Derick Pantoja is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at Wells Fargo since 2007, including ten years at Wells Fargo Bank and nine years at Wells Fargo Clearing. Outside of his advisory role, he is a notary public in Yonkers, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

John Donaldson is a financial advisor with LPL Enterprise, holding a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Blue Ocean Wealth Solutions and has a diverse background including roles at Binghamton University and other organizations. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products, supported by an integrated platform that combines adviser programs with active sales of financial products.

Robert Papaleo is a financial advisor with Morgan Stanley, holding Series 63, 65, and 66 credentials and bringing 41 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of retail and institutional investment services.

Christopher Mirandi is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and bringing nine years of industry experience. He has been with Ameriprise since 2016, working across both the LLC and Inc. entities. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, which provides tailored retirement income planning through written reports and ongoing advice that emphasize dependable income sources and tax-aware withdrawal strategies.

Rajesh Guglani is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2001. J.P. Morgan Securities 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 manager due diligence and applies an ESG eligibility framework when recommending investment strategies.

Aaron Lin is a financial advisor at Charles Schwab with 18 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade and Scottrade. Lin is currently based in Garden City, NY. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering wrap fee advisory, brokerage, custody, and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by ongoing research and due diligence.

Elaina Flynn is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, following a year at UBS. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a variety 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.

Frances Beiro serves as a Resident Director and Wealth Management Advisor at Merrill, where she has contributed since 2014. She is a partner in The Callahan Pascua Group and specializes in developing comprehensive wealth management strategies for individuals, families, and businesses. Her client focus includes college education planning, family wealth management, institutional investment consulting, liquidity management, retirement planning, tax minimization, and addressing the unique needs of women and clients in sports and entertainment. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, awarded in partnership with the Investments & Wealth Institute™ and The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned a Bachelor of Arts degree in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology, from San Diego State University, and a Master of Business Administration from Alliant International University. She is fluent in Filipino and English and participates actively in professional organizations, serving as the National Chair of the Investments & Wealth Institute™ Conference Committee beginning in 2024. Frances also holds leadership roles with the Merrill Women's Exchange in San Diego, including President for 2024-2025, and is a member of the La Jolla Woman's Club. Outside of work, her interests include music, scrapbooking, tennis, traveling, writing, yoga, and spending time with her family.

Joseph Fitzpatrick is a financial advisor with UBS Financial Services in Melville, NY, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, Fitzpatrick serves as a trustee responsible for distributing assets held by a deceased individual. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management, supported by institutional trading capabilities and proprietary research.

Mary White is a financial advisor with Morgan Stanley in Melville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is the sole proprietor of Angel Whispers, a greeting card business. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and employing a structured planning process supported by firm-approved tools.

Martin Coren is a financial advisor with Cetera, holding a Series 63 credential and over 40 years of industry experience. He previously worked with MSC Financial & Tax Services and North Ridge Securities Corp. Coren also operates his own financial planning and tax preparation business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a large network of independent advisors.

Sergio Russell Diaz is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Louis Cannataro, Northwestern Mutual Investment Services, Neuberger Berman, and Ameriprise Financial. Outside of his advisory role, Diaz owns and operates an art sales business and manages several real estate-related ventures. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Susan Cohn is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 45 years of industry experience. She has been with Raymond James in various capacities since 2010, including nine years at Raymond James & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals—including high-net-worth clients—institutions, pension and profit-sharing plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Luis Hernandez Peralta is a financial advisor at Merrill with Series 66 and Series 63 credentials and two years of industry experience. His work history includes roles at Bank of America, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of finance, he works as a community habilitation specialist with Eihab Human Services, providing social and developmental support to his sister. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, delivering model-based and discretionary strategies for a range of individual and institutional investors.

Goran Ljuljic is a financial advisor at Osaic with 33 years of industry experience. He holds a Series 63 designation and has worked with Osaic since 2018. Prior to that, he spent 21 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. He is also involved in insurance brokerage and operates Lighthouse Financial Network, LLC, which provides insurance and investment planning services. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services along with financial planning and retirement consulting. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management, utilizing multiple advisory platforms and third-party managed account solutions.

Kara Rios is a financial advisor at Merrill with 7 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Pesce is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He previously worked at UBS Financial Services for 15 years before joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options using proprietary research and tools, with tailored recommendations delivered through meetings and written summaries.

Terence Hickey is a financial advisor at OSAIC with 32 years of industry experience. He holds a Series 63 designation and has worked at firms including Securities America Advisors and Kestra Financial. In addition to his advisory work, he has maintained a tax advisory and accounting practice through Trinity Financial Group, Inc. since 1989. OSAIC serves a wide range of retail and institutional clients through a large network of financial advisers, offering brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Kyle Napolitano is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works predominantly with corporate executives to navigate the challenges and complexities associated with concentrated stock positions, deferred compensation, and asset management. His approach is goals-oriented, focusing on developing customized financial strategies tailored to meet the specific needs of each client to help them pursue their financial objectives. Kyle holds a Bachelor's Degree from Marist University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His areas of expertise include corporate executive services, executive and equity compensation, legacy planning, liquidity management, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Outside of his professional work, Kyle is involved with the Leukemia & Lymphoma Society. He also has personal interests that include baseball, basketball, cooking, football, golfing, ice hockey, music, spending time with his family, traveling, and watching movies.

Lisa Murphy is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her career includes positions at Charles Schwab Bank, Charles Schwab Premier Bank, Wells Fargo, Signature Bank, and Citigroup. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized operational and custodial infrastructure.