Stanley Wong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 50 years of industry experience. He has worked with Cetera and its affiliates since 2016 and previously with TD Wealth Management Services Inc. from 2002 to 2003. Outside of his advisory work, he serves as a trustee for the Parish of Sacred Heart - St. Patrick. Cetera Investment Advisers LLC is a nationwide, SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering various portfolio management and financial planning services.

Richard Nappi Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. 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 delivers its advisory services alongside affiliated brokerage and investment management capabilities.

Daniel Vobroucek is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and has worked previously at Securities America Advisors and Quest Financial Services. Outside of his advisory role, he is a registered notary public in New York and conducts sales and consulting activities unrelated to investments. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, and corporations, offering integrated brokerage and advisory services. The firm’s advisers use various asset-allocation tools and third-party platforms to manage diversified portfolios on both discretionary and non-discretionary bases.

Francine Foerst is a financial advisor at Stifel with 36 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a diverse client base including individuals, institutional clients, 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 employs forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Armando Merino is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and 17 years of industry experience. He previously worked at Axa Advisors, LLC for 11 years before joining Ameriprise in 2020. Merino is also a co-owner of Arbor Capital Wealth Advisors, where he manages an advisory business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning with tax-aware withdrawal strategies and ongoing advice.

Jimmy Kuka is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior work includes positions at RBT Wealth, Altium Wealth, and The Shark Group. He has a background that includes long-term full-time study as well as experience in non-financial roles such as at Kuka Heating and Cooling and Yankee Clipper Diner. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and portfolio management techniques across various investment types.

Gregory Mirecki is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at OSAIC since 2023, following six years with Fsc Securities Corp and 20 years at SII Investments, Inc. He also operates Ferrigno Financial, providing financial advising services, and acts as an insurance agent soliciting fixed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Frank Matthews is a financial advisor with Primerica Advisors in Middletown, NY, holding a Series 63 designation and 17 years of industry experience. He has worked with PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. Outside of investment advisory, he is involved in sales of loan products through Primerica Mortgage, LLC, and referrals for home security and automation services via a Primerica affiliate. Primerica Advisors provides discretionary asset management primarily for individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Brad Whitted is a financial advisor with Raymond James Financial, holding a Series 66 designation and 27 years of industry experience. He has held various roles since 2007, including positions at Merrill and multiple leadership roles within the Zick Whitted Taub entities, where he currently serves as owner and vice president of support companies. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored non-discretionary planning using analytical tools and supports a broad advisor network, with specialized municipal and SIMPLE IRA advisory programs.

Andre St.Louis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and five years of industry experience. His prior roles include positions at Cetera, Equitable Advisors, and Foresters Financial. Outside of his advisory work, he has engaged in an investment-related business activity associated with Serene Capital Management and Solutions. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Bharatkumar Jani is a financial advisor at Cetera with 30 years of industry experience. He holds the Series 63 designation and has worked at Avantax and Cetera-related entities since 2010. Outside of his advisory role, he serves as a Hindu priest and teaches driver safety courses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to third-party money managers and various program structures.

James Pucci is a financial advisor with Raymond James & Associates, holding a Series 63 designation and 23 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Joe Ann Vacca is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Fidelity Investments since 2011 in various capacities, including Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using a diverse investable universe of mutual funds, ETFs, and ETPs.

Mark Graham is a Series 63-licensed financial advisor with 17 years of industry experience, currently affiliated with Primerica Advisors. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2004. Outside of his advisory role, he has been involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Garry Michel is a CFP® with 19 years of industry experience, currently serving at Cetera since 2016. He also owns Michel Tax Services LLC, which prepares tax returns for individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual investors, employer-sponsored 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 that includes affiliated and third-party managers.

Lena Rizkallah is a financial advisor at LPL Financial with 12 years of industry experience. She previously worked at Cambridge Investment Research Advisors and JPMorgan Investment Management. She serves on the boards of the Howland Cultural Center and the Estate Planning Council of the Hudson Valley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Harnett Jr. is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Charu Ashar is a financial advisor with Cetera, holding a Series 63 designation and bringing 41 years of industry experience. Ashar has worked with Cetera and its affiliates since 2019, following a long tenure at Foresters Financial and Foresters Advisory Services spanning over three decades. Cetera Investment Advisers LLC operates as an SEC-registered multi-manager platform serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of more than 10,000 advisors managing over $256 billion in assets.

Karen Stewart is a financial advisor with LPL Financial in Montgomery, NY, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Thomas Anderson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2016. Outside of his advisory role, he is also employed by Scratch Golf, a company that owns and operates golf courses. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and nonprofits.