John Murphy is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at American Portfolios Advisors, Inc., American Portfolios Financial Services, Inc., and HSBC Bank USA, N.A. Murphy is also engaged in insurance-related activities, including fixed annuities and insurance sales. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using a variety of investment strategies and platforms, including access to third-party money managers and model portfolios.

Stephen Pendergast is a financial advisor with RBC Capital Markets in Stamford, CT, holding Series 63 and Series 66 licenses and 40 years of industry experience. His prior roles include positions at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm integrates a variety of investment managers and strategies to meet client risk profiles and provides access to alternative investments and affiliated capital markets capabilities.

Thomas Ruiz is a Series 66 licensed financial advisor with UBS Financial Services in Stamford, CT, holding 18 years of industry experience. He has been with UBS and its affiliates since 2005. Outside of his advisory role, Ruiz is a partner and owner of VERO MOREAU LLC, a business focused on image consulting, fashion styling, and merchandising. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based strategies to tailor plans to clients’ goals. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Alexander Strukov is a CFA® charterholder with 16 years of industry experience, currently serving as a financial advisor at Stifel since 2013. He holds a Series 63 license and is based in Stamford, CT. Stifel serves a diverse client base including individuals, institutions, and municipalities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

Paul Donato is a financial advisor with LPL Financial, holding a Series 63 designation and 17 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities, Inc. LPL Financial serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Aaron Morgenstern is a CFP® with 10 years of industry experience currently advising at Ameriprise in Valhalla, NY. He has held positions at Ameriprise since 2018 and previously worked at Keybank, JPMorgan Securities LLC, and JPMorgan Chase Bank. Morgenstern has also been affiliated with the State University of New York at New Paltz since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Patricia Cavicchia is a financial advisor at Merrill with 40 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill Lynch Pierce Fenner & Smith since 2000. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jeffrey Chin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2000 and works with corporate employees, business and real estate owners, affluent individuals and their families to develop and implement disciplined investment and borrowing strategies for wealth growth and preservation. His approach emphasizes understanding clients' life priorities to create personalized financial plans. Prior to joining Merrill Lynch, Jeffrey worked in corporate credit and treasury departments for a major automotive manufacturer, where he gained experience in cash flow management which informs his planning and investment philosophy. He has a particular focus on workplace retirement plans, working with employers to evaluate 401(k), profit-sharing and defined benefit plans, select investment menus, and provide educational presentations. Jeffrey holds a Bachelor of Science degree in Business Management from the State University of New York at Buffalo and a Master of Business Administration in Finance from Baruch College. He has earned several professional designations including Chartered Financial Analyst (CFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is also a member of the New York Society of Security Analysts.

Gregory Sinno is a financial advisor with Cetera, holding a Series 63 designation and possessing 29 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, following a 23-year tenure at Foresters Financial. Outside of his advisory role, he serves as a trustee for Parents Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial consulting services through a multi-manager platform with discretionary and non-discretionary options.

April Mathew is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Hailey Opperman is a financial advisor with Morgan Stanley in Wellesley, MA. She holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Pfizer and attended Syracuse University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support client outcomes.

Brendon Keady is an Investment Consultant at Fidelity Investments, where he works to help clients achieve their financial objectives. He focuses on understanding clients' visions and assisting them in constructing meaningful investment strategies. Brendon has been with Fidelity Investments since 2023, progressing from Customer Relationship Advocate to Investment Solutions Representative, and currently serves as an Investment Consultant. This experience has provided him with insight into client relations and investment solutions. Outside of his professional role, Brendon has interests in baseball, fitness, golf, food, and traveling.

Kyle Robison is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley since 2021 after completing his education at Pennsylvania State University. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and emphasizes advisory services without providing individual security recommendations as part of standalone plans.

Paul Eshleman is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has prior experience with firms including LPL Enterprise, Prudential Advisors, and PNC Financial Services Group. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Steven Kyriakos is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 14 years at UBS Financial Services. He holds Series 63 and Series 65 licenses and serves as a trustee/co-trustee in a trust capacity outside his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Daniel Baez Fernandez is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2022. His prior work experience includes roles at EY Parker Logistics, J. Crew, and Forte Capital Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm’s planning process uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Robert Hanes Jr. is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include 14 years at Citigroup Global Markets before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs structured financial planning tools and offers a range of investment and wealth management services.

Michael Moskowitz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He started his career in 1986 with a vision to provide clients with customized strategies and services tailored to their individual financial circumstances. Michael supervises all areas of the client servicing process and leverages his CERTIFIED FINANCIAL PLANNER® certification to assist clients in navigating the complexities of their finances. His practice focuses on addressing clients' complex financial and family circumstances to help them pursue or maintain financial independence. Michael has extensive experience offering services such as Corporate Executive Services, Education Planning, Employee Benefits Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, and Socially Responsible, Values Based, and ESG Investing. He has been recognized consecutively on the 2023-2026 Forbes "Best-in-State Wealth Advisors" list. Additionally, he supports clients with their investment, banking, and mortgage needs, and represents business owners and executives for corporate lines of credit as well as investment banking efforts for strategic acquisition or succession planning. Michael earned a Bachelor's Degree from American University and a High School Diploma from Islip High School. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He grew up in Islip, NY, and currently lives in Stamford, CT with his wife Leslie and their two children, Roni and Russell. Michael's personal interests include boating, fishing, classic cars, attending sporting events, cooking, music, spending time with family, and traveling. He follows the Merrill tradition of community participation and spends time volunteering with organizations in his community.

Frank Dedio is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his industry experience in 2025. Prior to joining LPL Financial, he was involved with Kraner, LLC and has held other roles including work with B2Btally, LLC, The Tally Strip, Florida State University, Wayne Valley High School, and Anthony Wayne Middle School. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from various sources.

Elizabeth Abikaram is a financial advisor with Morgan Stanley, holding a Series 66 designation and ten years of industry experience. Her prior work includes positions at JPMorgan Chase Bank, JPMorgan Securities, and Merrill. 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 supported by firm-approved tools and analysis from its Global Investment Committee.