Ralph Paul is a financial advisor at Merrill with a Series 66 designation and three years of experience in the industry. His prior work history includes positions at Bank of America, Old Navy, and educational institutions such as Baruch College and Victory Collegiate High School. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alisson Nieto Reyes is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Reyes worked at Bank of America and Citibank. Reyes attended Baruch College from 2021 to 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jake Spano is a financial advisor at LPL Financial with Series 66 registration and one year of industry experience. Prior to joining LPL Financial, he worked at Wykagyl Country Club for seven years and held roles at Hommocks Park Ice Rink, Mamaroneck High School, and Hommocks Middle School. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered primarily through investment adviser representatives using a range of investment strategies.

Ahmed Khan is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at CitiGroup, Invest Financial Corporation, Essex National Securities, J.P. Morgan Securities, and Chase Investment Services. Outside of Morgan Stanley, he serves as a board member of Valence College Prep and participates as a member of FINRA’s CE Content Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs for individuals and institutions, focusing on tailored financial planning and a structured planning process supported by firm-approved tools.

Naftoli Horowitz is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked previously at J.P. Morgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he serves as director of BINA, a stroke and brain injury assistance organization, and is a writer for Artscroll Mesorah Publications. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s analyses.

Christopher Carella is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation. His prior work history includes roles at Provision Diagnostics, UPS, and a period of unemployment before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Benjamin Lee is a Series 66 licensed advisor with LPL Enterprise, LLC, based in Melville, NY. He has one year of industry experience and previously worked in accounting and various service roles. Benjamin’s background includes work at Youngsun Kang CPA PC and operational roles in the food service industry. LPL Enterprise, LLC serves individual and high-net-worth clients, retirement plans, banks, and charitable entities, offering financial planning, advisory services, and access to third-party asset managers. The firm’s investment approach is largely model-driven, utilizing portfolios developed internally and by external strategists.

Brett Liberman is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2019, advancing to his current role in 2022. Prior to joining Fidelity, he held the position of Vice President, Private Client Advisor at J.P. Morgan from 2018 to 2019, and worked as an Investment Executive at National Securities between 2014 and 2018. His professional experience encompasses wealth planning and investment consulting, focusing on helping clients achieve their financial goals through personalized guidance and utilizing a range of investment options. Brett is dedicated to leveraging Fidelity's resources to support clients' visions of financial success. Outside of his professional role, Brett enjoys a variety of personal interests including beach activities, family time, fishing, skiing, traveling, and spending time with pets.

Richard Brown is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an executor for an estate in Washington, D.C. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm employs structured planning tools and offers both direct client services and corporate financial planning agreements, managing approximately $2.74 trillion in client assets.

Rachel Heege Abode is a financial advisor at Cetera with 22 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at B. Riley Wealth Advisors, National Securities Corporation, and Gilman & Ciocia. Outside of her advisory role, she is also licensed as an insurance agent specializing in life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial arrangements.

Michael Parmiter is a Series 66-licensed financial advisor with Morgan Stanley in Garden City, NY, with four years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2021 and held a position at Ernst & Young from 2018 to 2021. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning relies on structured discovery and firm-approved tools, offering advisory services without individual security recommendations as part of standalone plans.

Khristal Slater is a Financial Advisor at Merrill Lynch Wealth Management. She works directly with clients to define their financial goals and develop portfolio strategies designed to help achieve them. Her approach involves ongoing advice and adapting portfolios as clients' situations change. Her areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Khristal holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of Technology. Outside of her professional work, Khristal enjoys gardening, interior decorating, music, and traveling. Her philosophy centers on uncovering what matters most to clients and their families to create strategies tailored to their financial goals.

Deanna Blandino is a financial advisor with OSAIC, holding a Series 66 license and 11 years of industry experience. She previously worked at Securities America Advisors and Securities America, Inc., and has operated Araneo Tax & Financial since 2014. She is also the owner of Tax and Relax Inc, an independent tax preparation and year-end tax planning business. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios, and supports various advisory platforms and legacy account transitions.

Luis Rodriguez is a financial advisor with J.P. Morgan Securities in Astoria, NY, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been with JPMORGAN Chase Bank, N.A. since 2007. 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. The firm combines institutional advisory services with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Jenna Aronoff is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Private Bank and Morgan Stanley since 2018. Prior to her advisory career, she was a student at SUNY Cortland and worked at La Bottega Italian Gourmet. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market modeling techniques.

William Castagna is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 21 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 13 years with METLIFE Securities Inc. Castagna also serves as an agent in health, fixed annuity, and individual life insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved analytical tools and offering various event-driven planning programs.

Susan Payton is a financial advisor with Morgan Stanley in Jericho, NY, holding Series 63 and Series 66 credentials and 45 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.

Petar Jordan is a financial advisor with Ameriprise in Merrick, NY, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he serves on a nonprofit Board of Directors. Ameriprise provides retirement-income planning services aimed at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Yonny Guaneme is a financial advisor with Primerica Advisors, holding a Series 63 designation and 19 years of industry experience. He has worked with PFS Investments, Inc. and Primerica Financial Services since 2006. Outside of advisory services, he is involved in the sales of loan products, home security, and automation services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-based strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Linda Zimmerer is a Financial Consultant at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 2022, progressing through roles including Financial Representative, Relationship Manager, and Planning Consultant. Her professional experience at Fidelity Investments has involved working closely with clients to develop financial plans that align with their goals and priorities. She focuses on building financial strategies that aim to provide peace of mind and security for individuals and their families. Linda is committed to positively impacting each person she partners with by guiding them through dynamic financial planning processes.