William Altneu is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 36 years of industry experience. Prior to joining LPL Financial in 2025, he spent 21 years at Cadaret Grant. He is also involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports a broad array of investment strategies and financial products, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

Kyle Dalrymple is a Financial Consultant currently working at Fidelity Investments since 2023. He has experience in financial analysis, investment strategy, risk management, and financial planning, focusing on creating customized plans tailored to each client's unique needs and goals. His professional background includes roles as an Investment Consultant at Fidelity Investments from 2021 to 2023, Private Client Banker at JPMorgan Chase Bank, N.A. from 2020 to 2021, Banker at JPMorgan Chase Bank, N.A. from 2019 to 2020, and Financial Advisor at Prudential Advisors from 2017 to 2019. Kyle holds a California Insurance License.

Derek Rodriguez is a financial advisor with Primerica Advisors in Whiteplains, NY, holding Series 63 and Series 65 designations and five years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services, and has entrepreneurial experience in the hospitality and beverage industries, including roles at Captain Lawrence Brewery and Game Day Sports Bar. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of advisors across nearly 1,829 offices.

Timothy Palmer is a Planning Consultant at Fidelity Investments, where he partners with clients to develop personalized financial plans tailored to their specific needs and goals. He emphasizes the importance of understanding each client's unique situation to provide a comprehensive financial planning experience. Timothy's professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as a position as an Insurance Agent with New York Life Insurance Company. His background reflects a progression within the financial services industry, focusing on client relationship management and financial planning. Outside of his professional work, Timothy enjoys family activities, fitness, exploring culinary interests, golf, kayaking, and skiing.

Bob Grenier is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2007. He is a CERTIFIED FINANCIAL PLANNER® professional, focusing on portfolio reviews, investment analysis, portfolio construction, asset allocation, and risk management. Bob works with clients in areas including Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Executive Compensation, Equity Compensation Services, and Tax Minimization. Bob holds a Master's Degree in Business Administration with a concentration in Accounting and a Bachelor's Degree in Finance, both from Sacred Heart University, where he graduated Summa Cum Laude. He is a member of Beta Gamma Sigma and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Outside of his professional work, Bob is involved in community activities such as Senior Law Day. His personal interests include music, reading, and skiing.

Marcelo Sepulveda 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 in various capacities since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Frank Ward Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with Equitable Advisors since 2017, previously working at AXA Advisors, Transamerica Financial Advisors, and World Financial Group. In addition to his advisory work, he is also licensed as an insurance agent with multiple carriers. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and a variety of asset-management programs, utilizing a combination of firm-offered and third-party advisory solutions.

Gerald Mirra is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and possessing 44 years of industry experience. He has worked at several firms, including Corporate Plans Retirement Strategies LLC, where he is a partner, and previously at National Life Group, Equity Services, Inc., MML Investors Services, Inc., and Massmutual Life Insurance Company. In addition to his advisory role, he sells fixed insurance products. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to various investment strategies and program structures.

Catherine Andrade is a financial advisor with Merrill in White Plains, NY, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Merrill since 2002. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Edward Piacente is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their current financial situations and introduces solutions available through Merrill and Bank of America. His objective is to provide clients with knowledge and tools to take control of their financial lives and select the platform that suits their needs. Edward holds a Personal Investment Advisor (PIA) designation and has earned a Bachelor's Degree from the State University of New York at Oneonta. He also attended Iona University without obtaining a degree and completed his high school education at Rye Neck High School. His approach focuses on helping clients identify what matters to them and their families to develop strategies aimed at pursuing their financial goals.

Darrel Upson is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory work, Upson is involved in business consulting through Endurance Operations Management LLC and Puente Sur Sports Management LLC, and serves on the board of Lutheran Social Services of New York. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to provide written recommendations. The firm serves clients with significant investable assets and integrates advisory, brokerage, and insurance solutions through its affiliated companies.

Benjamin Sokol is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He is a CERTIFIED FINANCIAL PLANNER® professional with over 20 years of experience in financial markets. Benjamin focuses on empowering clients to make informed financial decisions by uncovering their needs and goals, then implementing customized plans. Prior to joining Fidelity, Benjamin worked at JP Morgan from 2012 to 2019 in various positions including Private Client Advisor - Vice President and Investor Associate. He also held roles as Senior Associate in Advisory Services at Thomson Reuters in 2012 and as Senior Proprietary Equity Trader at AMR Capital Trading from 2002 to 2011. Benjamin holds a California Insurance License.

Edward Ragonnet is a financial advisor with Merrill in Ridgefield, CT, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with Merrill and Bank of America since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Koerner III is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2015 and previously worked at JPMorgan Chase Bank. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Louis Osso is a financial advisor at Raymond James & Associates with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with Raymond James since 2016. 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, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Mariah Sawyer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 63 and Series 65 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2005. 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 recommending eligible strategies.

Anjian Zhu is a financial advisor at Ameriprise with a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, Zhu worked for American Journey Advisors, Inc. for ten years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides personalized retirement planning focused on dependable income sources and tax-aware withdrawal strategies.

Theodore Youngling is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wells Fargo-affiliated firms since 2009. Outside of his advisory role, he serves as treasurer for the Mercedes Benz Club of America in Norwalk, CT. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and financial planning services using proprietary research and planning tools, with tailored recommendations delivered through meetings and client summary letters.

Rhonda Sihpol is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with Raymond James & Associates since 2016. Outside of her advisory role, she is a part owner of Renaissance Partners, LLC, a family-run general contracting business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, pension plans, and nonprofit organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions while employing a range of portfolio management styles supported by in-house research and model managers.

Michael Zazuri is a financial advisor at UBS Financial Services in Stamford, CT, holding a Series 66 license with two years of industry experience. His prior work includes positions at Mass Mutual Investors Services and MassMutual Life Insurance Company, as well as roles outside finance at Elite Sampling & Media Group and Tractor Supply Company. He has also been involved with Kids On The Moon and Sacred Heart University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.