John Froberg is a CFP® with nine years of industry experience, currently serving as a financial advisor at Osaic Wealth. His prior roles include positions at SagePoint Financial, Hightower Advisors, and Lincoln Financial Advisors. Outside of his advisory duties, he engages in public speaking through a sole proprietorship focused on creating and delivering presentations. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a multi-advisor platform integrating discretionary and third-party strategies.

Russell Noletto is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior roles include positions at G.distributors, LLC, Raymond James Financial Services, Inc., and Regions Bank, among others. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Dinehart is a Series 66-registered financial advisor with Equitable Advisors, based in Melville, NY, and has 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he acts as trustee for an irrevocable trust established for his parents. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of third-party asset managers and advisory programs and provides ERISA fiduciary services to qualified plans through credentialed representatives.

Michael Galardi is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at UBS Financial Services, Northwell Health, and Leviton Manufacturing Co. Outside of finance, he officiates Little League baseball games in Nassau and Suffolk counties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios.

Karen Manley is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2011, including a brief tenure at BofA Securities in 2019. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Clinard Jr. is a financial advisor at Cetera with 56 years of industry experience. He holds the Series 63 and Series 65 designations. His work history includes long-term roles at North Shore Capital Management Corp. and North Ridge Securities Corp., and he also serves as an advisor for North Ridge Wealth Planning LLC. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Thomas Dougherty is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously with VOYA Financial Advisors for seven years. Dougherty is an owner of Blue Chip Financial and serves on the boards of the Ancient Order of Hibernian, The Spirt of Huntington Art Center, and the LIEG business networking group. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management.

Christofer Ferrugiari is a financial advisor with OSAIC in Melville, NY, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at Sii Jhfn for nine years before joining OSAIC in 2018. Outside of his advisory role, he works as an insurance broker specializing in life, annuities, long-term care, and disability insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization using risk-tolerance assessments and rebalancing tools, supported by a complex affiliate network and private-equity ownership.

Susan Whitcomb is a CFP®-certified financial advisor with 31 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. She holds Series 63 and Series 65 licenses and is based in Asharoken, NY. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jeffrey St. Simon is a financial advisor with Equitable Advisors holding a Series 66 designation and three years of industry experience. His prior work includes roles at Toshiba Business Solutions, Memorial Sloan Kettering, and Prompt Business Solutions. Equitable Advisors serves individuals across a range of wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm’s approach involves assessing client risk tolerance and matching them to appropriate program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Michael Hughes is a financial advisor at Ameriprise with the Series 66 designation and over 20 years of experience in the industry, including roles at Deloitte & Touche and BDO USA. He has been with Ameriprise since 2026. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Cole Block is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing wealth management services that focus on retirement planning, investment management, liquidity, concentrated wealth, real estate, and estate and legacy planning. Cole works closely with individuals, families, business owners, and real estate owners to understand their financial situations and goals. With seven years of experience in financial services, Cole holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He graduated from Syracuse University in 2019 with a bachelor's degree. Cole emphasizes building lasting relationships through personalized financial planning, thoughtful conversations, and a clear understanding of each client's priorities. Outside of his professional work, Cole enjoys fitness, football, basketball, boating, gardening, and spending time at the lake in New Hampshire during summer.

Scott Burns is a financial advisor with Merrill in Melville, NY, holding a Series 66 designation and 13 years of industry experience. He has worked with Merrill since 2003 and is also associated with Bank of America, N.A. since 2012. 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 serves individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Michael Solomon is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 23 years of industry experience. His work history includes roles at VIP Ventures NJ LLC, Eagle Chevrolet, PFS Investments Inc., and Primerica Financial Services. Outside of investment advisory, he is involved in sales of home-related products through affiliated companies, including mortgage loan products and home security services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm focuses on a tiered wrap-fee structure and curates third-party asset managers, delegating trading to BNY Mellon Advisors.

Mark Harris is a financial advisor with Osaic, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years and Investors Capital Corp. for ten years. Harris is also involved in selling insurance as part of his comprehensive client advice. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.

James Davis is a financial advisor with Equitable Advisors and holds the Series 63 and Series 66 licenses. He has 29 years of industry experience, having previously worked at VOYA Financial Advisors, Voya Financial Partners, and TD Ameritrade. He is also associated with The BlackOak Group, LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models, often delivered through third-party sponsors, and offers ERISA fiduciary services through credentialed Investment Adviser Representatives.

John Luisi is a financial advisor at Wells Fargo Advisors in Melville, NY, with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2015. Luisi is also the owner of AML Strategic Capital Inc., an investment-related business based in West Islip, NY. Wells Fargo Advisors is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory services with other financial products and referral channels.

Claire Fitz is a CFP® and holds a Series 66 license with 11 years of industry experience. She has worked at Ameriprise since 2020 and previously held roles at UBS Financial Services from 2015 to 2020. Fitz is also involved with Certainty of Uncertainty, LLC, an advisor-owned entity focused on managing her practice. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Christopher Mancini is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and bringing 29 years of industry experience. His career includes 28 years at Pruco Securities, LLC, followed by roles at MassMutual Life Insurance Co and Mass Mutual Investors Services since 2025. He is also involved in outside insurance sales and owns two small business entities that provide administrative support. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that focus on goals-based recommendations rather than specific product selections.

Martin Ganzekaufer is a financial advisor with Wells Fargo Advisors in Melville, NY, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Ganzekaufer also has ownership interests in several investment-related entities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and develops tailored recommendations using proprietary research and tools, with implementation options available through brokerage or advisory programs.