Scott Koppelman is a Senior Financial Advisor with Merrill Lynch Wealth Management, affiliated with Bank of America. He brings a comprehensive approach to managing wealth that emphasizes understanding each client's individual needs and goals. Scott provides access to investment insights and banking services to address various aspects of clients' financial lives. Scott began his career on Wall Street in 1979, during a period of significant market challenges. Over the years, he has gained experience in diverse areas, including college education planning, family wealth management, retirement planning, portfolio management, legacy planning, and investment consulting for defined contribution plans. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his bachelor's degree from Hofstra University. Scott also participates in community volunteering as part of the Merrill tradition. His personal interests include baseball, boxing, music, and spending time with his family.

Joseph Muro is a financial advisor at Stifel with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2020. Since 2020, he has been with Stifel Nicolaus & Co Inc in Melville, NY. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is supported by proprietary analysis and allocation methods developed by its Investment Strategy Group, which inform client planning without guaranteeing outcomes.

Mark Derosa is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research Advisors since 2013 and J. Peat & Associates since 1999. Outside of his advisory work, he is involved in multiple entrepreneurial ventures, including founding a board of trustees for the Woodhaven Foundation and participating as a board member of the Entrepreneurs Organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base with financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm delivers services through a network of independent financial professionals and offers both proprietary and third-party model strategies tailored to client objectives across multiple platforms and custody arrangements.

Jamie Camhi is a financial advisor at Merrill with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Merrill since 2009. Camhi also has a long tenure at Bank of America, spanning over two decades. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Fruchter is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Cetera and its affiliates since 2013 and has operated his own advisory practice since 1982. Outside of his advisory work, he serves as vice president and main preparer at Mutual Income Tax Service Inc. and acts as a trustee for a family trust. Cetera Investment Advisers LLC is an SEC-registered firm that 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 financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Eric Sanchez is a financial advisor with Wells Fargo Clearing in Woodbury, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and also works with Wells Fargo Bank NA. Outside of finance, he works as a customer service representative at Nordstrom Rack. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broad range of investment vehicles including insurance-related products.

Charles Mccann is a financial advisor at LPL Enterprise with eight years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including The Prudential Insurance Company of America, Pruco Securities LLC, and MML Investors Services, LLC. Outside of his advisory role, he coaches basketball skill development through Offseason LLC and serves as a first responder with the FDNY. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios from LPL’s Research Department and third-party strategists, and offers financial planning, access to asset managers, and insurance product sales through affiliated entities.

Dedghra Christie is a financial advisor at Edward Jones with nine years of industry experience. She holds Series 63 and Series 66 designations and has worked at Edward Jones since 2022. Her prior roles include positions at Rocket Mortgage, Prudential Annuities Distributors, and Drexel University. Outside of financial services, she has worked as a sortation warehouse associate for Amazon. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a range of households and corporate clients. The firm offers various investment strategies, managed solutions, and affiliated funds, operating under a fiduciary standard with over one trillion dollars in assets under management.

John Vigh is a financial advisor with Morgan Stanley in New York, NY, holding a Series 66 designation and seven years of industry experience. His prior work includes positions at Citigroup and Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment services.

Julia Bellontine is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, she worked in various roles including positions at Paramount Placement and in the food service industry. 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 portfolio programs, and access to third-party asset management, supported by a network of over 22,800 investment adviser representatives.

Jose Novoa is a financial advisor with Mass Mutual Investors Services in Newington, CT, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at Mass Mutual Investors Services since 2020 and at Mass Mutual Life Insurance Company since 2019. Prior to this, he was employed at the University of Connecticut and Stew Leonards. Novoa is also a licensed agent for life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements using firm-approved tools and delivers written recommendations without investment discretion.

Vince Zorskas is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Citigroup, M&T Securities, E*TRADE Capital Management, and Wells Fargo Clearing. Outside of his advisory work, he was involved with Lax Out Loud LLC for eight years. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology and oversight of substantial discretionary assets.

Thomas Mc Guire is a Series 66-licensed financial advisor at Equitable Advisors with one year of industry experience. Prior to joining Equitable Advisors in 2026, he worked at Flagstar Bank and has held positions at various educational institutions. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Ronald La Serra Sr. is a financial advisor at Cetera with 17 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior firms include National Life, LPL Financial, and Webster Investments. Outside of his advisory work, he officiates youth and high school football and lacrosse and serves as a FINRA arbitrator; he is also chancellor at the Knights of Columbus, involved in member recruitment and insurance sales. 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 range of investment management and financial planning services with multiple program structures and a platform that allows advisors to utilize affiliated and third-party managers.

Terence Higgins Jr. serves as a Wealth Management Advisor within Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals through a thoughtful understanding of each client's full financial picture. His areas of expertise include family wealth management strategies, legacy planning, personal retirement planning, socially responsible and ESG investing, and addressing the wealth management needs of women. Terence is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He holds a Bachelor's Degree from Hofstra University. Terence values building meaningful relationships with families and finds fulfillment in working alongside them to help realize their wealth and life objectives. He resides in Manhasset with his wife, Deirdre, and their young children. Outside of his professional pursuits, he enjoys boating, golfing, ice hockey, and spending time with his family.

John Traynor is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has worked previously at Fiduciary Trust International, Northwestern Mutual Investment Services, and other firms. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Michael Montuori is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a three-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Susan Mulvehill is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has held positions at EVO Payments International, UBS Financial Services, Wells Fargo Clearing, and Morgan Stanley & Co. LLC. Outside of her advisory work, she is involved in Parts and Labor Design, a manufacturing and contracting business based in New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and firm-approved tools to support client goals.

Douglas Riccitelli is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Citizens Securities Inc. for 24 years before joining LPL Financial and Flagstar Bank in 2023. 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 portfolio programs, and institutional platforms, supporting advisors with research, technology, and a broad suite of non-advisory financial products.

Hugo Santos is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012, also affiliated with JP Morgan Chase Bank since 2011. 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 a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.