Michael Kinstler is a CFP® with 39 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Gasparro is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and 32 years of industry experience. She previously worked at Bank of America and Merrill from 2010 to 2021 before joining UBS in 2021. Outside of her advisory work, she is involved in a family business managing rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing a combination of model-based asset allocations, proprietary research, and institutional trading capabilities to tailor financial plans and strategies.

Johnny Chan is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. He has been with Merrill since 2015. 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. The firm offers model-based and discretionary strategies designed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Louise Fallica is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 66 designations and has 41 years of industry experience. Prior to joining Osaic in 2024, she worked for American Portfolios Financial Services, Inc. for 10 years and has been associated with Design Capital Planning Group, Inc. since 1979. She serves as a board member of the International Association of Registered Financial Consultants. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors through a large network of affiliated advisers. The firm offers integrated brokerage, investment advisory services, and access to third-party money managers, using asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Robert Prusiewicz is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 designations and 24 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2015. MML Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

Adam Cafarella is currently serving as Vice President, Financial Consultant. He assists individuals and businesses in achieving their financial goals by developing personalized strategies tailored to each client's unique needs. Adam emphasizes transparency, education, and ongoing support to empower clients in making informed financial decisions. Adam's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2021 to 2024, and as an Investment Consultant at the same firm from 2014 to 2021. Prior to that, he was a Financial Advisor at Stifel Nicolaus & Company Inc in 2014 and at Wells Fargo Advisors from 2012 to 2014. His earlier positions include Client Associate roles at Wells Fargo and Merrill Lynch and a Financial Representative at Northwestern Mutual. Outside of his professional work, Adam enjoys activities such as beach outings, boating, cars, family activities, golf, and reading.

Robert Simeti is a financial advisor at Ameriprise with 31 years of industry experience. He holds a Series 63 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, emphasizing assets held in Ameriprise managed accounts.

Gregory Warren is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining LPL Financial, he held positions at BNY Securities Corporation, J.P. Morgan Chase, Merrill, Bank of America, and other firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management across a range of investment strategies.

Jacob Flikshteyn is a Financial Advisor with Merrill Lynch Wealth Management, serving clients through The Leiman Group since 2019. He specializes in working with corporate executives, medical practitioners, and law firm partners whose wealth requires detailed oversight and strategic insight. Jacob focuses on wealth management needs that include investment and risk management, wealth transfer, income and liquidity management, and advanced estate planning services. He employs a disciplined investment process to help clients build, preserve, and transition wealth across generations, and has experience with credit needs, managing complex balance sheets, and structured lending opportunities. Jacob holds a Bachelor of Business Administration degree in Finance and Investment from the Zicklin School of Business at Baruch College. He is a Personal Investment Advisor (PIA) and communicates with clients in English and Russian. Outside of his professional role, Jacob grew up in Queens, New York, where he played football in high school and was active in music. He enjoys international travel, skiing in the Northeast, and playing golf in Florida. Jacob is involved in his community through volunteering at organizations such as Beacon of Hope St. Jude and Habitat for Humanity.

Brandon Kustek is the Vice President, Financial Consultant at Fidelity Investments. In this role, he works closely with local individuals and families to develop and maintain financial plans focused on building, preserving, and distributing their wealth to provide peace of mind. Prior to this, he held positions as a Financial Consultant, Planning Consultant, Relationship Manager, and Financial Representative within Fidelity Investments, as well as a Financial Professional at AXA Advisors. Brandon's experience spans various financial advisory and planning roles, providing him with a broad understanding of wealth management strategies. His career progression within Fidelity Investments demonstrates a continued commitment to supporting clients' financial goals. Outside of his professional responsibilities, Brandon enjoys spending time at the beach, boating, and golfing.

Robert Alpert is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and 43 years of industry experience. He has been with Wells Fargo affiliates since 2013, including his current role at Wells Fargo Clearing since 2016. Outside of his advisory work, he is involved in managing residential properties through several limited liability companies. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics to support investment decisions and offers both brokerage and advisory solutions.

Sandra Grinspan is a CFP® with 35 years of industry experience currently serving as a financial advisor at Cetera. She previously worked at North Ridge Securities Corp. for over two decades and has maintained ownership of S.J. Grinspan & Co., Inc., an insurance sales business, since 2001. Grinspan is also active as an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving a diverse client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a broad range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies.

Brenda Connolly is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2023, with previous experience at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Devin Haber is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held positions with the Premier Lacrosse League and was involved with University of Maryland Football. 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 employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals, risk tolerance, and time horizon.

Mary O'Connor is a financial advisor at Merrill with 29 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. 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.

David Brady is a financial advisor at Equitable Advisors with 29 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Aegis Capital Corp. for 11 years before joining Equitable Advisors in 2022. Outside of his advisory role, he coaches youth basketball as a consultant for Nassau Pride Hoops Basketball. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, with a delivery model that incorporates LPL-sponsored programs and a variety of endorsed third-party platforms.

Dylan Simms is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked in various roles including positions at Jones Lang Lasalle and several service and hospitality companies. 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.

Paul De Santis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 21 years of industry experience. His career includes roles at Bank of America and Merrill prior to joining J.P. Morgan Chase Bank and J.P. Morgan Securities in 2019. 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 institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Michael St. Pierre is a financial advisor at Cetera with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial and New York Community Bank. Outside of his advisory role, he serves on the board of the Association for Mental Health and Wellness and is involved in property and casualty insurance sales through his own company. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform with diverse program options and custodial arrangements.

Heather Steiniger is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She has held roles at J.P. Morgan Chase Bank NA since 2010 and at J.P. Morgan Securities since 2012. Steiniger holds the Series 63 and Series 66 designations. 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’s investment approach combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework in its recommendations.