Sebastian Komuda is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, First Republic Investment Management, and J.P. Morgan Chase Bank. 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 through a centralized due-diligence process.

Ryan Winger is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked at J.P. Morgan Securities since 2009 and at JPMorgan Chase Bank since 2010. Outside of his advisory role, he works part-time as a ski instructor at Stratton Mountain Resort. 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 and investment management capabilities.

Michael Daly is a financial advisor at RBC Capital Markets with 24 years of industry experience and holds a Series 66 credential. He previously worked for UBS Financial Services for 11 years and has served on the board of a cooperative apartment building as well as a publicly elected school district trustee participating on audit and facilities committees. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

James Kerr is a financial advisor with Cetera who holds a Series 63 designation and has 35 years of industry experience. His prior work includes roles at Equity Services Inc, National Life Group, MML Investors Services Inc, and MassMutual. In addition to his advisory work, he operates Corporate Plans Retirement Strategies LLC, providing financial and insurance advice, and sells fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Robert Berard is a CFP® with 17 years of experience in the financial industry. He has been with Ameriprise since 2008, currently serving as a financial advisor in Carmel, NY. His credentials include the Series 66 license. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice, primarily focused on assets held within Ameriprise Managed Accounts.

Hubert Papes is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2013, currently serving in Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a 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 planning tools but does not provide individual security recommendations as part of its standalone financial planning program.

Veronica Carrasquillo is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Her prior experience includes roles at J.P. Morgan Securities, Wells Fargo Bank, and TIAA Financial Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs, including wrap and money-manager services, and emphasizes structured, collaborative financial planning engagements.

Paul Triano is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities from 2014 to 2017. Outside of his advisory role, he serves as a board member and coach for Ridgefield Girls Softball. Mass Mutual Investors Services 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 offers a range of programs including wrap accounts and educational seminars, focusing on collaborative financial planning and goal analysis.

Lynn Braban is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63, 65, and 66 licenses and has previously worked at Park Avenue Securities, INVEST Financial Corp., and Guardian Life Insurance Company. In addition to her advisory role, she is involved with Finding Common Ground, LLC, a family and divorce mediation and education service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by research, model portfolios, and technology-driven tools.

Ryan Mctigue is a financial advisor at Fisher Investments with 12 years of industry experience. He holds the Series 66 designation and has worked at Fisher Investments since 2017, following a year at Ameriprise Financial Services. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm employs a centralized investment approach managed by an Investment Policy Committee and incorporates tax-aware strategies and risk management techniques in its portfolios.

Ernest Escobar is a financial advisor at LPL Financial with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Securities and JP Morgan Chase Bank. Outside of his advisory role, he is co-owner of BE Method, LLC, an e-commerce business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Sue Tomasello is a financial advisor with Morgan Stanley, holding a Series 63 designation and 17 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets Inc. since 1992. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Kristen Koluch is a financial advisor at Raymond James & Associates with 24 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Raymond James since 2015 and Merrill since 2003. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Perry Hopper is a CFA® charterholder and holds a Series 63 license. He currently works at Morgan Stanley and has seven years of prior experience at Callan LLC and three years at UBS. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides tailored financial plans primarily through its Financial Advisors and Estate Planning Strategies Group.

Svetlana Fiumara is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at Equitable Advisors, LLC. In addition to her advisory roles, she has been affiliated with Pace University’s Lubin School of Business since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services that combine advisory capabilities with extensive investment resources.

Yechezkel Kasnett is a financial advisor at Cetera with eight years of industry experience. He has worked at various Cetera entities since 2015 and previously spent eleven years with Michael S. Frohlich. Outside of his advisory role, Kasnett teaches Talmud to adult learners each morning. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party investment managers.

Fernando Remigio Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. Outside of his financial advisory role, he owns and operates Skyline Ent DJ & Music Production, a company providing music entertainment for private events and venues. J.P. Morgan Securities LLC offers investment consulting and advisory services mainly 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.

Sean Martin is a financial advisor at J.P. Morgan Securities with two years of industry experience and holds a Series 66 designation. His prior roles include employment with Equitable Advisors and various sports and recreation-related ventures. Outside of finance, he is involved in sports management through Martin Sports Ventures LLC and ULAX, LLC, which organizes a men's lacrosse league, and he works as a ski instructor at Campgaw Mountain Ski Area. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver non-discretionary advice.

Mary Tompkins is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management in White Plains, New York. She leads a team that works with a diverse group of clients to help them identify their financial goals, advance those objectives through strategic planning, and maintain focus on their long-term aspirations. With over three decades of experience in financial services, Mary prioritizes her clients' interests and needs through hands-on assistance. Her expertise includes college education planning, personal retirement planning, women and wealth management, and retirement income. She values educating clients about their opportunities while alerting them to potential challenges, and she tailors her approach to each client's unique circumstances, including individual dreams, timeframes, family dynamics, and risk tolerance. Mary holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her educational background includes a High School Diploma from Carmel High School and an Associate's Degree from Dutchess Community College. Outside of work, she enjoys adventure sports, camping, hiking, running, volleyball, and spending time with her husband, two daughters, and three grandchildren.

Sudip Mukherjee is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS since 2017, following a 14-year tenure at MBIA Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm offers a broad range of services including portfolio management, financial planning, and capital markets activities.