his career, Terrance has held various roles, including Senior Premier Banker, Premier Banker, and Relationship Banker at Wells Fargo from 2015 to 2023, as well as Financial Service Representative at Hudson Valley Credit Union from 2013 to 2015. His professional expertise focuses on assisting clients in achieving their financial goals through a client-centered approach. Terrance is committed to providing service that aligns with clients' unique needs, offering guidance and resources to help them manage their financial journeys effectively. Outside of his professional pursuits, Terrance enjoys fitness and traveling.

John Natoli is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Advisors and HSBC Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screening and qualitative research to build model asset allocations, with offerings that include derivatives and commodities capabilities.

Augustine Donofrio is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience and has worked at several firms, including MassMutual Life Insurance Co. and Taxter Advisory. In addition to his advisory role, he is also licensed as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to clients' goals.

Derek Bailey is a financial advisor with LPL Financial based in Monroe, NY, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. His career includes roles at Sterling National Bank since 2017 and Key Investment Services LLC from 2013 to 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolios, utilizing both proprietary research and third-party subadvisors.

David Borer is a financial advisor at Merrill with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Merrill and Bank of America in 2025, he worked at Equitable Advisors from 2023 to 2025 and has experience in language education roles from 2013 to 2022. 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 serves individual, high-net-worth, and institutional clients, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Martin Mellman is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Osaic Wealth since 2023 and previously at Pleasant Valley Advisory and Royal Alliance Associates. Outside of advisory roles, he owns a CPA firm providing sales and administrative services. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm's investment approach uses model-based asset allocation, portfolio optimization, and a range of managed account strategies supported by risk tolerance and rebalancing tools.

Pauline Honecker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 22 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has prior experience with JPMorgan Chase Bank, N.A. from 2010 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their approach emphasizes non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

James Doctor is a financial advisor at Merrill in Saddle River, NJ, holding a Series 66 designation with one year of industry experience. He previously worked at Phone.com for eight years before joining Merrill and Bank of America in 2026. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sheldon Cazoe is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Primerica Advisors since 1993 and has over three decades of experience with Primerica Financial Services. In addition to advisory services, he is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and provides advisory services through a broad network of advisors across numerous offices.

Glenn Bianco is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. His prior experience includes 11 years at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors strategies based on each client’s Advisory Risk Profile, utilizing a mix of in-house and third-party managers.

Mark Casa is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and 19 years of industry experience. His prior roles include positions at LPL Enterprise, The Prudential Insurance Company of America, AXA Advisors, and RoundTable Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, fund advisory, and model portfolios, supporting both retail and institutional investors.