Patrick Chambers is a Series 66-licensed financial advisor with nine years of industry experience, currently affiliated with LPL Financial. He has worked at Morgan Stanley and CAVU Securities LLC, among other firms. Chambers also holds a role with Flagstar Bank related to wealth services. 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 portfolio programs, and institutional platforms, supported by advanced operational tools and a network of over 22,800 advisors.

Terrence Lambert is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he owns and operates 152 Associates, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad range of planning services, including niche areas such as business-owner transition and sports & entertainment planning.

Paul Stettnisch is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. He has worked at Primerica Advisors since 1996 and has held positions at Titan Global LLC and Binder and Binder. Outside of investment advisory, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Aimee Jaramillo is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked at Merrill since 2021 and previously spent eight years at Bank of America. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Peter Santulli is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, and Chase Investment Services Corp. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Praneeth Bolgodu is a financial advisor at Morgan Stanley with 8 years of industry experience. He holds a Series 66 designation and has been associated with Morgan Stanley and its Private Bank since 2015. Prior to that, he worked at Baruch College for four years. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Rosemarie Alvaro is a financial advisor with Merrill in Garden City, NY, holding a Series 66 designation and 18 years of industry experience. She worked at Merrill from 2008 to 2009 and returned in 2012, having also spent two years at Morgan Stanley. Outside of her advisory role, she serves as a trustee and holds power of attorney for family-related fiduciary responsibilities. 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, and institutional investors.

Mike Fuina currently serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2014. In this capacity, he works closely with clients and his wealth management team to develop and implement formalized financial plans. His approach centers on understanding each client's unique financial situation to support their goals of building, growing, and preserving wealth. With over 20 years of experience, Mike has a comprehensive background in financial consulting and investment management. Prior to his current position, he held roles at Fidelity Investments including Financial Consultant from 2011 to 2014 and Investment Consultant from 2010 to 2011. Before joining Fidelity, he was Vice President of Investments at Laidlaw & Company (UK) Ltd. from 2005 to 2010. Mike is a Certified Financial Planner (CFP®), reflecting his commitment to professional standards and client service. Further details regarding his education or personal interests have not been provided.

Mircea Selegean is a financial advisor with Merrill, holding a Series 63 designation and 36 years of industry experience. He has worked at Merrill since 1990 and has also been with Bank of America, N.A. since 2011. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric Nirenberg is a financial advisor with OSAIC holding a Series 63 designation and 30 years of industry experience. His prior roles include positions at Investacorp, Inc. and Securities America Advisors. Outside of financial advising, he serves as a board trustee for the Children's Medical Fund of New York and is involved in health insurance sales. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a broad range of brokerage and advisory services supported by a model-based investment process emphasizing asset allocation and portfolio optimization.

Jack Dolger is a financial advisor at Morgan Stanley in Garden City, NY, holding a Series 66 credential. He has prior experience with Tradition Securities and Derivatives and has worked in community service roles and educational settings, including at Lehigh University and Oceanside schools. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery processes and firm-approved tools.

Ryan Welsch is a financial advisor with Primerica Advisors, holding a Series 63 designation and 14 years of industry experience. He has worked at PFS Investments Inc. since 2012 and Primerica Financial Services since 2011. In addition to his advisory role, he is a sales manager at Smart Energy Source, where he assists with operations and the sales and installation of solar panel systems. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of financial advisors and utilizes model-based strategies managed by unaffiliated asset managers.

Lauren Boniface is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Goldman Sachs, The Vanguard Group, and Eagle Capital Partners. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process involves structured discovery conversations and firm-approved tools, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Joseph Scotto is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2017 and previously worked at New York Wealth Management and Raymond James Financial Services from 2009 to 2017. Outside of his advisory role, he is the owner of JOSU Enterprises, a business based in Garden City, NY. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services with a range of portfolio management styles, supplemented by affiliated research and model manager options.

Kelvin Acevedo Liz is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill from 2015 to 2022 before joining Charles Schwab Bank and Charles Schwab in 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios with periodic reviews.

Ritu Pawa is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan since 2012. Outside of her advisory role, she is involved with Amerigo, a student exchange program, where she hosts an international student attending high school. 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 within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research with a forward-looking approach to asset allocation.

Danielle Payne is a financial advisor with LPL Financial in Babylon, NY, holding a Series 63 designation and bringing 21 years of industry experience. She has been with LPL Financial since 2008 and concurrently serves at Webster Bank since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions supported by a network of over 22,800 advisors.

Therese Dalto is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 65 credentials and having nine years of industry experience. She has worked at Morgan Stanley since 2022 and previously at Deutsche Bank Securities Inc. since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Alexander Milack is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Ameriprise Financial and Dennis R Miller & Associates LLC. 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 searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research supported by a centralized manager solutions team.

John Levitt is a financial advisor with Ameriprise in Syosset, NY, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Axa Advisors for 17 years before joining Ameriprise Financial Services Inc and later Ameriprise. Outside of advising, he serves on the Board of Directors for The Sophia Vasalmos Foundation, practices estate law as an attorney, and is an independent movie producer. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with significant investable assets, providing tailored recommendation reports that combine research, modeling, and tax-efficiency analysis. The firm delivers these services through a centralized consulting team and integrates algorithmic automation overseen by specialized committees.