Isabella Bogdanos is a Financial Consultant currently working with Fidelity Investments since 2021. She has held several roles within the company, including Financial Consultant I and Planning Consultant, progressing to her current position in 2024. Prior to joining Fidelity Investments, Isabella worked as a Financial Consultant at Equitable Advisors from 2018 to 2021. Throughout her career, Isabella has focused on building relationships with clients to understand their financial goals and priorities. She collaborates with clients to develop personalized investment plans that address their needs and preferences, adjusting strategies as life circumstances change to provide ongoing support. Isabella's experience spans multiple years in financial consulting, with a consistent emphasis on client-centered planning. Additional information regarding her education, credentials, or personal interests has not been provided.

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.

Samantha Awad is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020. Prior to that, she was with Morgan Stanley Private Bank, N.A., from 2015 onward. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

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.

Peri Jacobowitz is a financial advisor at MassMutual Investors Services with 15 years of industry experience. She holds the Series 66 designation and has worked at MassMutual Investors Services since 2017, following six years at MetLife Securities. Outside of advising, she operates a retail business selling personalized gifts. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a collaborative, goal-oriented approach.

Robert Mosera is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Wells Fargo Clearing and Citigroup Global Markets. He has a 50% ownership interest in Hillcrest Capital Advisors Inc., an outside business activity unrelated to his brokerage work. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions with investment and fee-based financial planning services, offering a broad range of planning options that address cash flow, retirement, education, risk, wealth transfer, and specialized needs such as business-owner transition and divorce planning. Advisors use proprietary research and planning tools to develop tailored recommendations, with clients choosing how to implement them.

Gina Carosella is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1987 with Merrill Lynch and has built over three decades of experience in wealth management and banking. Gina works closely with clients including physicians, business executives, entrepreneurs, and other affluent individuals and families, developing personalized wealth management plans. Her expertise includes fixed income, banking, insurance, credit, and lending services. Gina attended California State Polytechnic College in Pomona, California, and completed the training program at the American Institute of Banking. She holds the Personal Investment Advisor (PIA) designation. A resident of Highland Lakes, New Jersey, Gina enjoys traveling and spending time with her family, friends, clients, and three dogs.

Anthony Napolitano is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping families and business owners by understanding their lifestyles and aspirations to simplify complex financial matters and provide actionable solutions. His practice integrates financial planning with disciplined investment management, supporting clients through wealth management, retirement planning, tax mitigation, and multi-generational wealth transfer. Anthony has a focus on assisting privately held business owners with customized retirement plans, collaborating with actuarial partners to optimize plan design. He also offers treasury cash management services to help businesses manage liquidity efficiently. His client expertise includes divorce transition planning, employee benefits planning, executive compensation, and defined benefit and contribution plans. He began his career in wealth management at Morgan Stanley and holds a Bachelor's Degree from Montclair State University. Anthony has earned the Chartered Retirement Plans Specialist (CRPS) and Personal Investment Advisor (PIA) designations. Outside of work, he is involved in lacrosse through Demarest Junior Norseman Lacrosse and volunteers with the Knights of Columbus.

Thomas Riordan is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors since 2023, following seven years at Wells Fargo Clearing and a year at Chase Investment Services Corp. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients having flexibility in how they implement recommendations.

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.

Andrew Wedeen is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016 before joining Wells Fargo Advisors in 2025. He has a minority ownership interest in PRONOMIC WEALTH MANAGEMENT, LLC. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options tailored to clients meeting specific net-worth criteria. The firm integrates advisory services with other financial products and referral channels, delivering recommendations through personalized meetings and summary reports.

John Barchitta is a financial advisor with LPL Enterprise in Paramus, NJ, holding Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at The Prudential Insurance Co. of America, Pruco Securities, LLC, Equity Services, Inc, National Life, and Honeoye Falls Distillery. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and charitable entities, using model-driven investment implementation and offering access to third-party asset managers and financial planning services.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

Hetal Joshi is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley Private Bank and PNC Bank. Fidelity’s subsidiary Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts. The firm is notable for its use of systematic methodologies and roles advising multiple registered investment companies, as well as its application of AI and established governance practices.

Kenneth Cariota is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 39 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm combines research from Wells Fargo Investment Institute and third-party sources with principles of diversification and modern portfolio theory to evaluate investment options.

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.

Moshe Lewis is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services, Capital One Investing, and UBS Financial Services. Outside of his primary role, he assists clients with insurance planning through fixed insurance products at Northeast Wealth Planning LLC. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement consulting. The firm’s investment approach is model-based, utilizing tools such as risk-tolerance questionnaires and portfolio optimization, with access to proprietary and third-party management 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 at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Advisors and HSBC Securities. 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 and fund searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screening and qualitative research to build model asset allocations, with offerings that include derivatives and commodities capabilities.