Edmund Delorenzo is a CFP® with 28 years of industry experience, currently affiliated with Cetera since 2005. He has held roles at McGoff, Collins & Delorenzo CPAs since 1998, providing tax, accounting, and forensic investigative services. Outside of advisory work, he is involved in forensic accounting consulting and also holds an insurance agent license, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC operates as a nationwide multi-manager platform serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of over 10,000 advisors and approximately 800,000 clients.

Elisha Clinton is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, following roles at City Bay Capital, Hiltzik Strategies, and NBCUniversal. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its financial planning process.

Thomas Lopez is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and has previously worked at Cambridge Investment Research Advisors and American Portfolios Financial Services, Inc. Outside of his advisory work, he is also an independent insurance agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services supported by multiple platforms, using asset-allocation tools and third-party money managers to manage portfolios across various asset classes.

Stephen Malfitano is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, he serves as President of the Lodge Condominium Home Owners Association and is a board member of Berlanti Realty Corporation, a family-owned real estate company. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As part of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management functions.

Patrick Doherty is Vice President and Financial Consultant at Fidelity Investments, where he has served since 2016. In this role, he collaborates with clients to develop customized wealth plans aimed at achieving their financial goals. He provides ongoing communication and support to adjust financial strategies as clients' needs evolve. Patrick has been with Fidelity Investments since 2008, progressing through various positions including Financial Consultant, Account Executive, and Investor Center Financial Representative. His experience spans client service, investment representation, and financial consulting. Outside of his professional responsibilities, Patrick has interests in baseball and soccer.

Jaime Goodman is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in wealth management. She works closely with individuals, families, and business owners to develop customized strategies designed to support long-term financial goals across various market environments. Jaime focuses on providing tax-sensitive investment guidance aimed at wealth preservation and growth for high-net-worth individuals and multi-generational families. Jaime is a graduate of the University of Pennsylvania and joined Merrill Lynch in 1992. She holds several professional designations including Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jaime specializes in investment and asset management, retirement planning, home financing solutions, life insurance and long-term care planning, education and estate planning, and liability strategies for business owners. She is actively involved in educating clients, including hosting seminars aimed at empowering women on achieving financial independence, and she serves as a Certified Divorce Financial Analyst supporting women through marital status transitions. Jaime is a member of professional organizations such as Impact 100 Westchester and the Institute of Certified Divorce Financial Analysts. She participates in community involvement initiatives including Impact 100.

Megan Mc Gurk is a financial advisor at Morgan Stanley with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including WisdomTree Asset Management, Foreside Fund Services, and SEI Investments Company. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Katharine Bolick is a financial advisor at Morgan Stanley with Series 65 and Series 63 designations and less than one year of industry experience. Her prior work includes roles at Gould Killian CPA and the Triangle Sports Commission. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Benjamin Getchell is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2016. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside firm-approved methodologies to support its clients’ financial goals.

Max Klein is a financial advisor at Morgan Stanley with 11 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including personalized financial planning supported by structured discovery and firm-approved tools.

Janice Mercado Ponce is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing four years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021 and previously worked at Jos A Bank for eight years. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Timothy Loeffler is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 66 designations and having 10 years of industry experience. His prior experience includes roles at MetLife Securities Inc. from 2015 to 2017. Outside of advising, he operates as an independent insurance agent focusing on life, fixed annuities, disability, long-term care, health, and property/casualty insurance, and he is a partner in a limited liability company that manages business expenses related to his insurance and investment activities. 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 ongoing financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Wendy Holmes is a financial advisor with UBS Financial Services in Armonk, NY, holding Series 63, 65, and 66 credentials and bringing 23 years of industry experience. She has been with UBS since 2015. Outside of her advisory work, she serves on the Board of Directors for East Side House Settlement and participates in advisory roles with the Breast Cancer Research Foundation and the American Heart Association, where she also contributes to the investment committee of the national endowment. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management and proprietary research to tailor client solutions.

Colter Hettich is a financial advisor at Edward Jones in Rye Brook, NY, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Imprint Branded Content, LLC for six years and held positions at amNewYork and Edhesive. 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 through a nationwide network of more than 23,700 financial advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Kouroupakis is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, primarily with MassMutual and its affiliates since 2021. Outside of advisory work, he is also an independent insurance agent focused on life insurance, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services 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 seminars, structuring planning engagements as annual, collaborative relationships without discretionary authority over client investments.

Nicholas Ingram is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. He has worked at J.P. Morgan and Citi-affiliated firms, including Citi Private Alternatives, LLC. J.P. Morgan Securities LLC 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 recommendations.

Matthew Genovese is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Morgan Stanley since 2020 and previously worked at Maxim Group. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, supporting clients in developing tailored financial strategies.

Ryan Coombes is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Pruco Securities LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and Corporate Financial Planning agreements.

Americo Lisboano is the Senior Resident Director at Merrill, leading the Montvale, New Jersey office. He has been with Merrill since 1996 and brings extensive experience in wealth management, serving High Net-Worth investors with complex financial situations. Americo is committed to providing clients with sound financial advice, premier service, and extensive resources to help them achieve their financial goals. He manages discretionary portfolios through personalized or defined strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Americo holds the Chartered Retirement Planning Counselor™ designation, along with other professional certifications including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He assists clients in developing strategies to manage their personal and business assets and liabilities, considering their goals, time horizons, and risk tolerances. A graduate of Rutgers University, Americo has been active in the financial services industry since 1992. In addition to his professional work, Americo is involved in the community as a board member of the Bergen County United Way. He also has language proficiency in Portuguese and English.

Anthony Mastronicola is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has spent over three decades at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. In addition to his advisory role, Mastronicola sells home and auto insurance through several property and casualty insurance providers. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional investors. The firm offers financial planning, advisory services, model portfolios, third-party asset management, and access to brokerage and insurance products through its integrated platform.