Norma Montalvo is a financial advisor at UBS Financial Services with 22 years of industry experience. She has been with UBS since 2008 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a diverse set of capital markets services.

Don Mathieson is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Outside of advising, he is involved in providing group health insurance, long-term care insurance, and life insurance renewals through a separate business activity. Cetera is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs, operating a multi-manager platform that supports various discretionary and non-discretionary strategies.

Joseph Centra is a financial advisor with LPL Financial, holding a Series 63 designation and 37 years of industry experience. He previously worked at H. Beck, Inc. for 26 years and co-founded Grove Point Investments, LLC and Grove Point Advisors, LLC. Outside of his advisory work, he is involved with Allocation Resource Group, LLC, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and extensive research resources.

Mark Carruthers is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has been affiliated with Cetera and Cetera Financial Specialists LLC since 2005 and has operated Hudson Valley Financial Services since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Tomomi Trudell is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 66 and Series 63 credentials and has worked with J.P. Morgan Securities since 2012 and J.P. Morgan Chase Bank, N.A. since 2009. 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 applying an ESG eligibility framework in its investment process.

Michael Tutino is a financial advisor with Wells Fargo Clearing in Greenwich, CT, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo firms since 2016. Outside of advising, he holds a minority ownership in a restaurant business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Anastasija Majauskas is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 63 and Series 66 licenses. Her prior experience includes work at Cognizant Softvision and iMG Development LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its clients’ financial plans.

Scott Lanz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Kyle Brandstetter is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has held roles at several firms, including Asterion Wealth Advisory Group and LPL Financial. Outside of finance, his background includes work in hospitality and athletic club management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Frank Calderone is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is a bass player for the band HeadFirst and also owns Calderone Financial Services, Inc., a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports a range of advisory programs alongside specialized municipal and employer advisory services.

Lester Dean Jr. is a financial advisor with Morgan Stanley in Stamford, CT, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, GYL Financial Synergies, Resnick Advisors, and Northcoast Asset Management. 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 firm-approved methodologies in its financial planning process.

Mary Dunne is a financial advisor with LPL Financial in Pearl River, NY, holding a Series 63 designation and over 42 years of industry experience. She has been with LPL Financial, formerly Linsco/Private Ledger Corp., for 30 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Michael Meringolo is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His prior roles include positions at Equitable Advisors, Southern Table, and PuroClean of Northern Westchester. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Kevin Bertoncin is a financial advisor at RBC Capital Markets with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including UBS Financial Services, Fidelity Brokerage Services, and TD Ameritrade. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, implementing tailored investment strategies through a combination of in-house and third-party managers.

Evelyn Vera is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has previously worked at J.P. Morgan Securities, Primerica Financial Services, and PFS Investments Inc. Outside of her advisory role, she is the owner of Vera Business Solutions, LLC, a company established for administrative consultative services, though it is currently inactive. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Stephen Wolanske is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies tailored to clients' individual goals, with expertise in areas such as college education planning, divorce transition planning, family wealth management, liquidity management, managing new wealth, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Stephen holds a Bachelor's Degree from Southern Methodist University and a High School Diploma from Brunswick School in Greenwich, CT. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Committed to community involvement, Stephen participates in local volunteer activities aligned with Merrill’s tradition of community service.

George Mitchell Jr. is a CFP®-certified financial advisor with 41 years of industry experience. He is currently with MassMutual Investors Services and previously worked for The Windmill Group, Inc. He also maintains an outside insurance brokerage focused on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC 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, emphasizing collaborative annual planning relationships and a range of event-driven planning services.

Elizabeth Meyer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 14 years of industry experience. She worked at Key Investment Services LLC for five years before joining Wells Fargo in 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Anthony Pauline is a financial advisor at LPL Enterprise with 38 years of industry experience. He holds a Series 63 designation and has a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is an NFL Draft analyst and author. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party asset management, and integrated financial product offerings.

Carleigh Mahoney is a financial advisor at Morgan Stanley with two years of industry experience. She holds Series 63 and Series 65 licenses and previously attended Northwestern University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, with an emphasis on advisory services rather than individual security recommendations.