Naum Raziilov is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked at Merrill since 2018 and previously held roles at Bank of America, N.A., Dime Community Bank, and TD Bank. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Gregory Page Romer is a financial advisor at OSAIC with five years of industry experience. He holds a Series 66 designation and previously worked at Royal Alliance and S&P Global, Inc. In addition to his advisory work, he is a co-founder and Chief Financial Officer, Secretary, and Chief Technology Officer of an online dating company, Deeper Dating, Inc., and serves on the board of directors for the Long Island Crisis Center. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting multiple investment strategies and custodial arrangements through a multi-advisor platform.

Anna Cheng is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. Outside of her advisory work, she also works as a part-time delivery driver for DoorDash. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting, supported by extensive research and a broad range of financial products and services.

Andrew Choi is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023, with prior experience at Equitable Advisors and several other organizations. Outside of advising, he was self-employed for ten years and operated Hello Welcome Store & Co Inc. for seven years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Anthony Castro Guzman is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. His prior roles include positions at MassMutual Life Insurance Company and teaching at Adelphi University and Westbury High School. He serves as Secretary Treasurer on the board of a Manhattan professional networking organization and as a director on the Westbury Carle Place Chamber of Commerce board. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and offers asset management, wrap programs, and educational seminars.

Ryan Meca is a Wealth Management Advisor and Merrill Resident Director. He works closely with individuals and families to develop personalized financial strategies that align with their long-term goals. Ryan focuses on creating tailored financial plans to help clients pursue and maintain financial independence. His areas of expertise include family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Ryan holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Saint John's University. Outside of his professional work, Ryan enjoys baseball, cooking, music, running, spending time with his family, and traveling.

Vincent Toscano is a financial advisor with OSAIC, holding a Series 63 designation and bringing 35 years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Advisors Corporation for a combined 27 years. Outside of advisory services, Toscano is the sole owner and president of Loucon Resources, Inc., an S corporation offering accident and health insurance and related products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides both brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a multi-advisor platform.

Christopher Ferguson is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and possessing 36 years of industry experience. He has been with Charles Schwab since 1998. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides a range of integrated brokerage, custody, and advisory services.

Stephen Bishop Jr. is a financial advisor with Ameriprise, holding a Series 63 designation and 30 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research-driven modeling and tax-efficiency analysis, delivering personalized plans through a centralized consulting team.

Nicholas Agnone is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and over 28 years of industry experience. He has previously worked at Osaic Wealth, Inc. for 15 years and has operated Nicholas Agnone & Co., LLC since 2001. Outside of his advisory role, he is actively involved in tax preparation and accounting services through his own firm, Nicholas Agnone & Co. LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jonathan Pugach is a financial advisor at Wells Fargo Advisors with four years of industry experience. He holds the Series 66 designation and has previously worked at UBS Financial Services, Merrill, AXA Advisors, and other firms. 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 and special-needs analysis, supported by Wells Fargo research and planning tools.

Amy Curley is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley and its affiliate firms since 2014. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, combining financial planning with investment strategies supported by quantitative tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services both directly to clients and through employer-based agreements.

Joshua Soto is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works closely with individuals, families, and business owners to develop personalized financial strategies aimed at pursuing short-, mid-, and long-term goals. He provides resources and guidance on investing, retirement planning, education funding, and small business solutions, including access to specialists in banking, credit, home financing, and small business services. His areas of focus include college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Joshua approaches financial planning by understanding what matters most to each client and tailoring strategies accordingly, serving as a trusted resource to help clients make informed financial decisions. Joshua holds a Personal Investment Advisor (PIA) designation. He earned an associate's degree from Suffolk County Community College and a bachelor's degree from Pace University, following his graduation from William Floyd High School. He is affiliated with Merrill professional organizations.

Andrew Surace is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, LLC, and AXA Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by structured discovery tools and analytical models. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate financial planning agreements.

Salvatore Piro is a financial advisor at MassMutual Investors Services with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at MassMutual Life Insurance Co and Barnum Financial Group/MMLIS. Outside of his advisory role, he is president and owner of Citiview Management Inc. and also works as an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and also delivers specialized services such as divorce planning and estate-settlement programs.

Jenna Muscarella is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and its Private Bank since 2022, following five years at Equitable Advisors and Axa Advisors. She serves as a board member of the Garden City Chamber of Commerce, participating in community events. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools.

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.