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.

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.

Linda Schoff Coletti is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2023. She works closely with clients to develop and implement financial plans tailored to their goals and objectives, utilizing Fidelity's comprehensive resources. With over 25 years of experience in Wall Street and financial planning, Linda has held various roles including Financial Consultant at Fidelity Investments from 2018 to 2023, Vice President Investment Counselor at David Lerner Associates from 2016 to 2018, and Senior Vice-President Institutional Sales at Cantor Fitzgerald from 2001 to 2009. Her extensive background also includes positions such as Vice President Nasdaq Trading at Robertson Stephens & Company and Nasdaq Trader at Cantor Fitzgerald. Throughout her career, Linda has gained expertise in wealth growth, protection, and transfer, drawing upon her diverse experience across the financial services industry.

Carolina Mcgoey is a financial advisor at Morgan Stanley with a Series 66 designation and 16 years of industry experience. She has worked at Morgan Stanley since 2015, including seven years with Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved with The Real Real, Inc. and is a partner in Bayview 360 LLC, a rental property and recreation business. Morgan Stanley Wealth Management serves 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 structured planning tools alongside broad investment offerings.

Richard Catucci is a financial advisor at MassMutual Investors Services with 40 years of industry experience. He holds a Series 63 designation and has worked at MassMutual Investors Services since 2017, following a long tenure at MetLife Securities Inc. He also operates as an independent insurance agent specializing in life, accident, health, property, and casualty insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations tailored to clients' goals.

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.

Philip Johann is a financial advisor with Ameriprise, holding a Series 66 designation and three years of industry experience. He previously worked for American Portfolios Financial for ten years before joining Ameriprise. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized, non-discretionary advice supported by algorithmic automation and a centralized consulting team.

Kevin Demshak is a financial advisor with Fidelity, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His career includes long-term roles at various Fidelity entities since 2006 and a prior position at Citigroup Global Markets. Fidelity’s Strategic Advisers LLC serves a diverse client base, including retail and institutional investors, through investment management and advisory services that combine proprietary research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of fund-of-funds structures, and advisory roles with registered investment companies.

Frank Lawrence IV is a Series 66-credentialed financial advisor with 10 years of industry experience. He has worked at Wells Fargo Advisors since 2021 and was previously with Bank of America and Merrill from 2015 to 2021. Outside of his financial practice, he serves as head coach of a 7th grade boys youth lacrosse team in Riverside, CT and is co-owner of a retail store specializing in olive oils and vinegars. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of financial planning options including specialized services such as business-owner transition and special-needs planning. Advisors develop tailored recommendations using firm research and planning tools, with implementation through brokerage or advisory programs as optional.

Frank Heraghty is a financial advisor with LPL Financial in Stony Brook, NY, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His work history includes roles at Bethpage Federal Credit Union since 2019, LPL Financial since 2008, and Astoria Federal Savings and Ifmg Securities from 2006 to 2019. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Jessica Mcgovern is a financial advisor with RBC Capital Markets in Stamford, CT, holding a Series 66 designation and 11 years of industry experience. She has been with RBC Capital Markets since 2010. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing portfolio management, financial planning, custody, and brokerage services.

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.

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.

Michael Cousins is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Allstate Insurance Company and CitiGroup. He has been with Thrivent Financial and Thrivent Investment Management since 2021. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm’s planning services can be combined with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and management separate.

Leandro Fenster is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services, ShareBuilder 401K, Capital One Financial Advisors, Wells Fargo Clearing, Morgan Stanley, and Oppenheimer. He is also president of Ellipse Wealth Management LLC, a financial advisory business. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisors and multiple platforms. The firm provides integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct portfolios across a wide range of investment types.

Eric Bencivenga is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 12 years. Outside of advising, he is president of an inactive mortgage brokerage firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services through a large network of advisors and utilizes various investment strategies and technology tools to support client accounts.

Kevin Podell is a Financial Consultant at Fidelity, where he provides financial planning and advisory services. He leverages the resources available to Fidelity clients to develop, execute, and refine financial plans tailored to client goals. He has experience as a Financial Consultant at Fidelity since 2023 and previously worked as a Financial Advisor at Morgan Stanley from 2014 to 2023. Kevin holds a California Insurance License and is a Certified Financial Planner™. Kevin focuses on building lasting relationships by understanding the priorities of his clients to help them make informed financial decisions and plan for their futures.

Ronald Prendamano is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Bank of America, and Merrill. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing tailored recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary advice primarily for clients holding assets in Ameriprise-managed accounts.

Peter Halliwell is a financial advisor at Raymond James Financial with 42 years of industry experience. He has worked at Ameriprise Financial Services, Inc. for 32 years and has operated his own advisory business since 2004. Additionally, he serves as an independent contractor financial advisor at Hendel Wealth Management Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical modeling tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Kevin McAvoy is a financial advisor at Mass Mutual Investors Services with 43 years of industry experience. He holds Series 63 and Series 65 registrations. Prior to joining Mass Mutual in 2016, McAvoy spent 35 years at MetLife Securities Inc. He also works as an insurance agent specializing in property/casualty, life, disability, long-term care, health, and fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved software tools.