Larson Bennett is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America and Brown Brothers Harriman & Co, and has also been affiliated with Dartmouth College. 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.

John Guzzetti is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he helps individuals and families pursue their financial goals through personalized investment, retirement, and wealth planning strategies. He focuses on building lasting relationships and providing guidance tailored to each client's unique needs. John's expertise includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Indiana University. Outside of his professional work, John has interests in basketball, chess, pickleball, soccer, tennis, traveling, and spending time with his family.

Gregory Matzelle is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 63 designation and has 33 years of industry experience. Prior to joining Raymond James in 2019, he spent 10 years at Janney Montgomery Scott. He operates a support business, GNB Wealth Strategies Group, as an independent contractor. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning services supported by risk profiling and analytical tools, and it maintains unique capabilities in municipal advisory and SIMPLE IRA employer consulting.

Thomas Kenny is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities and Guardian Life Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Joseph Di Fusco is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 designations and has 27 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and is also involved with Casa Maria Grazia LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm offers its services on a non-discretionary basis and incorporates an ESG eligibility framework when recommending investment strategies.

Matthew Mandell is a financial advisor with Ameriprise in Melville, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Mandell serves on the Board of Directors for Appliance World. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which emphasizes dependable income sources and tax-aware withdrawal strategies.

Edwin Ayala is a financial advisor with Primerica Advisors based in Garden City, NY, holding a Series 63 designation and 27 years of industry experience. He has worked with Benchmark Realty & Management Corp., PFS Investments Inc., and Primerica Financial Services since the mid-1990s. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited selection of separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered, percentage-based wrap fee structure.

Jennifer Chase is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has worked at Primerica Financial Services since 2004 and PFS Investments Inc since 2017. Outside of her advisory role, she has been involved with the Screen Actors Guild and Actor's Equity for over 30 years. 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 under a wrap-fee structure.

Salvatore Aprile is a financial advisor with OSAIC, holding a Series 63 designation and over 32 years of industry experience. He previously worked at Signator Investors Inc. from 2001 to 2018 and has been with Royal Alliance Associates, Inc. since 2018. Outside of his advisory role, he is a part owner of an accounting and tax preparation firm and operates a sole proprietorship as an insurance broker. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines integrated brokerage and advisory services with multiple investment platforms, employing tools such as asset-allocation models and automated rebalancing to manage portfolios across various asset classes.

Michelle Zhang is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, TD Bank, and experience in medical group settings. She also has a background in education from Queens College. Merrill, along 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, and institutional entities, with portfolio implementation tailored to client needs and supported by internal and third-party investment teams.

Jordan Bolebruch is a financial advisor at Cetera with five years of industry experience. He holds the Series 66, Series 63, and Series 65 credentials. His prior experience includes roles at SVB Capital, Fortress Investment Group, Facebook, and Citigroup. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Arman Arneja is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2019. Prior to that, he was employed at OSMG International Auto Source from 2014 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm incorporates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework in its recommendations.

James Angwin is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes 14 years at TIAA-CREF prior to joining Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates firm-approved tools and modeling techniques.

Thomas Reagan is a financial professional with 35 years of industry experience. He is currently affiliated with Cetera and holds Series 63 and Series 65 designations. His prior experience includes roles at Kestra Advisory and Kestra Investment Services. In addition to his advisory work, he sells fixed insurance products as a licensed agent and operates Merrick Planning Group, where he focuses on educating and guiding families in all aspects of financial planning. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and consulting services through a multi-manager platform, providing access to affiliated and third-party managers across various program structures.

Jason Wachtler is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 2005 after graduating with honors from the University at Albany with a dual degree in Finance and Management Information Systems. Jason holds an MBA in Investments from Hofstra University, graduating Magna Cum Laude. He also holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his role, Jason coordinates all aspects of the wealth management process and develops customized investment management strategies. He works closely with clients to determine long-term financial goals and implement wealth management strategies through detailed planning. His approach considers factors such as risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. Jason's client focus areas include college education planning, divorce transition planning, legacy planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, sports and entertainment, tax minimization, and retirement income. Jason lives in Melville, New York with his wife and two sons. He is involved in the community through coaching his sons' youth sports during spring and fall seasons and participates in organizations such as Half Hollow Soccer and Little League.

Nick Arora is a Financial Consultant at Fidelity Investments, a position he has held since 2020. In this role, he collaborates with clients to develop retirement plans, investment strategies, and comprehensive financial reviews. His approach emphasizes working closely with clients and leveraging the resources and specialists available at Fidelity to provide comfort and peace of mind. Prior to joining Fidelity, Nick served as Director of Investments at the United Nations Federal Credit Union from 2018 to 2020. He also held positions as Senior Financial Consultant at TD Ameritrade from 2012 to 2018, and Account Executive at John Thomas Financial from 2010 to 2012. His 15 years of experience have focused on partnering with clients to pursue their financial goals through collaborative planning. Nick speaks Hindi, Punjabi, and Urdu. Outside of his professional work, his personal interests include beach activities, family activities, food, social events with friends, parenthood, and traveling.

Theodore Rogu is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds a Series 66 designation and has held positions at Mass Mutual Investors Services, MassMutual Life Insurance Company, and Morgan Stanley. Outside of his advisory role, he is co-owner of T&T Bedrock LLC, a real estate investment company focused on residential properties. Mass Mutual Investors Services 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, providing tailored strategies generally without investment discretion as part of planning engagements.

Tina Bakalas is a financial advisor with LPL Financial in Whitestone, NY, holding a Series 63 designation and 16 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Astoria Federal Savings. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Joseph Leone is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including J.P. Morgan Securities LLC, The Vanguard Group, and Charles Schwab Bank. Prior to his advisory career, he was employed at Empire Nutrition and Life Time. Charles Schwab serves a large client base primarily composed of 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 offers a blend of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a comprehensive alternative investment selection process.

Lawrence Schimel is a financial advisor with Ameriprise in Plainview, NY, holding a Series 63 designation and bringing 56 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.