Ellen Chan is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she works part-time in seasonal sortation positions at Amazon. 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.

Gabriel Plaut is a financial advisor at Ameriprise with 42 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory work, he is involved with Mishkan Hatorah, contributing a few hours monthly in administrative support. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing detailed, research-based recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines automated modeling with advisor input and emphasizes products from affiliated firms within its broad range of advisory, brokerage, and insurance solutions.

Teresa Whitney is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012. Prior to that, she was with Wm Financial Services starting in 1998. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its recommendations, which may incorporate an ESG framework, and offers expanded derivatives and commodities capabilities relative to many institutional advisory programs.

Austin Drescher is a Financial Consultant at Fidelity Investments. In this role, he collaborates with local individuals and families to develop and maintain comprehensive financial plans that focus on building, preserving, and distributing wealth to provide clients with peace of mind. He has been with Fidelity Investments since 2019, progressing through various roles including Financial Representative, Relationship Manager, Planning Consultant, and currently Financial Consultant. This experience has provided him with a broad understanding of financial planning and client relationship management.

Richard Kasparian is a financial advisor with LPL Financial in Garden City, NY, holding Series 63 and Series 65 licenses and over 29 years of industry experience. He previously worked at Citigroup Global Markets and Citicorp Investment Services. Kasparian also operates a business under the name Garden City Financial Group. 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, third-party asset management, and institutional platforms.

Irene Morciglio is a financial advisor at J.P. Morgan Securities with 37 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following a long tenure at DIME Securities, Inc. from 1985 to 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations in its recommendations.

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 with Morgan Stanley in Garden City, NY, holding Series 63 and Series 66 licenses and 25 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Charles Schwab Bank and Charles Schwab & Co., Inc. from 2017 to 2022, HSBC Securities and HSBC Bank USA in 2016-2017, and USAA Financial Planning Services from 2011 to 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques such as Monte Carlo simulations, offering a range of investment and financial planning solutions.

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 at OSAIC with 20 years of industry experience. He holds a Series 63 designation and has worked at OSAIC since 2018, following 14 years at Jhfn Sii. Outside of his advisory role, he is an insurance broker and manages an insurance agency division within Lighthouse Financial Network, LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan participants, charities, and corporations. The firm offers a range of brokerage and advisory services, employing a model-based investment process that incorporates asset allocation, portfolio optimization, and multiple management strategies.

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 with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at J.P. Morgan Securities LLC since 2012 and at JPMorgan Chase Bank from 2010 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and leverages affiliated entities for implementation and portfolio services.

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 designations and has worked at J.P. Morgan Securities since 2017, as well as briefly at Bank of America, Merrill, and OSAIC Institutions, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative screening and qualitative research supported by a centralized manager solutions team, incorporating a range of eligible investment strategies and an ESG eligibility framework.

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 27 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014, and previously worked at Merrill from 2011 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. Their advisory process combines quantitative and qualitative analysis to build model asset allocations and may include ESG criteria.

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.