Melissa Minikes is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. She previously worked at Wells Fargo Advisors Financial Network LLC for 14 years and has owned M. Minikes Consulting, Inc. since 2006. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and is notable for its municipal advisor affiliation and specialized advisory programs.

Alan Rosenberg is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2007. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of financial planning and consulting services supported by extensive research and portfolio management resources.

Andrew Bertalli is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., and HSBC Securities (USA) Inc. Among his prior roles, he spent five years at Charles Schwab and one year at HSBC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Justin Rivera is an Investment Consultant at Fidelity Investments. In his role, he partners with clients and their families to develop holistic financial plans tailored to their unique goals and needs. He focuses on providing personalized strategies to help clients navigate retirement planning, income planning, and investing. Justin has experience as a Financial Representative at Fidelity Investments from 2023 to 2025, and prior to that, he worked as a Relationship Banker at Bank of America from 2022 to 2023. He holds an Arkansas Insurance License.

Ari Zaretsky is a financial advisor with Osaic Wealth, Inc. based in Melville, NY. He holds a Series 63 designation and has 20 years of industry experience, including 14 years at Jhfn Sii prior to joining Osaic in 2018. Outside of his advisory role, Zaretsky is involved in fixed insurance sales and serves as a manager and investment advisor representative for affiliated insurance and financial network entities. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, automated rebalancing, and access to third-party money managers to construct portfolios across a range of investment types.

Errika Mijares is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she is an owner of a for-profit entity unrelated to investment services. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Kumar is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, including roles at JPMorgan Chase Bank. 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 reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Harvey Mutterperl is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds the Series 63 designation and previously worked at Morgan Stanley Private Bank, National Association for seven years. He is based in Garden City, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Vincent Lopes is a CFP® professional with 24 years of industry experience, currently serving at Raymond James & Associates since 2017. He previously worked with several Raymond James affiliated firms and New York Wealth Management from 2009 to 2017. Lopes is also a passive investor in JAB SOLUTIONS, doing business as FlashSpread. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and both non-discretionary and advisory services supported by a broad network of advisers and affiliated research resources.

Joseph Lisanti is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm serves clients through a centralized consulting team and emphasizes products from affiliated firms as part of its broad advisory, brokerage, and insurance offerings.

Alan Au is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America and Merrill. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence, and applying an ESG eligibility framework in its recommendations.

Ahji Ko is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Cetera and its related entities since 2018 and previously spent two years at HSBC Bank USA, N.A. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party investment managers.

Jason Larkins is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities for 12 years. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, incorporating an ESG eligibility framework in its recommendations.

Mark Mohtashemi is a CFP® professional with 14 years of experience, currently advising clients at Morgan Stanley in Garden City, NY. He has been with Morgan Stanley and its affiliates since 2011, including Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved as a managing member of 524 Adams LLC and serves as a trustee for a family trust. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and various investment products.

James Milani is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017, following a year at HSBC Securities (USA) and HSBC Bank USA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

Joann Semeraro is a CFP® with 39 years of experience in the financial industry. She is currently with Cetera and has previously worked at North Ridge Securities Corp. from 1997 to 2019. Semeraro is also a trustee of a family trust. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to third-party managers through a multi-manager platform with over 10,000 advisors nationwide.

Sam Botwinick is a Series 66-licensed financial advisor with J.P. Morgan Securities in Garden City, NY, and has four years of industry experience. His work history includes roles at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2022, as well as previous positions outside the financial sector. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Kyle Woll is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His background includes roles at Bank of America and Marist University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutional entities.

Dennis Herrera is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Cetera since 2019 and previously spent a decade with Foresters Financial and two years at Foresters Advisory 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 range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers and a variety of program structures.

Jeffrey Rozenberg is a Series 66-licensed financial advisor with 13 years of industry experience. He is currently with J.P. Morgan Securities and J.P. Morgan Chase Bank, following previous roles at First Republic Investment Management and Morgan Stanley. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.