Frances Beiro serves as a Resident Director and Wealth Management Advisor at Merrill, where she has contributed since 2014. She is a partner in The Callahan Pascua Group and specializes in developing comprehensive wealth management strategies for individuals, families, and businesses. Her client focus includes college education planning, family wealth management, institutional investment consulting, liquidity management, retirement planning, tax minimization, and addressing the unique needs of women and clients in sports and entertainment. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, awarded in partnership with the Investments & Wealth Institute™ and The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Frances earned a Bachelor of Arts degree in Interdisciplinary Studies, focusing on Political Science, Communication, and Psychology, from San Diego State University, and a Master of Business Administration from Alliant International University. She is fluent in Filipino and English and participates actively in professional organizations, serving as the National Chair of the Investments & Wealth Institute™ Conference Committee beginning in 2024. Frances also holds leadership roles with the Merrill Women's Exchange in San Diego, including President for 2024-2025, and is a member of the La Jolla Woman's Club. Outside of work, her interests include music, scrapbooking, tennis, traveling, writing, yoga, and spending time with her family.

Joseph Fitzpatrick is a financial advisor with UBS Financial Services in Melville, NY, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, Fitzpatrick serves as a trustee responsible for distributing assets held by a deceased individual. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management, supported by institutional trading capabilities and proprietary research.

Mary White is a financial advisor with Morgan Stanley in Melville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is the sole proprietor of Angel Whispers, a greeting card business. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and employing a structured planning process supported by firm-approved tools.

Steven Schmidt is a financial advisor at Osaic with 38 years of industry experience. He holds a Series 63 designation and previously worked for American Portfolios Financial Services, Inc. for 15 years. Schmidt is also involved in insurance sales, including variable universal life, disability, long-term care, and fixed annuities. Osaic Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering a variety of brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, supported by a multi-advisor platform and access to a range of managed account strategies and third-party investments.

Martin Coren is a financial advisor with Cetera, holding a Series 63 credential and over 40 years of industry experience. He previously worked with MSC Financial & Tax Services and North Ridge Securities Corp. Coren also operates his own financial planning and tax preparation business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a large network of independent advisors.

Sergio Russell Diaz is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Louis Cannataro, Northwestern Mutual Investment Services, Ameriprise Financial, and Neuberger Berman. Outside of his advisory role, he is involved in the sale of artwork through his business, S.R. Artworks. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Vincent Smith is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at the University of Rhode Island, Distinctive Consulting LLC, and NY Invent Co. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Andrew Mullane is a CFP® certified financial advisor with 18 years of industry experience. He is currently with Cetera and has previously worked at Sterne Agee Investment Advisor Services and Wrp Investments. Mullane is also vice president of Omnia Financial, LLC, a firm focused on branding, marketing, and website services. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Luis Hernandez Peralta is a financial advisor at Merrill with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill and Bank of America in 2024, he held positions at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his financial advisory work, he serves as a community habilitation specialist for Eihab Human Services, assisting with social and developmental support. 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, retirement plans, corporations, and charitable organizations.

Goran Ljuljic is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for over two decades. He is also involved in insurance brokerage and operates Lighthouse Financial Network, LLC, providing insurance and investment planning services. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach featuring asset allocation, portfolio optimization, and access to both discretionary and third-party managed strategies.

Kara Rios is a financial advisor at Merrill with 7 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christa Pinero is a financial advisor at Merrill with 25 years of industry experience and holds Series 63 and Series 65 designations. She has been with Merrill since 2016. 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 investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Terence Hickey is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors, SSN Advisory, Kestra Financial, and Trinity Financial Group, where he continues to serve as a tax advisor and insurance advisor. Outside of his advisory role, he maintains an accounting and tax practice, providing tax advisory services and limited accounting support to clients. OSAIC serves a wide range of retail and institutional clients, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with various discretionary and third-party management options, and is notable for its scale, complex affiliate network, and multi-platform offerings.

Kyle Napolitano is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works predominantly with corporate executives to navigate the challenges and complexities associated with concentrated stock positions, deferred compensation, and asset management. His approach is goals-oriented, focusing on developing customized financial strategies tailored to meet the specific needs of each client to help them pursue their financial objectives. Kyle holds a Bachelor's Degree from Marist University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His areas of expertise include corporate executive services, executive and equity compensation, legacy planning, liquidity management, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Outside of his professional work, Kyle is involved with the Leukemia & Lymphoma Society. He also has personal interests that include baseball, basketball, cooking, football, golfing, ice hockey, music, spending time with his family, traveling, and watching movies.

Lisa Murphy is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Her career includes positions at Charles Schwab Bank, Charles Schwab Premier Bank, Wells Fargo, Signature Bank, and Citigroup. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory models with access to affiliated discretionary separate managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized operational and custodial infrastructure.

Christopher Giuffrida is a financial advisor at Fisher Investments with 15 years of industry experience. He has been with Fisher Investments since 2014 and holds Series 63 and Series 66 designations. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, offering discretionary portfolio management across various asset mandates. The firm’s investment decisions are centralized with an Investment Policy Committee and incorporate quantitative screening, qualitative research, and tax-aware processes.

Brandon Dariotis is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at notable firms including J.P. Morgan Securities and JPMorgan Chase Bank. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Brian Rosoff is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Sterne Agee Investment Advisor Services and Sterne Agee Financial Services. Outside of his advisory role, he is president of Omnia Financial, LLC, which focuses on branding, marketing, and website services. 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 independent advisors. The firm offers various portfolio management and consulting services with a multi-manager platform, managing over $256 billion in assets.

Mark Badami is a CFP® with 30 years of industry experience, currently serving at Mass Mutual Investors Services since 2016. He is president of the Financial Planning Association of Long Island chapter and operates a cosmetic enhancement center as an owner/investor. MML Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers using firm-approved tools and collaborative planning methods.

Christian Casaburro is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Ameriprise Financial Services, LLC. Outside the financial industry, he was involved with the Haunted House of Hamburgers in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team, with recommendations that can incorporate an ESG eligibility framework.