Jonathan Rosen is a financial advisor at Fidelity with Series 63 and Series 66 designations and three years of industry experience. Before joining Fidelity, he worked in freelance videography from 2015 to 2018. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisory entity for multiple registered investment companies and delivers model portfolios to intermediary platforms.

Edward Kovac is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 26 years of industry experience. His prior work includes roles at MetLife Securities Inc and Massachusetts Mutual Life Insurance Company. He serves as a volunteer board member for organizations providing services and information to elderly and sight-impaired individuals. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm structures financial planning as an annual, collaborative process using analytical software and generally recommends investment categories and strategies rather than specific products.

Preetham Dhivakar 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 previously worked at Bank of America, Merrill, and PKZ Group Inc. Outside of his advisory role, he has a passive ownership interest in a special purpose vehicle formed to coordinate legal claims related to a breach of contract. 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 team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Eric Nachman is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, Nachman co-presides over Endurance Operations Management LLC, managing business operations including human resources, expense management, and accounting. Ameriprise is an institutional firm offering retirement-income planning services primarily to clients with significant investable assets. Its approach integrates research, modeling, and tax-efficiency analysis to provide annual, non-discretionary retirement income recommendations, with an emphasis on assets held in Ameriprise Managed Accounts.

Nadi Beciri is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank, SSB in 2021, Beciri worked at Bank of America, Merrill, and David Lerner Associates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options with centralized custody and a distinctive operational model that integrates advisory and brokerage services.

Yamelyn Asencio is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing approximately four years of financial services experience, including roles at Wells Fargo Bank and JPMorgan Chase Bank. Outside of her advisory career, she has been involved with BYD Home Restoration Inc. since 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

David Lasco is a financial advisor with Ameriprise in Valhalla, NY, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he serves as Co-President of the Fordham University Alumni Westchester and sits on the Board of Directors for the Financial Planning Association of the Greater Hudson Valley. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Brian Valente is a financial advisor with Equitable Advisors in Pelham, NY, holding a Series 66 designation and 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Valente serves as a board member and co-president of two local nonprofit organizations, the Chester Park Association and the Pelham Booster Club. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Joshua Elbaum is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 66 and Series 63 licenses and has prior experience at J.P. Morgan Private Bank and Padell Business Management. Outside of finance, he has worked in educational roles and with the Rising Stars Youth Foundation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach incorporates structured discovery conversations and advanced modeling tools to develop planning strategies.

Ryan Hetzer is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Miyuki Kiyota is a financial advisor with Merrill in White Plains, NY, holding a Series 66 designation and 12 years of industry experience. She has been with Merrill since 2016. Merrill, together 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ghedalia Gold Pastor is a Series 66 licensed financial advisor with eight years of industry experience. Currently with Merrill and Bank of America, Pastor’s prior experience includes roles at Tesla Inc. and Consigli Construction Co. from 2016 to 2017, as well as time at the University of Maryland. 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.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Micah Stavenhagen is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., Ironhorn Enterprises, and Syracuse University. 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 centralized due-diligence framework.

Richard Koll is a financial advisor with Cetera based in Fort Lee, NJ, holding a Series 66 designation and 34 years of industry experience. His career includes roles at Infinex Investments, Apple Bank, and Navian Capital Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers portfolio management, financial planning, and access to a range of program platforms, employing a multi-manager approach with discretionary and non-discretionary account options.

Todd Kingsbury is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. He serves on the boards of the D C K Endowment Fund Inc. and HomeWorks Trenton, Inc., an organization focused on education and housing for women in marginalized communities. Merrill, along 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, and various institutional investors.

Aaron Simone is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has worked at Jpmorgan Chase Bank, N.A. since 2009. 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by an in-house manager solutions team and a centralized due diligence framework.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Deon Smith is a Series 66–licensed financial advisor with 20 years of industry experience, currently practicing at Merrill since 2013. Based in White Plains, NY, he has spent over a decade with Merrill. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, using model-based and discretionary strategies developed by internal and third-party managers.

Reed Karsen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including positions at Montclair State University and UPS. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios and manage fund advisory services.