Maria Pagano is a Series 63 licensed advisor with Planmember Securities Corporation, where she has worked since 2010. She has 13 years of industry experience. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, offering education and support services including seminars and personalized retirement planning.

Paul Bello Jr. is a financial advisor with TIAA-CREF in White Plains, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He previously worked at Northwestern Mutual in various capacities between 2013 and 2018. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and managed account programs primarily to individuals with existing TIAA retirement plan relationships, as well as trusts, estates, and corporate clients. The firm separates its planning services from discretionary portfolio management and serves as adviser to a donor-advised fund.

Nicholas Liapunov is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and over 30 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 1999. Outside of his advisory role, he is involved with Entourage Sports Management, supporting PGA and LPGA players with endorsement opportunities. Park Avenue Securities, a subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning, advisory, and consulting solutions supported by proprietary and third-party platforms.

Dowens Nicolas is a financial advisor at Empower Advisory Group with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Manhattan University and Varonis Systems. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with certain IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and annual rebalancing through a financial planning service integrated with Empower’s recordkeeping and administrative platforms.

Robert Giuffrida is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 designations and having 19 years of industry experience. His prior roles include positions with Charles Schwab Bank SSB, Charles Schwab and Co., Inc., and TDAmeritrade Inc. Outside of his financial advisory work, Giuffrida serves in the United States Coast Guard Auxiliary, where he supports boating safety, veterans, local charities, vessel safety checks, and environmental conservation. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm uses a combination of strategic and tactical asset allocation with affiliated and third-party investment managers, offering portfolio management, financial planning, and custody services through a technology platform.

James Bakal Jr. is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has been with Janney Montgomery Scott since 2014. Outside of his advisory role, he serves on the board of the Exchange Club of New Canaan, a charitable organization focused on child abuse prevention and community service, and was elected President Elect for the 2021-2022 term. Janney Montgomery Scott is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including high-net-worth individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Christopher Ciani is a financial advisor with Guardian Life and holds Series 63 and Series 66 licenses. He has 20 years of industry experience and has worked with Park Avenue Securities and Guardian Life Insurance since 2011. He also has a part-time role selling fixed insurance products through Crump Life Insurance. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm provides tailored client solutions through a combination of advisor-led discretionary management, model-based strategies, and access to insurance products and alternative investments.

Richard Sherwin is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 66 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Pruco Securities LLC and Bloomberg Tradebook LLC. He serves as a board member and Youth Lacrosse Commissioner for Eastchester Blue Devils of NY, Inc. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms.

Gail Simons is a CFP® professional with 35 years of experience in the financial services industry. She has been with Commonwealth Financial Network and Highbridge Financial Group, Inc. since 2003. Outside of her advisory roles, she is vice president and 50% owner of GMS Associates, Inc., a property tax consulting firm unrelated to investments. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and support services, including discretionary model portfolios and personalized indexing options, while providing operational and compliance support to affiliated advisors.

Anthony Destefano is a financial advisor at Hightower Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Hightower Advisors since 2023, following roles at Hightower Altium Holding LLC and Altium Wealth Management LLC. He is also the managing member of Altium Planning, LLC, which provides insurance services. Hightower Advisors offers investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers. The firm provides discretionary and non-discretionary portfolio management, financial planning, and retirement consulting, with capabilities spanning mutual funds, ETFs, alternative investments, and custom indexing.

Lynne Miller is a financial advisor at Janney Montgomery Scott with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Morgan Stanley, UBS Financial Services, and Oppenheimer. Outside of her advisory role, she serves as a signatory manager for Oakford Media LLC, a family-owned business. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base with services including brokerage, financial planning, consulting, and multiple advisory programs, utilizing both in-house and third-party portfolio management.

Mark Jaffe is a financial advisor at Citigroup Global Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies using internal standards and oversight committees to select and monitor managers, supporting both discretionary and non-discretionary programs.

Nicholas Caron is a financial advisor with Citigroup Global Markets holding a Series 66 designation and 18 years of industry experience. He has worked at Citi Wealth Management since 2019 and has previous experience with firms including Raymond James Financial Services, Fulton Bank, Citizens Securities, Chase Investment Services, and Wells Fargo Clearing. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides both discretionary and non-discretionary investment solutions.

Michael Pak is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and having 26 years of industry experience. He has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is a silent investor in Pinetree Enterprises LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm combines large institutional scale with specialized market roles, implementing multi-asset, multi-manager strategies through discretionary and non-discretionary programs.

Louis Margro is a financial advisor with Eagle Strategies (NY Life) holding ChFC® and Series 63 credentials and has 27 years of industry experience. He has been affiliated with Eagle Strategies since 2023 and concurrently operates Summit Wealth Solutions & Insurance Services and Nylife Securities Inc., maintaining a longstanding relationship with New York Life Insurance Company since 1997. His other business activities include brokering health, life, fixed annuities, disability, and property and casualty insurance products with outside carriers. Eagle Strategies serves a diverse client base including individual investors and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations delivered via multiple program types, with a majority of its assets managed on a non-discretionary basis.

Kenneth Harper is a financial advisor with Eagle Strategies (New York Life), holding a Series 66 credential and 23 years of industry experience. He has previously worked at LPL Financial, Invest Financial Corp., and Booth Financial Associates. Harper serves as a board member and bookkeeper for the Newtown Rotary Club Foundation. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse range of individual and institutional clients. The firm offers multiple program types and emphasizes tailored recommendations, with the majority of its assets under management held on a non-discretionary basis.

Christopher Jones is a CFP®-designated financial advisor with 22 years of industry experience. He is currently with Commonwealth Financial Network and has prior experience at Securities America Advisors, Inc. and OSAIC. In addition to his advisory work, he spends a portion of his time involved in fixed insurance sales. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Edward Cleary is a financial advisor at Citigroup Global Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup Global Markets since 2007, following two years at Citicorp Investment Services. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with large institutional scale and specialized market roles.

Jay Choi is a financial advisor at Centaurus Financial, Inc. with 21 years of industry experience. He holds a Series 66 designation and has been with Centaurus Financial since 2005. In addition to his advisory role, he is president of JC Financial Group, Inc., which provides tax accounting, filing services, and property and casualty insurance. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and institutions. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized services such as annuity and variable life sub-account management.

Mark Scozzafava is a financial advisor with Eagle Strategies (NY Life) based in Darien, CT. He holds a Series 66 designation and has 17 years of industry experience. His career includes roles at NYLIFE Securities LLC and NYLife Distributors LLC. Outside of finance, he is an owner of Northeast Fish Co., a wholesale seafood distributor, where he participates in strategic decision-making. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.