Paul Donato is a financial advisor with LPL Financial, holding a Series 63 designation and 17 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities, Inc. LPL Financial serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Aaron Morgenstern is a CFP® with 10 years of industry experience currently advising at Ameriprise in Valhalla, NY. He has held positions at Ameriprise since 2018 and previously worked at Keybank, JPMorgan Securities LLC, and JPMorgan Chase Bank. Morgenstern has also been affiliated with the State University of New York at New Paltz since 2014. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Patricia Cavicchia is a financial advisor at Merrill with 40 years of industry experience. She has held her current role at Merrill Lynch Pierce Fenner & Smith since 2000. Cavicchia holds Series 63 and Series 66 licenses. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Chin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2000 and works with corporate employees, business and real estate owners, affluent individuals and their families to develop and implement disciplined investment and borrowing strategies for wealth growth and preservation. His approach emphasizes understanding clients' life priorities to create personalized financial plans. Prior to joining Merrill Lynch, Jeffrey worked in corporate credit and treasury departments for a major automotive manufacturer, where he gained experience in cash flow management which informs his planning and investment philosophy. He has a particular focus on workplace retirement plans, working with employers to evaluate 401(k), profit-sharing and defined benefit plans, select investment menus, and provide educational presentations. Jeffrey holds a Bachelor of Science degree in Business Management from the State University of New York at Buffalo and a Master of Business Administration in Finance from Baruch College. He has earned several professional designations including Chartered Financial Analyst (CFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is also a member of the New York Society of Security Analysts.

Kevin Curry is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 32 years of industry experience. His career includes 20 years at Petersen Investments, Inc., followed by roles at Royal Alliance and Cadaret, Grant & Co., Inc. He operates a related business entity for his LPL advisory practice. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits, offering a range of advisory programs and services including financial planning, retirement consulting, and model portfolio management.

April Mathew is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Hailey Opperman is a financial advisor with Morgan Stanley in Wellesley, MA. She holds a Series 66 designation and has one year of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Pfizer and attended Syracuse University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support client outcomes.

Brendon Keady is an Investment Consultant at Fidelity Investments, where he works to help clients achieve their financial objectives. He focuses on understanding clients' visions and assisting them in constructing meaningful investment strategies. Brendon has been with Fidelity Investments since 2023, progressing from Customer Relationship Advocate to Investment Solutions Representative, and currently serves as an Investment Consultant. This experience has provided him with insight into client relations and investment solutions. Outside of his professional role, Brendon has interests in baseball, fitness, golf, food, and traveling.

Kyle Robison is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley since 2021 after completing his education at Pennsylvania State University. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by proprietary tools and emphasizes advisory services without providing individual security recommendations as part of standalone plans.

Charles Castro is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 credentials and 18 years of industry experience. He previously worked at David Lerner Associates, Inc. for 18 years and at Spirit of America Management Company for one year. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Steven Kyriakos is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 14 years at UBS Financial Services. He holds Series 63 and Series 65 licenses and serves as a trustee/co-trustee in a trust capacity outside his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Daniel Baez Fernandez is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2022. His prior work experience includes roles at EY Parker Logistics, J. Crew, and Forte Capital Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm’s planning process uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Robert Hanes Jr. is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include 14 years at Citigroup Global Markets before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs structured financial planning tools and offers a range of investment and wealth management services.

Michael Moskowitz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He started his career in 1986 with a vision to provide clients with customized strategies and services tailored to their individual financial circumstances. Michael supervises all areas of the client servicing process and leverages his CERTIFIED FINANCIAL PLANNER® certification to assist clients in navigating the complexities of their finances. His practice focuses on addressing clients' complex financial and family circumstances to help them pursue or maintain financial independence. Michael has extensive experience offering services such as Corporate Executive Services, Education Planning, Employee Benefits Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, and Socially Responsible, Values Based, and ESG Investing. He has been recognized consecutively on the 2023-2026 Forbes "Best-in-State Wealth Advisors" list. Additionally, he supports clients with their investment, banking, and mortgage needs, and represents business owners and executives for corporate lines of credit as well as investment banking efforts for strategic acquisition or succession planning. Michael earned a Bachelor's Degree from American University and a High School Diploma from Islip High School. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He grew up in Islip, NY, and currently lives in Stamford, CT with his wife Leslie and their two children, Roni and Russell. Michael's personal interests include boating, fishing, classic cars, attending sporting events, cooking, music, spending time with family, and traveling. He follows the Merrill tradition of community participation and spends time volunteering with organizations in his community.

