Fred Tantillo is a financial advisor at LPL Financial with 41 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Prior to joining LPL Financial in 2024, he worked for Royal Alliance Associates, Inc./Osaic Wealth, Inc. for 33 years. He also owns a tax preparation business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Linda Kuhn is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Her prior work includes roles at Long Island Vision Management, North American Partners in Anesthesia, and Fuentes Cosmetic Surgery Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supporting approximately $1.01 trillion in assets under management.

Sonia Karia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. She previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing. Outside of her advisory role, she owns and operates a jewelry store and a 5G internet business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Larson Bennett is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes positions at Bank of America and Brown Brothers Harriman, as well as a role at Dartmouth College. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

John Guzzetti is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families pursue their financial goals through personalized investment, retirement, and wealth planning strategies. John specializes in areas such as college education planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, John enjoys basketball, chess, pickleball, soccer, tennis, traveling, and spending time with his family.

Gina Ayasse is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at J.P. Morgan Securities for eight years before joining Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Patricia Mcginley is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning solutions.

Gregory Matzelle is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds a Series 63 designation and previously worked at Janney Montgomery Scott for 10 years before joining Raymond James in 2019. Outside of his advisory role, he owns and operates GNB Wealth Strategies Group, a support company, and serves as president of Ten Ten Associates, an LLC managing common expenses for his branch office. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutions. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed client interviews and risk profiling.

Thomas Kenny is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities and Guardian Life Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Pamela Chasin is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following seven years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that incorporate various modeling techniques without recommending individual securities.

Matthew Mandell is a financial advisor with Ameriprise, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for Appliance World in Huntington, NY. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Richard Hirsh is a financial advisor with Ameriprise in Greenwich, CT, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he serves on the Board of Directors for the Fairfield Beach Resident Association. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported advice primarily for clients holding assets in Ameriprise Managed Accounts.

Edwin Ayala is a financial advisor with Primerica Advisors based in Garden City, NY, holding a Series 63 designation and 27 years of industry experience. He has worked with Benchmark Realty & Management Corp., PFS Investments Inc., and Primerica Financial Services since the mid-1990s. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited selection of separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered, percentage-based wrap fee structure.

Richard Catucci is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He has held positions at Mass Mutual Investors Services since 2017, MassMutual Life Insurance Company since 2016, and previously spent 33 years with Metlife Securities Inc. Outside of his advisory role, he is also an independent insurance agent specializing in life, accident, health, property, and casualty insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using collaborative, software-supported analyses to develop written recommendations tailored to client goals.

Salvatore Aprile is a financial advisor with OSAIC, holding a Series 63 designation and over 32 years of industry experience. He previously worked at Signator Investors Inc. from 2001 to 2018 and has been with Royal Alliance Associates, Inc. since 2018. Outside of his advisory role, he is a part owner of an accounting and tax preparation firm and operates a sole proprietorship as an insurance broker. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm combines integrated brokerage and advisory services with multiple investment platforms, employing tools such as asset-allocation models and automated rebalancing to manage portfolios across various asset classes.

Jordan Bolebruch is a financial advisor at Cetera with five years of industry experience. He holds the Series 66, Series 63, and Series 65 credentials. His prior experience includes roles at SVB Capital, Fortress Investment Group, Facebook, and Citigroup. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Philip Johann is a financial advisor with Ameriprise, holding a Series 66 designation and three years of industry experience. He previously worked for American Portfolios Financial for ten years before joining Ameriprise. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized, non-discretionary advice supported by algorithmic automation and a centralized consulting team.

Arman Arneja is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2019. Prior to that, he was employed at OSMG International Auto Source from 2014 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm incorporates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework in its recommendations.

James Angwin is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes 14 years at TIAA-CREF prior to joining Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that integrates firm-approved tools and modeling techniques.

Frank Lawrence IV is a Series 66-credentialed financial advisor with 10 years of industry experience. He has worked at Wells Fargo Advisors since 2021 and was previously with Bank of America and Merrill from 2015 to 2021. Outside of his financial practice, he serves as head coach of a 7th grade boys youth lacrosse team in Riverside, CT and is co-owner of a retail store specializing in olive oils and vinegars. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of financial planning options including specialized services such as business-owner transition and special-needs planning. Advisors develop tailored recommendations using firm research and planning tools, with implementation through brokerage or advisory programs as optional.