Oscar Colon is a Series 66-licensed financial advisor with Merrill, based in Bronx, NY, and has six years of industry experience. He has been associated with Bank of America and Merrill 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Annette Serniak is a Series 66-licensed financial advisor at Morgan Stanley with seven years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Merrill from 2015 to 2017. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved planning tools and investment committee insights. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through corporate financial planning agreements.

Steven Sedlak is a financial advisor with Merrill, holding a Series 66 designation and bringing 27 years of industry experience. He spent 20 years with Wachovia Bank, N.A. before joining Merrill in 2022. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric Rosman is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 66 and Series 63 credentials and bringing three years of industry experience. Prior to Morgan Stanley, he worked at Marist College and held roles in education and local parks and recreation. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct individual plans and employer-sponsored Corporate Financial Planning agreements.

Adam Steinbuch is a financial advisor with Morgan Stanley in Purchase, NY. He holds a Series 66 designation and joined Morgan Stanley in 2026. Prior to this, he worked at Rack & GO LLC for several years and has experience in other roles including at Enterprise Holdings and the University at Albany. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies approved by its Global Investment Committee.

Alexander Recchia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2013, he has worked directly with individuals and businesses to help them achieve their financial goals. His client base includes owners of private businesses, corporate executives, physicians, CPAs, attorneys, retired couples, widows, and multiple generations of families across the nation. His areas of expertise encompass education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategies, and retirement income. Alexander emphasizes the importance of strategies beyond savings and investments, including estate planning and family wealth transfer, to help clients efficiently move toward their defined objectives and navigate pivotal life transitions such as retirement or selling a business. Alexander holds a Bachelor's Degree from Salve Regina University and the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Habitat for Humanity, Healing the Children, and Knights of Columbus. Outside of work, he enjoys cooking, fishing, golfing, hiking, photography, and spending time with his family.

Jonathan Wolfe is a Wealth Management Advisor with Merrill Lynch Wealth Management, currently based in Greenwich, Connecticut. He began his career in wealth management in 1999 at Merrill Lynch in Manhattan and has since managed various offices, including those in Westchester County before relocating to Greenwich. Jonathan specializes in working with high net worth families to manage all aspects of their financial lives, offering customized financial planning, portfolio management, and strategies that cover tax minimization, retirement planning, and college education funding. Jonathan holds a Bachelor of Science degree in finance from Georgetown University and is a CERTIFIED FINANCIAL PLANNER® professional. His approach involves understanding each client's financial goals and circumstances in detail to create personalized wealth management plans. He collaborates with clients and their tax and legal advisors to develop and periodically review strategies aimed at achieving their long-term objectives. Jonathan lives in Old Greenwich, Connecticut with his wife, Cynthia, and their four children. He participates in community volunteering and pursues personal interests including biking, cooking, hiking, music, reading, rock climbing, swimming, tennis, and yoga.

Joylynn Gandolfi is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 37 years of industry experience. She has been with MassMutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and Citistreet Equities LLC. Outside of her advisory role, she is involved in insurance sales focusing on individual and group life and health products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved analytical tools and structured annual planning engagements.

Dennis Singh is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in the financial services industry since 1998, working in various capacities including private equity, corporate finance, and program trading, with professional experience in Australia, Switzerland, and the United States. Dennis provides financial solutions tailored to his clients' risk tolerances, time horizons, liquidity needs, investment goals, and associated costs, focusing on credit and lending, investment planning, retirement planning, and income replacement strategies for individuals, families, businesses, and organizations. He has worked with national and state professional organizations to enhance membership value and collaborates with entities such as the Medical Society of The State Of New York and New York University. Dennis assists business clients in monetizing corporate structures to create passive income streams through revenue sharing programs offered by Bank of America. His client focus areas include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Dennis holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Thomas Edison State College, completed an Accredited Certificate Program at Yale University, and holds a Master of Science degree from the College for Financial Planning. Dennis is a member of professional organizations including the Investments & Wealth Institute™, Certified Financial Planner Board of Standards Inc, and the College for Financial Planning Institutes Corp. He resides in Nassau County with his wife and two daughters and enjoys camping, fishing, and spending time with his family.

Richard Malen is a financial advisor at OSAIC with 34 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corp. for 20 years. Outside of his advisory role, Malen serves as an elected officer of the Jones Beach Lifeguard Corps and works as a lifeguard at Robert Moses State Park. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization with various managed account strategies and third-party money manager programs.

John Fiore is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Greenwich, CT. He joined Merrill in April 2019, bringing extensive experience from his six years as a Senior Private Banker at J.P. Morgan Private Bank, where he worked with high net worth individuals and their families. John focuses on serving hedge fund, private equity, and financial services professionals, providing comprehensive wealth management services that encompass financial planning, investment advisory, private banking, and credit solutions. Before specializing in private wealth management, John held various roles across the financial services industry, including investment banking, institutional sales, derivatives, and prime brokerage with firms such as Chemical Bank, Bankers Trust, Goldman Sachs, Merrill, and later Bank of America/Merrill Lynch Wealth Management. He holds an MBA with a concentration in Finance from Columbia Business School and a bachelor's degree in History from Dartmouth College. John is a Personal Investment Advisor (PIA) and is proficient in English and Spanish. He currently resides in Darien, CT with his wife and two daughters. Outside of his professional work, John enjoys cooking, fishing, golfing, hunting, reading, and skiing.

Jonathan Guzman is a financial advisor at UBS Financial Services in Jericho, NY, holding Series 63 and Series 65 designations with 12 years of industry experience. He has been with UBS Financial Services since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Wayne Lettieri is a financial advisor with LPL Enterprise and holds the ChFC® designation and Series 65 license. He has 43 years of industry experience, including long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in the sale and servicing of property and casualty insurance and health and dental insurance in the Oradell, NJ area. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm uses a model-driven investment approach and offers access to third-party asset managers and insurance products through affiliated entities.

John Quinn is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2014, including time at Morgan Stanley Private Bank, National Association since 2015. He previously worked at Merrill in 2013-2014. Quinn serves on the board of directors for the Gardiners Bay Country Club, a golf club where he is also a member. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Robert Pisano Jr. is a financial advisor at Morgan Stanley with 19 years at the firm and six years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he serves on the board and the Audit and Risk Committee of Volunteer New York, a nonprofit organization that helps other nonprofits find volunteers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Thomas Leder is a CFA® charterholder with 29 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, N.A., where he has worked since 2020. His prior experience includes roles at Mass Mutual Investors Services and National Life Group. 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, supported by a centralized due diligence process.

Cristina Lozano is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2021. Prior to her current role, she was employed at Moda Operandi and has experience in retail and online sales as a proprietor outside of the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services using structured tools and models, managing approximately $2.74 trillion in client assets.

Dov Katz is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Valley Wealth Managers, Valley National Bank, Bank Leumi, and EF Legacy Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through its network of Financial Advisors and specialized estate planning groups.

Timothy Riley is a financial advisor at Raymond James & Associates with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Mitchell Eisenberg is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 41 years of industry experience. He has been with Cambridge since 2005 and previously worked at Nathan & Lewis Securities, Inc. from 1995 to 2003. Outside of advisory work, he is self-employed as a tax preparer. Cambridge Investment Research Advisors serves a diverse client base including individual, institutional, pension, and charitable clients. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs, utilizing multiple platforms and proprietary model strategies.