Nathan Mc Alister is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at New York Life Insurance Company and Eagle Strategies. Outside of financial services, he is involved in music production, producing music for various artists and entities. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes structured, collaborative planning engagements and offers specialized programs such as divorce planning and estate-settlement services.

Harold Williams is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his investment career with Merrill Lynch in 1983 and brings more than 40 years of experience with the firm to client relationships. His focus areas include suggesting strategies for investing, legacy and retirement income planning, and managing liabilities. Harold can recommend asset allocation strategies to help individuals, families, and business clients manage risks and preserve assets. Harold holds a bachelor's degree in economics from Brooklyn College and earned a master's degree in business administration with a concentration in finance from Adelphi University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He has been involved with advisory networks such as the Merrill Lynch Advisor Growth Network and the Merrill Lynch Black/African American Leadership Council. Outside of his professional work, Harold has a range of personal interests including baseball, basketball, football, golfing, hiking, music, photography, tennis, traveling, and spending time with his family.

Vidya Jaggernauth is a CFP® credentialed financial advisor with 27 years of industry experience, currently with J.P. Morgan Securities since 2012. She has been affiliated with JPMorgan Chase Bank, N.A. since 1989. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager selection, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and includes an ESG eligibility framework in its recommendations.

Tara Apelbaum is a financial advisor at Thrivent Investment Management with one year of industry experience. She holds the Series 66 designation and has prior work experience that includes roles at Thrivent Financial and community involvement with organizations such as the Hebrew Academy of the Five Towns and Rockaway and the Marion and Aaron Gural JCC Inc. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive planning without portfolio management for institutional clients.

Egidio Lepre is a financial advisor with Morgan Stanley in Garden City, NY, holding a Series 66 credential and seven years of industry experience. He has worked at multiple divisions within Morgan Stanley since 2018. Outside of his advisory role, he is president of Lucyrosegrande Corp., a speculation company he founded in 2017, though he is not actively involved in its management. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a broad range of advisory programs and financial planning services. The firm employs a structured planning process that incorporates firm‑approved tools and market models to assist clients in developing tailored financial strategies.

Joseph Breakstone is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Advisors and North Ridge Wealth Planning, where he serves as Operations Principal. Breakstone has been with Cetera since 2022. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers various portfolio management and retirement services using a multi-manager platform that includes affiliated and third-party managers, with more than $256 billion in assets under management.

Kieran Varga is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. Prior to joining UBS in 2022, he worked at Manhattan College and Tappan Zee High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management, offering a broad range of products and services supported by proprietary research and a global platform.

Boris Chiporukha is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked at Capital One Bank, N.A. for nine years. He is also the owner of WEST COURT GROUP LLC, an entity currently inactive but intended for property acquisition purposes. 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 and profit-sharing plans, corporations, and charitable organizations.

Gardi Gilles is a financial advisor with Primerica Advisors in Elmont, NY, holding a Series 63 designation and over 31 years of industry experience. Gilles has been with Primerica Financial Services and Primerica Advisors since 1994. Outside of advisory work, Gilles is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Andrew Cuffaro is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. Prior to his advisory career, he was employed at Modell's Sporting Goods and Farmingdale State College. 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 individual and institutional clients.

Kathryn Mc Lam is a financial advisor at Morgan Stanley based in Garden City, NY, holding a Series 66 designation with one year of industry experience. She joined Morgan Stanley in 2024 following her academic studies completed in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery processes and proprietary planning tools.

Joseph Clinard Jr. is a financial advisor at Cetera with 56 years of industry experience. He holds the Series 63 and Series 65 designations. His work history includes long-term roles at North Shore Capital Management Corp. and North Ridge Securities Corp., and he also serves as an advisor for North Ridge Wealth Planning LLC. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Francesco Caiazzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in creating goals-based financial plans that adapt to each client's life stage and priorities, focusing on areas such as retirement readiness, tax-efficient investing, education planning, and legacy strategies. Since joining Merrill in 2019, Francesco has dedicated his career to helping clients navigate the complexities of financial planning with a disciplined, planning-first approach. He holds a Bachelor's Degree from Molloy College and is a CERTIFIED FINANCIAL PLANNER (CFP) and Certified Private Wealth Advisor (CPWA). Francesco emphasizes clarity, confidence, and control in his tailored financial roadmaps, working closely with clients to achieve their long-term goals. Francesco resides in Garden City South and enjoys spending quality time with his family, watching sports, and traveling. He is pursuing a personal goal to visit every NFL stadium, combining commitment, flexibility, and enjoyment much like the financial plans he develops for his clients.

Chun Wong is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and over 21 years of industry experience. He has worked with METLIFE Securities Inc. and MassMutual Life Insurance Company prior to his current role. Outside of his advisory work, Wong serves as an Auxiliary Police Officer in Seaford, NY, and owns a gun store along with engaging in outside insurance activities. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative financial planning using advanced software tools and provides specialized planning programs including divorce and estate-settlement services.

Christofer Ferrugiari is a financial advisor with OSAIC in Melville, NY, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at Sii Jhfn for nine years before joining OSAIC in 2018. Outside of his advisory role, he works as an insurance broker specializing in life, annuities, long-term care, and disability insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization using risk-tolerance assessments and rebalancing tools, supported by a complex affiliate network and private-equity ownership.

Michael Adrian is a financial advisor with Cambridge Investment Research Advisors in Garden City, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Cambridge Investment Research since 2019 and previously at FSC Securities Corp from 2015 to 2019. Outside of his advisory role, he serves as Co-President of the Civic Association of West Birchwood Jericho and works as an independent insurance agent. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Erin O'Grady is a financial advisor at Merrill with 26 years of industry experience and holds a Series 63 designation. She has been with Merrill since 2010. Outside of her advisory role, she is involved part-time with Melaleuca, a company focused on consumer direct purchasing of environmentally safe products. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Vincent Sapienza is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Securities since 2012, following three years at Chase Investment Services Corp. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research supported by a centralized due diligence team and incorporates an ESG eligibility framework.

Sanchit Sharma is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. His prior roles include positions at Robinhood Markets, Inc., Masterworks, and M1 Finance. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and model portfolios for intermediary platforms.

W May is a Wealth Management Advisor at Merrill Lynch Wealth Management with over four decades of experience in the financial services industry. Leading a large team, W May specializes in creating customized financial strategies for high-net-worth individuals and their families. Their approach emphasizes simplicity and transparency, focusing on personalized wealth management that centers on the investor rather than market fluctuations. Key client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. W May holds a Bachelor's Degree from Providence College and a Master's Degree from Adelphi University. They carry the designation of Personal Investment Advisor (PIA). Outside of their professional work, W May is a dedicated runner who has completed 14 marathons and run over 100,000 miles. Residing in Matinecock, NY, they enjoy basketball, swimming, and spending time with family and friends. W May is also engaged in community activities related to the Leukemia & Lymphoma Society and Girls Youth Basketball.