Erik Stevens is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Prior to joining Raymond James, he worked at Citigroup for eight years and has been involved with various financial and investment-related roles. He also serves as a financial advisor for Hendel Wealth Management Group, supporting existing clients. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored advice supported by extensive proprietary research and a broad affiliate network.

Derick Pantoja is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at Wells Fargo since 2007, including ten years at Wells Fargo Bank and nine years at Wells Fargo Clearing. Outside of his advisory role, he is a notary public in Yonkers, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

John Donaldson is a financial advisor with LPL Enterprise, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Blue Ocean Wealth Solutions and has a diverse background including roles at Binghamton University and other organizations. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products, supported by an integrated platform that combines adviser programs with active sales of financial products.

Robert Papaleo is a financial advisor with Morgan Stanley, holding Series 63, 65, and 66 credentials and bringing 41 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of retail and institutional investment services.

Christopher Mirandi is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and bringing nine years of industry experience. He has been with Ameriprise since 2016, working across both the LLC and Inc. entities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, which provides tailored retirement income planning through written reports and ongoing advice that emphasize dependable income sources and tax-aware withdrawal strategies.

Frances Beiro serves as a Resident Director and Wealth Management Advisor at Merrill, where she has contributed since 2014. She is a partner in The Callahan Pascua Group and specializes in developing comprehensive wealth management strategies for individuals, families, and businesses. Her client focus includes college education planning, family wealth management, institutional investment consulting, liquidity management, retirement planning, tax minimization, and addressing the unique needs of women and clients in sports and entertainment. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, awarded in partnership with the Investments & Wealth Institute™ and The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned a Bachelor of Arts degree in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology, from San Diego State University, and a Master of Business Administration from Alliant International University. She is fluent in Filipino and English and participates actively in professional organizations, serving as the National Chair of the Investments & Wealth Institute™ Conference Committee beginning in 2024. Frances also holds leadership roles with the Merrill Women's Exchange in San Diego, including President for 2024-2025, and is a member of the La Jolla Woman's Club. Outside of work, her interests include music, scrapbooking, tennis, traveling, writing, yoga, and spending time with her family.

Joseph Fitzpatrick is a financial advisor with UBS Financial Services in Melville, NY, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, Fitzpatrick serves as a trustee responsible for distributing assets held by a deceased individual. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management, supported by institutional trading capabilities and proprietary research.

Mary White is a financial advisor with Morgan Stanley in Melville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is the sole proprietor of Angel Whispers, a greeting card business. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and employing a structured planning process supported by firm-approved tools.

Steven Schmidt is a financial advisor at Osaic Wealth, Inc. with 38 years of industry experience. He holds a Series 63 designation and previously worked for American Portfolios Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in insurance sales, including variable universal life, disability income, long-term care, and fixed annuities. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using diverse investment vehicles and third-party money managers.

Martin Coren is a financial advisor with Cetera, holding a Series 63 credential and over 40 years of industry experience. He previously worked with MSC Financial & Tax Services and North Ridge Securities Corp. Coren also operates his own financial planning and tax preparation business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a large network of independent advisors.

Sergio Russell Diaz is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Neuberger Berman, Ameriprise Financial, and Northwestern Mutual Investment Services. Outside of his advisory role, he owns and manages several small businesses related to artwork sales and real estate property management. Merrill 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 diverse range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Vincent Smith is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, he held various roles including positions at Strategic Advisers LLC and Distinctive Consulting LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including management of model portfolios using proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as advisor to multiple registered investment companies and employs systematic methodologies with oversight controls to address conflicts of interest.

Andrew Mullane is a CFP® certified financial advisor with 18 years of industry experience. He is currently with Cetera and has previously worked at Sterne Agee Investment Advisor Services and Wrp Investments. Mullane is also vice president of Omnia Financial, LLC, a firm focused on branding, marketing, and website services. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Charles G Healy Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2018, following prior roles at Scottrade Investment Management and Scottrade. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers services on a non-discretionary basis, applying an ESG eligibility framework and recommending internally approved funds and strategies.

Luis Hernandez Peralta is a financial advisor at Merrill with Series 66 and Series 63 credentials and two years of industry experience. His prior work includes positions at Bank of America, JPMorgan Chase, and J.P. Morgan Securities. Outside of his advisory role, he is involved with Eihab Human Services as a community habilitation specialist, helping to develop social skills and creativity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Goran Ljuljic is a financial advisor at Osaic with 33 years of industry experience. He holds a Series 63 designation and has worked with Osaic since 2018. Prior to that, he spent 21 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He is also involved in insurance brokerage and operates Lighthouse Financial Network, LLC, which provides insurance and investment planning services. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services along with financial planning and retirement consulting. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management, utilizing multiple advisory platforms and third-party managed account solutions.

Kara Rios is a financial advisor at Merrill with 7 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of discretionary and model-based investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Christa Pinero is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Kyle Napolitano is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works predominantly with corporate executives to navigate the challenges and complexities associated with concentrated stock positions, deferred compensation, and asset management. His approach is goals-oriented, focusing on developing customized financial strategies tailored to meet the specific needs of each client to help them pursue their financial objectives. Kyle holds a Bachelor's Degree from Marist University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His areas of expertise include corporate executive services, executive and equity compensation, legacy planning, liquidity management, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Outside of his professional work, Kyle is involved with the Leukemia & Lymphoma Society. He also has personal interests that include baseball, basketball, cooking, football, golfing, ice hockey, music, spending time with his family, traveling, and watching movies.

Christopher Giuffrida is a financial advisor at Fisher Investments with 15 years of industry experience. He has been with Fisher Investments since 2014 and holds Series 63 and Series 66 designations. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset mandates. The firm’s investment decisions are centralized with an Investment Policy Committee and incorporate quantitative screening, qualitative research, and tax-aware processes.