Thomas Beckley is a financial advisor with J.P. Morgan Securities in West Harrison, NY, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2014 and briefly at Oppenheimer in 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily 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.

Mariann Cheung Lee is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and with 26 years of industry experience. She has been with UBS Financial Services Inc. since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a blend of brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations in client planning.

David Laster is a CFA® charterholder and holds a Series 66 license with 13 years of industry experience. He has worked at Edward Jones since 2018 and previously was with Merrill from 2010 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets and supported by a nationwide network of more than 23,700 financial advisors.

Dana West is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and 27 years of industry experience. Prior to joining LPL Enterprise in 2024, Dana worked at Prudential Insurance Company of America, Pruco Securities, LLC, HSBC Securities (USA) Inc., and Morgan Stanley. Dana is actively involved in nonprofit work, serving as a board member of the Binghamton University Alumni Association and volunteering with the Greater Hudson Valley Council of BSA Scouts USA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm uses model-driven investment strategies and offers financial planning, access to third-party asset managers, and various affiliated trust, insurance, and lending services.

John Maracich is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds a Series 63 designation and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC. Maracich acts in a fiduciary capacity for private trusts in White Plains, NY. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and trustee services.

Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, 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, supporting various program structures and custodial relationships.

Douglas Fischer is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience, previously working at UBS Financial Services Inc. and US Bank. Before entering the financial industry, Fischer worked in education at Rutgers University and Morris Knolls. 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. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Klein is a Certified Financial Planner (CFP®) with 25 years of experience in the financial services industry. He has worked at Mass Mutual Investors Services since 2017 and previously spent 12 years with METLIFE Securities Inc. In addition to his advisory role, he engages in outside insurance sales focusing on individual and group life and health insurance products, fixed annuities, long-term care, and disability income. MassMutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including asset management, wrap and money-manager services, and educational seminars.

Dennis Lavin is a financial advisor with Cetera, holding a Series 63 designation and over 27 years of industry experience. He has been with Cetera since 2006 and also operates Lavin & Associates, a tax and accounting services firm serving clients in the New York tri-state area, where he is a partner and CPA. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and reported over $256 billion in assets under management across more than 10,000 advisors.

Jacob Lynne is a financial advisor at Ameriprise in Pleasantville, NY, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining Ameriprise, he worked at the University of Miami and has experience with Lacrosse Unlimited and the Ridgefield School District. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement income planning advice. The firm’s approach integrates investment research and algorithmic tools to address asset allocation and tax-aware withdrawal strategies within a defined investment universe.

Rita Esquenazi is a financial advisor at Charles Schwab with 8 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2021. Prior to that, she was employed at Northwestern Mutual in various roles from 2016 to 2021. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers integrated custody and brokerage services.

Anthony Danial is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their goals, values, and priorities, and provides guidance in areas including corporate executive services, equity compensation, family wealth management, legacy planning, liquidity management, new wealth management, retirement planning, portfolio management, tax minimization, and retirement income. Anthony's approach involves careful planning and strategy to help clients pursue their financial goals and achieve financial assurance. Anthony holds a Bachelor's Degree and a Master's Degree from Iona College. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He conducts his practice in English and Arabic. In addition to his professional work, Anthony has personal interests in cooking, dancing, spending time with his family, and writing.

Douglas Lipman is a financial advisor with LPL Financial based in Tarrytown, NY, holding Series 63 and 65 licenses and possessing 30 years of industry experience. He has been associated with The Capital Preserve, Inc. since 2005 and worked at Linsco/Private Ledger Corp. from 2002 to the present, as well as National Planning Corporation from 2000 to 2002. Lipman spends a small portion of his time on the sale of non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting strategies through both discretionary and non-discretionary account management.

Luciano Dela Cruz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Wells Fargo Advisors since 2011, including time at Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, utilizing proprietary research and planning tools to develop tailored client recommendations.

Edward Book Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. His prior work includes roles at Mondelez International, L’Oréal USA, and the U.S. Air Force. Outside of advising, he is a partner in an investment-related business, Alpha Investment Properties, LLC. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies managed by third parties and offers a range of portfolio options supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Paul Gabbianelli is a financial advisor with LPL Financial based in Franklin Lakes, NJ. He holds Series 63 and 65 licenses and has 32 years of industry experience. His prior career includes 18 years at Cetera and operating Paul Gabbianelli & Associates for over four decades. Gabbianelli is also involved in tax preparation and mortgage services through other business activities. 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, third-party asset management, and institutional platforms.

Austin Dickson is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, he worked at Thor Specialties and has been involved with Sacred Heart University in various roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction across a variety of investment vehicles.

Frank Rodriguez is a financial advisor with J.P. Morgan Securities in Peekskill, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at The Prudential Insurance Company of America and Lakeland Capital Management. Outside of finance, he is developing a fiction novel entitled *Entangled*, which he plans to publish under the pseudonym F.J. Rodriques. 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 applying an ESG eligibility framework in its investment recommendations.

Jerry Wade is a financial advisor at LPL Enterprise with 21 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior roles include positions at Mass Mutual Investors Services, Metlife Securities Inc., and The Prudential Insurance Company of America. Wade also operates On Point Strategic Planning, LLC, a veteran-owned business. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, offering access to third-party asset managers and participation in wrap programs, and it also facilitates insurance product sales and affiliated trust services.

Thomas Kingsley is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior work includes roles at Bloomberg Tradebook, Guidepoint, Alphasights, Third Bridge, Gerson Lehrman Group, and Telk Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of algorithmic methods and formal advisory roles within Fidelity’s institutional wealth platform.