David Amato is a financial advisor with Cetera Investment Services LLC, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and various other financial firms. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm provides diverse investment solutions through a multi-manager platform that features discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Andrew Grayson is a financial advisor at Fidelity with 21 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator while advising multiple registered investment companies.

Bill Jones is Vice President and Financial Consultant at Fidelity Investments. In this role, he works closely with clients to develop personalized financial plans tailored to their individual and family needs, regularly reviewing these plans to ensure alignment with their evolving priorities. He collaborates with a team of wealth planning specialists to provide comprehensive support throughout the financial planning process. Bill joined Fidelity Investments in 2013 and has held several positions within the company, including Financial Representative, Investment Solutions Representative, Retirement Solutions Representative, Workplace Planning Consultant, Investment Consultant, and Financial Consultant before assuming his current role in 2024. His experience spans various areas of financial advising, including investment consulting and retirement solutions. Outside of his professional responsibilities, Bill enjoys golf, reading, skiing, and traveling.

Anthony Chuck is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked for Morgan Stanley Private Bank, National Association, where he spent 10 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Matthew Libien is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Citigroup Global Markets from 2002 to 2009. Outside of his advisory role, he serves as treasurer for The Actors Temple/Congregation Ezrath Israel and The Tenafly Foundation, where he is involved in financial oversight and fundraising activities. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options, offering both brokerage and advisory solutions.

Michael Levine is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Oppenheimerfunds for 24 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alfred Tolli is a Series 66-credentialed financial advisor with 16 years of industry experience. He is currently affiliated with LPL Enterprise and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Merrill. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities. The firm’s approach emphasizes model-driven investment implementation using portfolios developed by LPL’s Research Department and third-party strategists, along with access to various financial planning and insurance-related services.

Sunhee Lee is a financial advisor with LPL Financial in Englewood, NJ, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. Prior to joining LPL Financial in 2017, Lee worked for Axa Advisors, LLC for 12 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and a broad network of over 22,800 investment adviser representatives.

Christopher Cameron is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and affiliated entities since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to offer customized asset allocation advice and investment manager searches, with clients retaining final decision-making authority.

Timothy Nervegna is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 31 years of industry experience. He has been with Cetera since 2023 and also maintains advisory roles with Debany Financial Group, LLC and Cetera Wealth Services, LLC. Outside of his advisory work, he is an insurance agent licensed to sell life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers multiple investment management and financial planning services through a multi-manager platform with access to various model portfolios and third-party managers.

Barbara Napolitano is a Branch Leader at Fidelity Investments, a position she has held since 2024. In her role, she partners with associates to grow and develop their skills with the goal of delivering an exceptional client experience through building strong client relationships and co-creating personalized financial plans. Barbara has been with Fidelity Investments since 2019, progressing through various roles including Planning Consultant, Relationship Manager, Financial Representative, and Client Experience Associate. Her experience spans client relationship management and financial planning within the firm. No additional information regarding her education, credentials, personal interests, or community involvement has been provided.

Kenneth Ramirez is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he serves as Senior Vice President - Wealth Management and Portfolio Manager. He has been with Merrill Lynch since February 2011 and brings extensive experience from previous roles at UBS Financial Services, Paine Webber, and Kidder Peabody. His career in the financial services industry began in 1992. Ramirez specializes in wealth management solutions tailored for High Net Worth and Ultra High Net Worth clients. His expertise focuses on areas including college education planning, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He approaches his work by implementing disciplined processes to help clients pursue their financial goals while adapting to changes in the market and client circumstances. Ken holds a Bachelor of Arts degree in Marketing and Finance from Boston College's Carroll School of Management. He is a member of the Municipal Bond Club of New York and holds the Personal Investment Advisor (PIA) designation. Outside of his professional pursuits, he enjoys basketball, biking, boating, and spending time with his family.

Peter Zagrobelny is a financial advisor with LPL Financial based in Airmont, NY, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Webster Bank, Sterling National Bank, CitiGroup Global Markets Inc., Merrill, Guardian Life, and Chase Investment Services Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio management programs, and supports advisors with research and operational tools.

John Pannozzo III is a Series 66 licensed financial advisor with 19 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously held roles at Columbia Management Investment Advisers, Columbia Management Investment Distributors, New York Life Investment Management, and Merrill. 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 within a non-discretionary program. Their advisory process integrates quantitative and qualitative research supported by a centralized manager solutions team and incorporates ESG eligibility frameworks.

Kenneth Patterson is a financial advisor with Primerica Advisors, holding a Series 63 registration and having 21 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since the early 2000s and has a long tenure with New York City Transit. Outside of his advisory role, he receives compensation for selling home-related products through affiliated companies, including loan products and home security services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm delivers advisory services through model-based investment strategies managed by unaffiliated asset managers and supported by custodial and trade execution services from Pershing.

Robert Oneill is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with PFS Investments, Inc. since 2003 and with Primerica Financial Services since 2002. Outside of advisory services, he is involved in the sale of loan products through Primerica Mortgage, LLC and referrals for home security and automation products via Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating on a tiered wrap-fee basis rather than fixed fees.

Easton Brenner is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Sullivan O'Neil Group. He joined the firm in 2025 following his graduation from Lafayette College. At Lafayette, Easton earned a bachelor's degree with a double major in Economics and Policy Studies while competing as a four-year starter on the baseball team. Easton's areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for defined benefit plans, liquidity management, personal retirement planning, philanthropic planning, small business strategies, sports and entertainment, and individual and corporate investment strategy. He holds the Personal Investment Advisor (PIA) designation and is actively involved in the Hudson Baseball Club. In addition to his professional work, Easton resides in Hoboken, New Jersey, where he dedicates time to coaching high school and collegiate athletes. His personal interests include adventure sports, baseball, boxing, camping, fishing, golfing, hiking, hunting, pickleball, and yoga.

Richard Nappi Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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 searches, and customized performance reporting through a non-discretionary advisory program.

Raymond Chera is a financial advisor with Wells Fargo Advisors and holds Series 63 and Series 66 licenses. He has 15 years of industry experience, including prior roles at Capital One Sharebuilder and Woodbury Financial Services. Outside of his advisory work, he serves as president of Elite Wealth Managers LLC, providing investment advice and financial planning. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and fee-based financial planning services. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with clients choosing how to implement them through various firm programs.

Patrick Dolan is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license. He has 44 years of experience in the industry, having worked at MML Investors Services, Inc. since 1982 and with MassMutual Life Insurance Company since 1977. His work includes analyzing various insurance products to support client retirement planning needs. MML 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, with a focus on collaborative, annual planning relationships and event-driven services such as divorce, estate settlement, and employer-sponsored planning.