Ryan Faley is a CFP® professional with 28 years of experience in the financial services industry. He is currently with Equitable Advisors and has prior experience at AXA Advisors, Bank of America, Merrill Lynch, and First Service Residential. Ryan holds Series 63 and Series 66 licenses. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through a dual registration as both an SEC-registered investment adviser and a broker-dealer.

John Sassone is a CFP® professional with 45 years of industry experience, currently serving as a financial advisor at Stifel since 2025. Prior to joining Stifel, he worked at Janney Montgomery Scott for 17 years. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

Michael Papadoulis is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at MBSC Securities Corporation for 15 years. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Luke Kirschbaum is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Northwestern Mutual and several positions outside the financial industry, as well as periods focused on full-time education. Charles Schwab & Co., Inc. 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 combination of non-discretionary and discretionary investment management supported by a multi-asset model portfolio approach and centralized operational structure.

Frank Iacovano is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and three years of industry experience. His prior experience includes roles at Bank of America, Merrill, and Northwestern Mutual. Outside of finance, he has worked in the restaurant industry. 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 for its recommendations.

William Phillips is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 registrations and previously worked at Sii Jhfn for eight years before joining OSAIC in 2018. Outside of his advisory role, he serves as an insurance agent focusing on life insurance and annuities and markets his services under the DBA Client Focused Advisors, where he holds a vice president position. OSAIC serves a broad mix of retail and institutional clients, including individual investors, pension plans, and charitable organizations, through a large network of affiliated financial advisers. The firm offers integrated brokerage and advisory services with an emphasis on asset allocation tools, risk-tolerance assessments, and diversified portfolio construction that includes various securities and alternative investments.

Rafael Aliaga is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 and Series 63 registrations and has worked at J.P. Morgan Securities since 2021. Prior to this, he was employed at JPMorgan Chase Bank, N.A., Advantage Wholesale Supply, and Kohl’s. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its recommendations.

Sean Russell is a financial advisor at Stifel with two years of industry experience. He holds a Series 66 designation and previously worked in education and public service, including roles at High Point University and as an ocean lifeguard for the Town of Oyster Bay. Stifel serves a broad range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary methodology for investment analysis and asset allocation developed by its Investment Strategy Group.

Joseph Cardino Jr. is a financial advisor with Primerica Advisors in Copiague, NY, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advising, he is involved in managing a Primerica-related legal entity and owns a company that leases office space for Primerica operations. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of its investment models.

Michael Milillo is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several firms, including Avantax Advisory Services and Mass Mutual Life Insurance Company. Milillo is also the Chief Executive Officer of Milillo Capital Management Inc., where he provides investment planning, retirement planning, estate planning, college planning, tax planning, and financial planning services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services supported by a nationwide network of more than 10,000 advisors.

Edward Oesterle is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 2013, alongside a tenure at Bank of America dating back to 2011. 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 and profit-sharing plans, corporations, and charitable organizations.

Patricia Morrissey is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career at Merrill Lynch in 1998 as a legal assistant in the Office of General Counsel and transitioned to the Islip office in 2000 as a Registered Client Associate. Since 2004, she has worked as an Analyst-Investments, implementing discretionary model portfolios, reviewing client asset composition and allocation, administering equity and options trading, and managing trust and estate matters. Throughout her career, Patricia has focused on delivering personalized, high-touch service tailored to client needs. She supports clients in adapting to Merrill's technological applications, including MyMerrill and MyMerrill mobile apps. Patricia holds professional designations including Certified Investment Management Analyst (CIMA), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). Patricia graduated magna cum laude from SUNY Albany with a Bachelor of Science degree in Business Administration/Finance. Outside of work, she is active in community involvement and charitable activities, including participation in marathons and support for the Leukemia and Lymphoma Society.

Andrew Paczkowski is a financial advisor with Charles Schwab in Garden City, NY, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. His career includes roles at Scottrade, Inc., TD Ameritrade, Inc., and Charles Schwab Bank SSB. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment options along with integrated brokerage, custody, and financial planning services.

Jonathan Kaynes is a financial advisor with Morgan Stanley in Jericho, NY, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Morgan Stanley since 2013, including time spent at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Rachel Coronel is a Financial Advisor at Merrill Lynch Wealth Management, specializing in guiding individuals, medical professionals, and business owners through personalized financial strategies. She focuses on understanding each client's unique financial goals and investment style to build individualized plans that reflect their needs. Rachel's approach centers on collaboration and maintaining discipline to help clients pursue their objectives effectively. With 19 years of experience in financial services, Rachel's expertise encompasses education planning, legacy planning, managing new wealth, personal retirement planning, small business strategies, socially responsible and values-based investing, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. She holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in political science from Columbia University. Rachel is actively involved in community organizations focused on education, mentorship of young women, Latino businesses, and autism awareness. She speaks English, French, and Spanish, and lives on Long Island with her husband and their three bilingual children.

Jason Sanders is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves individuals and institutional clients by offering various advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by its Global Investment Committee’s return estimates and modeling tools.

Efrain Fernandez is a financial advisor with Ameriprise in Garden City, NY, holding Series 63 and Series 66 credentials and 29 years of industry experience. His prior experience includes roles at Edward Jones, a funds distributor, and Mirae Asset. Outside of finance, he manages the finances of a hair salon and performs as a musician in a corporate and wedding band. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through a centralized service team that collaborates with advisors to provide ongoing, tax-aware withdrawal strategies.

Daniel Hanwacker Jr. is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Securities for 10 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and investment models.

Sean Vail is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works with Jpmorgan Chase Bank, N.A. since 2018. 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 large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Daniel O’Connell Jr. is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously was employed at Precise International. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.