Elizabeth Abikaram is a financial advisor with Morgan Stanley, holding a Series 66 designation and ten years of industry experience. Her prior work includes positions at JPMorgan Chase Bank, JPMorgan Securities, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Angelo Mamone serves as a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management in White Plains, New York. In this role, he leads a team that assists clients and their families with managing various aspects of their financial lives. The team's approach emphasizes care and approachability, reflecting a strong commitment to clients' long-term welfare. Since beginning his career in financial services in 2008, Angelo has developed particular expertise in helping union members navigate retirement decisions and their effects on investments and income streams. He also provides guidance to small business owners on the intersection of professional and personal finances. His advisory services cover retirement strategies, customized investment management, income preservation, and lending access through Bank of America, N.A. Angelo focuses on delivering tailored financial solutions and fostering lasting client relationships based on trust and responsiveness. Angelo holds a Bachelor's Degree from Iona College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, he enjoys traveling, with a particular interest in Italy, as well as engaging in golf, hiking, cooking, and photography.

Aarti Mathur is a Financial Advisor with Merrill Lynch Wealth Management, currently serving as a Team Financial Advisor with Mathur, Simmons & Associates. In her role, she focuses on providing a high-quality client experience and assisting individuals and families in achieving their financial goals, particularly in areas such as retirement planning, college education planning, legacy planning, tax minimization, employee financial health, and retirement income. Before joining Merrill, Aarti practiced employment law as an attorney in New York City. Her legal background informs her approach as a fiduciary advisor, ensuring each decision is made with diligence, care, and skill. She holds a Juris Doctorate from Benjamin N. Cardozo School of Law and a bachelor's degree in psychology from Wesleyan University. Aarti lives in Greenwich, Connecticut with her husband and two children. Her personal interests include cooking, skiing, tennis, and traveling. Aarti holds the professional designation of Personal Investment Advisor (PIA). She does not provide legal or tax advice in her current role.

Kenneth Di Cairano is a CFP® professional with 33 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and previously worked at MetLife Securities for 11 years. Di Cairano holds an inactive CPA designation and is a partner in Harbor Oak Professional Services, LLC, which manages tax-related matters and IRS interactions for the partnership. MassMutual Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, and charitable organizations by providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce, estate-settlement, and employer-sponsored planning.

Gisell Rivera is a financial advisor with Primerica Advisors in Elmsford, NY, holding a Series 63 designation and 19 years of industry experience. She has been with Primerica Advisors since 2007 and has worked at Primerica Financial Services since 2004. In addition to her advisory role, Rivera is involved in sales of investment-related products and provides referrals for home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of financial advisors and employs model-driven strategies managed by unaffiliated asset managers.

Hernando Paredes is Vice President and Financial Consultant at Fidelity Investments, where he supports clients in creating and maintaining financial plans tailored to their specific goals for future years and generations. He offers a personal level of service and ongoing support through a dedicated service team, assisting clients whether they seek an ongoing planning partnership or occasional timely assistance. His professional experience includes roles at Fidelity Investments since 2013, progressing from Investment Consultant to Financial Consultant, and currently Vice President, Financial Consultant since 2023. Prior to Fidelity, Hernando worked as Senior Investment Counselor and Investment Counselor at T. Rowe Price, Licensed Financial Specialist at Wachovia Bank, and Financial Advisor at Ameriprise Financial. Outside of his professional work, Hernando engages in family activities, music, outdoor adventures, reading, and soccer.