Karen Dillon is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working at Jpmorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program combines quantitative and qualitative research to build model asset allocations and incorporates ESG criteria in its recommendations.

Mia Juneja is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work includes roles at Wells Fargo and JPMorgan Chase Bank, N.A., as well as experience outside financial services in hospitality and wellness. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach combines quantitative and qualitative research with forward-looking capital market assumptions and includes broader derivatives and commodities capabilities.

Sarah Barbey is a financial advisor with J.P. Morgan Securities in White Plains, NY. She holds Series 63 and Series 66 registrations and has four years of industry experience. Prior to joining J.P. Morgan Securities in 2023, she worked at Morgan Stanley from 2021 to 2023 and held various positions across consulting and staffing firms. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process incorporates centralized due diligence with a mix of quantitative and qualitative research and includes a broader regulatory registration profile that supports derivatives and commodities capabilities.

Christian Griffin is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 and Series 63 designations and has worked previously at BNY Mellon, J.P. Morgan Securities, and AllianceBernstein L.P. Griffin serves as a board member for the Adam J. Lewis Academy. 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 and profit-sharing plans, corporations, and charitable organizations.

B Kunstreich is a CFP®-designated financial advisor with Ameriprise, based in Rye, NY, and has 41 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Kunstreich is a part-time stamp dealer. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports using a combination of research, modeling, and tax-efficiency analysis, supported by algorithmic tools and a centralized consulting team.

John Murphy is a financial advisor at Osaic Wealth with 39 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at firms including American Portfolios Advisors, HSBC Bank USA, J.P. Morgan Securities, and Chase Investment Services. He is also licensed to sell insurance products, including fixed annuities. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and access to third-party money managers across multiple platforms.

Stephen Pendergast is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and possessing 41 years of industry experience. He has worked at City National Bank since 2019 and has been with RBC Capital Markets since 2017. His prior experience includes roles at Wells Fargo Clearing and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and customizes investment strategies through a combination of in-house and third-party managers, incorporating options for tax management and responsible investing.

Thomas Ruiz is a financial advisor with UBS Financial Services in Stamford, CT, holding a Series 66 designation and 18 years of industry experience. He has worked at UBS in various capacities since 2005. Outside of finance, he is a partner and owner of Vero Moreau LLC, a firm specializing in image consulting, fashion styling, and fashion merchandising. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor client strategies.

Alexander Strukov is a CFA® charterholder with 16 years of industry experience, currently serving as a financial advisor at Stifel since 2013. He holds a Series 63 license and is based in Stamford, CT. Stifel serves a diverse client base including individuals, institutions, and municipalities, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

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. Donato operates under the DBA Empire Financial Advisors for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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 position at Merrill Lynch Pierce Fenner & Smith since 2000. Her credentials include the Series 63 and Series 66 designations. 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 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 33 years of industry experience. His career includes long-term roles at Petersen Investments, Inc., Royal Alliance, and Cadaret, Grant & Co., Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supporting advisors with research tools and discretionary or non-discretionary investment strategies.

Gregory Sinno is a financial advisor with Cetera, holding a Series 63 designation and possessing 29 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, following a 23-year tenure at Foresters Financial. Outside of his advisory role, he serves as a trustee for Parents Trust. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial consulting services through a multi-manager platform with discretionary and non-discretionary options.

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 at Morgan Stanley in Stamford, CT, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she worked at Pfizer and studied at Syracuse University. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and a range of investment services supported by structured planning tools and firm-approved methodologies.

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.