Dale Perez is a financial advisor at Merrill with Series 63 and Series 65 credentials and one year of industry experience. Before joining Merrill and Bank of America in 2025, he worked at TD Bank and has held roles in several other industries, including home services and brewing. He co-owns an inactive LLC that was established for a planned online coffee business. 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. The firm offers model-based and discretionary strategies designed by internal and third-party teams for individuals, high-net-worth clients, pension plans, and charitable organizations.

Asher Saperstein is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and beginning his career at the firm in 2025. Prior to joining Morgan Stanley, he was self-employed for ten years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools.

Claire Diele is a financial advisor at Equitable Advisors with 26 years of industry experience. She has held the Series 63 and Series 65 designations and has been with Equitable Advisors since 2001, having also worked at AXA Advisors, LLC during that time. Outside of her advisory role, she was involved with American Dream Promotions Inc. for over four decades. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers, using a hybrid referral and implementation model.

Christopher Fleming is a Wealth Management Advisor at Merrill Lynch Wealth Management. He collaborates with clients to develop personalized wealth management strategies that reflect their life priorities, family goals, and individual aspirations. His approach integrates investment insights from Merrill and banking and lending solutions from Bank of America to address the changing market conditions and clients’ evolving needs. Mr. Fleming brings experience as a former Foreign Exchange derivatives trader and holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from American University and communicates fluently in English and Spanish. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Active in his community, Christopher participates with the Croton Cortlandt Food Bank. He resides in Westchester, NY, with his wife and two sons and draws on his personal experience raising a family in the Northeast to inform his client interactions. Outside of work, he enjoys running, soccer, and yoga.

Anna Day is a financial advisor at Mass Mutual Investors Services with seven years of industry experience. She holds a Series 66 designation and has worked at MassMutual Life Insurance Company since 2018. In addition to her advisory role, she is a member of SKG Tax LLC, where she oversees operations, and a partner at Taxter Marketing, LLC, consulting on marketing and lead generation for advisors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning engagements and educational seminars, with a range of investment and planning services tailored to clients’ diverse needs.

Michael Carter is a financial advisor with Ameriprise, holding a Series 63 designation and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm offers a combination of advisory, brokerage, and insurance solutions, using a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Rachelle Gayer is a financial advisor with LPL Enterprise, holding a Series 63 designation and bringing nine years of industry experience. Her career includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as an extensive prior tenure with Carl Fischer / Theodore Presser. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, consulting, and access to various advisory programs and insurance products through its integrated platform.

Timothy Hanson is a CFP® professional with 25 years of experience in the financial industry. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Mauro Caringi is a financial advisor with MassMutual Investors Services based in Elmsford, NY. He holds the CFP® and ChFC® designations and has 32 years of industry experience. His career includes longstanding roles at Metropolitan Life Insurance Company and MetLife Securities Inc. He is also involved in an insurance brokerage focusing on individual and group life and health, as well as property and casualty insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual financial planning using advanced analytical tools and provides a range of programs including educational seminars and event-driven planning services.

Peyton Steitz is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Peyton works closely with clients to develop personalized strategies aimed at achieving their short-, mid-, and long-term financial goals. Services include general investing, retirement planning, and saving for unexpected expenses. Peyton also coordinates with Bank of America specialists to provide clients access to banking, credit, home financing, and small business solutions. Peyton's expertise lies in helping clients manage various financial priorities, ranging from purchasing a home and saving for college to caring for elderly parents and preparing for healthcare needs. As a Merrill Financial Advisor, Peyton engages in one-on-one consultations to define client goals and tailor portfolio strategies accordingly. Ongoing advice and portfolio adjustments are provided to accommodate changes in clients' circumstances. Peyton holds a Personal Investment Advisor (PIA) designation, a High School Diploma/GED from Manatee-Sarasota, and an Accredited Certificate from The Connecticut School of Broadcasting. Peyton is proficient in English and Spanish.

John Michael Picciano is a financial advisor at Morgan Stanley with four years of industry experience. He previously worked at Spartan Capital Securities, LLC, and has held roles outside finance in the travel and beverage industries. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm's planning process uses structured discovery and firm-approved tools, supporting clients with comprehensive financial and estate planning strategies.

Samuel Connelly is a financial advisor with Cetera in Armonk, NY, holding Series 66 and Series 63 licenses and two years of industry experience. His prior roles include positions at LPL Enterprise, The Prudential Insurance Company of America, and several other financial services firms. Before his advisory career, he worked in media with Dimidium Media and IBT Media. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Victoria Villodas is a Series 66-registered advisor with J.P. Morgan Securities, based in West Harrison, NY, with two years of industry experience. Prior to joining J.P. Morgan Securities and JPMORGAN Chase Bank, N.A., she held positions at SHL US LLC, Acs, and Gartner Group. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm offers services on a non-discretionary basis, allowing clients to retain final decision-making authority.

Thomas Nervegna is a financial advisor at Cetera with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and Cetera Wealth Services since 2013. Outside of his advisory work, he is actively involved in Masonic organizations, serving as secretary and past master in multiple lodges. Cetera Investment Advisers LLC is an SEC-registered firm offering services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients with a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kimberly Ferry is a CFP® and holds a Series 66 license with 22 years of industry experience. She is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously worked at First Republic Investment Management, Bank of America, and Merrill. Kimberly also serves as a trustee for her mother’s irrevocable trust. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

James Cirocco is a financial advisor with LPL Financial in Elmsford, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. His prior work includes roles at Lincoln Investment and Legend Advisory Corporation. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Vincent Tozzo is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 66 licenses with 14 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and methodologies.

James Craco Jr. is a financial advisor with LPL Enterprise LLC, holding Series 66, Series 63, and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Sentinel Asset Management, Colonial Life, Oppenheimer, Credit Agricole Securities, and TD Securities. He is also involved in a non-variable insurance business related to his advisory work. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering services through advisory and brokerage channels. The firm combines financial planning, model portfolio management, third-party asset management, and insurance product sales within an integrated platform.

Daniel Saalman is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he holds board positions with the MET CLUB FOUNDATION, Hospitality Financial & Technology Professionals, and serves as Treasurer for the Food and Beverage Association of America. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

James Farrell is a financial advisor with Ameriprise based in Ringwood, NJ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior experience includes roles at Edward Jones and Axa Advisors LLC before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in net investable assets, delivering annual, non-discretionary written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning, with an emphasis on assets held in Ameriprise-managed accounts.