Kristen Koluch is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Raymond James since 2015 and previously spent 12 years at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Yechezkel Kasnett is a financial advisor at Cetera with eight years of industry experience. He has worked at various Cetera entities since 2015 and previously spent eleven years with Michael S. Frohlich. Outside of his advisory role, Kasnett teaches Talmud to adult learners each morning. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party investment managers.

Fernando Remigio Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. Outside of his financial advisory role, he owns and operates Skyline Ent DJ & Music Production, a company providing music entertainment for private events and venues. J.P. Morgan Securities LLC offers investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sean Martin is a financial advisor at J.P. Morgan Securities with two years of industry experience and holds a Series 66 designation. His prior roles include employment with Equitable Advisors and various sports and recreation-related ventures. Outside of finance, he is involved in sports management through Martin Sports Ventures LLC and ULAX, LLC, which organizes a men's lacrosse league, and he works as a ski instructor at Campgaw Mountain Ski Area. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver non-discretionary advice.

Mary Tompkins is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management in White Plains, New York. She leads a team that works with a diverse group of clients to help them identify their financial goals, advance those objectives through strategic planning, and maintain focus on their long-term aspirations. With over three decades of experience in financial services, Mary prioritizes her clients' interests and needs through hands-on assistance. Her expertise includes college education planning, personal retirement planning, women and wealth management, and retirement income. She values educating clients about their opportunities while alerting them to potential challenges, and she tailors her approach to each client's unique circumstances, including individual dreams, timeframes, family dynamics, and risk tolerance. Mary holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her educational background includes a High School Diploma from Carmel High School and an Associate's Degree from Dutchess Community College. Outside of work, she enjoys adventure sports, camping, hiking, running, volleyball, and spending time with her husband, two daughters, and three grandchildren.

Sudip Mukherjee is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS since 2017, following a 14-year tenure at MBIA Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm offers a broad range of services including portfolio management, financial planning, and capital markets activities.

Michael Mazzilli is a financial advisor with Ameriprise, holding CFP® and ChFC® designations and over 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is involved in independent insurance brokering focused on fixed annuities. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Vincent Paone is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the Series 63 designation and has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016. Prior to that, he was with Metlife Securities Inc. for 20 years. He is also involved in insurance sales, focusing on individual and group life, health, property/casualty, and identity theft services. 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 client relationships around collaborative annual planning engagements using firm-approved analytical tools.

Ruhi Unwalla is a financial advisor at J.P. Morgan Securities with five years of industry experience. She has held roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at ASK Wealth Advisors and Redbridge - Debt & Treasury Advisory. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Galgano is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior work includes 14 years with Securities America Advisors and Securities America, Inc. Galgano is involved with Prestige Wealth Group LLC and G2 Financial LLC outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jared Lynne is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he owns and consults through JLYNNE CONSULTING LLC. Ameriprise serves individuals approaching or in retirement, typically with at least $1 million in investable assets, offering retirement-income planning that includes written Recommendation Reports addressing income sources and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advice, delivered through a centralized consulting team.

Ronald Langus is a financial advisor with Equitable Advisors, holding a Series 65 credential and bringing 56 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and serves on the Board of Trustees for The Wimbledon Condo in White Plains, NY. Langus is also involved with the Jewish Federation of the Desert and the UJA Federation of the Desert as a director. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs, including third-party managed portfolios, and serves both non-high-net-worth and high-net-worth clients.

Darnel Shillingford is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at JPMorgan Chase and Ace and the Writing Services. Outside of finance, he is the author of the book *Financial Student Athletes* and is involved in its distribution and presentations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Robert J. Tarpey, CFA®, is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Manager at Merrill Lynch Wealth Management, where he has been since 2004. He oversees asset management for The Tarpey Barry Group and has experience serving the asset management needs of high net worth and ultra-high net worth families, endowments, and foundations, as well as developing financial strategies for institutions in sectors including alternative investments, healthcare, legal, manufacturing, not-for-profit, real estate, and technology. As a Senior Portfolio Manager, Mr. Tarpey manages discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His investment approach covers traditional and alternative instruments across multiple asset classes and markets, including domestic, international, and emerging markets. He holds a bachelor's degree from Fordham University and the Chartered Financial Analyst® designation. He is also a member of the CFA® Institute® and the Stamford CFA® Society.

Patricia Ela is a financial advisor at Cetera with 36 years of industry experience. She holds a Series 65 designation and has been with Cetera Wealth Services, LLC since 2013, continuing with Cetera since 2023. She is the owner of Ela Financial Group, Inc., a financial planning practice, and serves as board president of a local homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating as a multi-manager platform with discretionary and non-discretionary options.

Marisa Ingraham is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds the CFP® and Series 66 designations. Prior to joining RBC Capital Markets and City National Bank in 2025, she worked at UBS Financial Services for 10 years. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, corporations, and charitable organizations. The firm offers a variety of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Jason Elfenbein is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His career includes roles at Bank of America and Quick & Reilly, Inc., with over 15 years at Bank of America and 17 years at Merrill. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

David Diehl Jr. is a CFP®-designated financial advisor with LPL Enterprise, bringing 31 years of industry experience. He has worked extensively at Prudential Insurance Company of America and Pruco Securities, LLC since 1995. Outside of his advisory role, he is involved in delivering Sunday morning sermons at a church in White Plains, NY. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Michael Mathias is a CFP® professional with 41 years of industry experience. He is currently with Cetera and has held prior roles at Summit Financial Group Inc. and other firms. Mathias serves as chairman of Interstate Financial Group, a dormant RIA, and also holds leadership roles in insurance-related businesses. Cetera Investment Advisers LLC is a large SEC-registered firm that provides services through a nationwide network of independent advisors. The firm serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering various portfolio management and financial planning solutions across multiple program structures.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with Primerica Advisors since 2013 and Primerica Financial Services since 2012. In addition to her advisory role, Moore receives compensation for referrals related to home security and automation products through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.