Scott Faye is a financial advisor at Cetera with 27 years of industry experience. He holds the PFS™ designation as well as Series 63 and Series 66 licenses. In addition to his advisory role, he operates a tax preparation business under Scott J Faye CPA PC, which has been active since 1991. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that provides numerous investment program options and access to third-party managers.

Christopher Killip is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A. and Csc, as well as academic experience at the University of Delaware. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Zachary Castro is a Series 66-licensed financial advisor at UBS Financial Services with two years of industry experience. Prior to joining UBS in 2024, he held positions at Northwestern Mutual, Winwater Works, and several other organizations. Outside of finance, he has experience working in golf course operations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Steven Fuchs is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, he has been involved in ventures such as Meadows Home Care LLC and Hudson Valley Hoosiers. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities.

Daniel Borenstein is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding the individual priorities and financial goals of his clients to develop tailored strategies that address their needs. His approach involves comprehensive discussions about goals, concerns, and questions, providing ongoing advice and guidance as client circumstances evolve. Daniel's expertise covers a broad spectrum including general investing, retirement planning, and preparing for unexpected financial events. Holding professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), he leverages his credentials to offer informed financial advice. He holds a Bachelor's Degree from New York University.

Daniel Juechter is a CFP® professional with 38 years of experience in the financial industry. He is currently with Cetera and has worked in various roles at First Allied and Hunter Financial Advisors, which he owns and operates. He also serves as a consultant at Oxford Risk Management Group and holds insurance-related independent contractor roles. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, 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 and supports both discretionary and non-discretionary account structures.

Antonio Competiello is a financial advisor with OSAIC, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Fidelity Investments and Equitable. OSAIC Wealth, Inc. serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of investment management tools and third-party platforms.

Christopher Fahey is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Ameriprise since 2025. He previously worked at Edward Jones for 10 years. Fahey serves on the Board of Trustees for Ave Maria University. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement recommendations through a centralized consulting team.

James Dieguez is a financial advisor with Ameriprise in White Plains, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2022, he was a full-time student for 18 years. He is also involved in independent insurance brokering related to fixed annuities. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in investable assets, offering tailored recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines proprietary research, modeling techniques, and algorithmic tools to deliver these services through a centralized retirement-income consulting team.

Frances Heath is a financial advisor with UBS Financial Services and holds Series 63 and Series 65 credentials. She has 40 years of industry experience, including 25 years at UBS, where she has worked since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Robert Mosera is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various Wells Fargo affiliates since 2009. Outside of his advisory role, he owns a 50% stake in Hillcrest Capital Advisors Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients who meet a net-worth threshold. The firm provides planning in areas including retirement, education, risk management, and specialized needs such as business-owner transition and special-needs analysis.

Thomas Riordan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked within various Wells Fargo entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning services, utilizing proprietary research and tools to deliver tailored recommendations, with an emphasis on integrating advisory services alongside other financial products.

Michael Beamon is a financial advisor with Primerica Advisors in Elmsford, NY, holding a Series 63 designation and bringing 16 years of industry experience. He has worked at Primerica Financial Services since 2006 and owns Michael Beamon Inc, an IT consulting business. Outside of his advisory work, he is involved in non-investment-related business activities including IT consulting. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of approximately 3,700 advisors, using model-driven strategies created by third-party asset managers and supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Gilda Borenstein is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management. She has been advising clients since 1990 and holds multiple professional designations, including the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) certifications. Gilda earned her Bachelor's degree from SUNY Stony Brook and is a member of professional organizations such as the Certified Financial Planners and Chartered Financial Analysts. Over her career spanning more than three decades, Gilda has developed expertise in providing individualized financial strategies to high net worth individuals, families, non-profit organizations, and small businesses. Her services include retirement and estate planning, education planning, lending solutions, asset allocation, and portfolio management, with a focus on values-based and socially responsible investing. Previously, she has held roles such as futures analyst, interbank currency broker, charter member and floor broker of the New York Futures Exchange, and bankruptcy analyst for a major hedge fund. Gilda is actively involved in the community, having been a Founder and First Chair of New York Youth at Risk, Inc., and engaging with organizations like The Breakthrough Foundation, Inc. She is married with children and enjoys interests such as antiquing, baseball, cooking, interior decorating, photography, spending time with family, traveling, and watching movies.

John Barchitta is a financial advisor at LPL Enterprise with Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Equity Services, Inc., National Life, and The Prudential Insurance Co. of America. Outside the financial sector, he was involved with Honeoye Falls Distillery for four years. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Devon Anderson is a financial advisor with Primerica Advisors, holding a Series 63 designation and 12 years of industry experience. He has worked with PFS Investments Inc. since 2012 and with Primerica Financial Services since 2006. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of separately managed accounts to individual and high-net-worth clients. The firm employs a third-party due-diligence consultant for manager evaluation and delegates trading to BNY Mellon Advisors, operating with a tiered wrap-fee structure and curated third-party asset managers.

Dianne Corsbie is a CFP® with 32 years of experience in the financial services industry. She is currently with Cetera and has held prior roles at Broncor Financial Group and Avantax Advisory Services. In addition to her advisory work, she is involved in tax preparation and accounting services through Boncor Tax & Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

David Kaplan is a financial advisor with J.P. Morgan Securities, holding a Series 63 designation and bringing 35 years of industry experience. He has held positions at JPMorgan Securities and JPMorgan Chase Bank since 2018, and previously worked with Bank of America, Merrill, and UBS Financial Services. Kaplan is based in White Plains, NY. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Terrance Stevens is a financial consultant currently working at Fidelity Investments since 2023. He has built a career in the financial services industry with over 12 years of experience. Throughout his career, Terrance has held various roles, including Senior Premier Banker, Premier Banker, and Relationship Banker at Wells Fargo from 2015 to 2023, as well as Financial Service Representative at Hudson Valley Credit Union from 2013 to 2015. His professional expertise focuses on assisting clients in achieving their financial goals through a client-centered approach. Terrance is committed to providing service that aligns with clients' unique needs, offering guidance and resources to help them manage their financial journeys effectively. Outside of his professional pursuits, Terrance enjoys fitness and traveling.

John Natoli is a financial advisor with J.P. Morgan Securities in Nyack, NY, holding Series 63 and Series 66 registrations and 28 years of industry experience. His prior experience includes positions at Wells Fargo Advisors and HSBC Securities. 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 in its recommendations.