Mark Fitzpatrick is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 40 years of experience in the financial services industry. Prior to joining Merrill Lynch in 2001, he spent 18 years trading U.S. Treasury bonds on Wall Street. He specializes in personal retirement planning, portfolio management services, and retirement income strategies. Mark holds a Bachelor of Arts degree in English Literature from Amherst College and graduated from Chaminade High School in Mineola, NY. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He lives in Garden City, NY with his wife Dolores and their four grown children. In addition to his professional work, Mark serves on the Board of Governors for both the Cherry Valley Club in Garden City and the Lawrence Beach Club in Atlantic Beach, NY. His personal interests include golfing, hiking, skiing, and spending time with his family.

Mitchell Foster is a Series 65-licensed financial advisor with 52 years of industry experience, currently with OSAIC since 2018. Prior to this, he worked for 44 years at Jhfn Signator Investors, Inc. Outside of his advisory role, he serves as a trustee for the Yokun Brook Condominium Association in Lenox, Massachusetts. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and third-party manager options.

John Deluca is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he has a partial ownership interest in a software company, Document Agility. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research from its own investment institute and third-party sources, providing both brokerage and advisory solutions.

Charles Menacho IV is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley since 2013 and Morgan Stanley Private Bank since 2015. Outside of his advisory work, Menacho serves as an officer of the Suffolk Harley Owners Group, a recreational organization in Oakdale, New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

James Quigley is a financial advisor at LPL Financial in Melville, NY, holding a Series 66 designation with 20 years of industry experience. His previous roles include positions at Wells Fargo Clearing Services, Capital One Investing, E*TRADE, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, employing various strategies delivered primarily by investment adviser representatives.

Martin Schwartz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1983 and has over four decades of experience serving multiple generations of clients across various financial stages. His practice focuses on areas such as college education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. Throughout his career, Martin has worked with entrepreneurs, real estate investors, physicians, teachers, attorneys, CPAs, retirees, and diverse family structures, providing comprehensive planning and coordination with clients' CPAs and attorneys for tax-minimization and estate planning strategies. His approach involves acting as a full-service team that prioritizes and plans for clients' futures, simplifying complex financial decisions, and addressing various life transitions including retirement, wealth transfer, and long-term care planning. Martin holds a Bachelor's Degree from the University of Michigan and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He resides on Long Island, New York with his spouse and enjoys baseball, football, golfing, ice hockey, reading, and spending time with his family. He has also served the community for 26 years through his affiliation with the Five Towns Kiwanis Club, holding positions such as Past President and Treasurer Emeritus.

George Christodoulou is a financial advisor at Charles Schwab with two years of industry experience. He previously worked at Edward Jones and JPMorgan Chase. He holds Series 63 and Series 66 licenses. 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 offers both non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Rhonda Sossner is a financial advisor at Ameriprise with seven years of industry experience. She holds a Series 66 designation and has previously worked with Commonwealth Financial Network, Avantax Investment Services, and several entities named Strickoff Financial Services. Outside of her advisory work, she serves as Treasurer and Secretary of a retail hardware store. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning with a combination of proprietary research, third-party data, and algorithmic tools.

Kaylee Mc Fadzen is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019. Prior to joining Morgan Stanley, she was employed at the Town of Huntington Assessor's Office and studied at Binghamton University. 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 supported by structured discovery conversations and firm-approved tools.

Ryan Rielly is a financial advisor at Morgan Stanley in Melville, NY, with 10 years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Morgan Stanley since 2017, following two years at First Empire Securities, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Magliocco 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 Smith Barney LLC since 2017, following prior roles at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs. The firm offers tailored financial planning supported by structured processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Steven Denkberg is a financial advisor at OSAIC with 14 years of industry experience and holds a Series 66 designation. He has worked at Royal Alliance since 2012 and serves as counsel to the Commissioners of the New York City Board of Elections, a position he has held since 1991. In addition to his advisory role, Denkberg has been practicing law since 1989. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and recent consolidation activity.

Eric Hood is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley and E*TRADE Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors. The firm’s program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Eisenberg is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at Deutsche Bank Securities Inc. and Deutsche Bank Trust Company Americas. Outside of his advisory role, he serves as trustee of a family living trust. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Grand is a CFP® professional with 20 years of industry experience. He is currently with Osaic, having joined in 2024, following prior roles at Fidelity Investments and Pacific Investment Management Company (PIMCO). Outside of his advisory work, he serves as a director on the board of a Manhattan residential cooperative and is the founder of RevUp Private Wealth, LLC. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services across comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation, portfolio optimization, and offers various program options including discretionary and third-party managed strategies.

Fred Tantillo is a financial advisor at LPL Financial with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2024, he worked for Royal Alliance Associates, Inc./Osaic Wealth, Inc. for 33 years. He is also involved in tax preparation as an owner of a related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset managers, supported by technology tools for research and operations.

Sonia Karia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. She previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing. Outside of her advisory role, she owns and operates a jewelry store and a 5G internet business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Larson Bennett is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked previously at Brown Brothers Harriman & Co and Dartmouth College. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

John Guzzetti is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on assisting individuals and families with their financial goals through personalized wealth management, investment, retirement, and college education planning strategies. His approach emphasizes building lasting relationships and providing tailored guidance to meet each client's unique needs. He has expertise in areas including family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and retirement income. John holds a Bachelor's Degree from Indiana University and possesses the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, John enjoys playing tennis, basketball, chess, pickleball, and soccer, spending time with his family, and traveling.

Gregory Matzelle is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 63 designation and has 33 years of industry experience. Prior to joining Raymond James in 2019, he spent 10 years at Janney Montgomery Scott. He operates a support business, GNB Wealth Strategies Group, as an independent contractor. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning services supported by risk profiling and analytical tools, and it maintains unique capabilities in municipal advisory and SIMPLE IRA employer consulting.