Thomas Heinbockel is a CFP® and Series 66-licensed advisor with Edward Jones in Nyack, NY, with 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs including managed solutions and separately managed accounts, operates under a fiduciary standard, and supports its services with a nationwide network of over 23,000 financial advisors.

Karina Vega Gonzalez is a financial advisor with J.P. Morgan Securities in Pearl River, NY, holding Series 63 and Series 65 licenses and six years of industry experience. She previously worked at TD Private Client Wealth LLC and TD Bank N.A. for a combined ten years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Daniel Gao is a financial advisor with OSAIC in Scarsdale, NY, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Lincoln Financial Advisors, JPMorgan Chase, Citigroup, and Fidelity Investments. Outside of his advisory work, he is the sole owner and president of New Horizons Advisory Group LLC, which provides market research and consulting services to businesses. OSAIC serves a diverse client base including retail investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a wide range of investment programs and third-party manager options.

Thomas Lucas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Edward Jones and Charles Schwab, where he worked for over 17 years. 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 advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical for large institutional advisors.

Brent Jackson is a Financial Consultant currently working at Fidelity Investments since 2024. Prior to this role, he served as a Financial Consultant I at Fidelity Investments from 2021 to 2024. His financial advisory experience also includes positions at MassMutual from 2019 to 2021 and Axa Equitable from 2018 to 2019. Additionally, Brent was a Branch Manager at OneMain Financial from 2006 to 2018. Throughout his career, Brent has focused on understanding clients' priorities to develop personalized financial plans aimed at achieving their current and future goals. He emphasizes building lifelong relationships and fostering trust with those he works with. Outside of his professional work, Brent engages in family activities and enjoys fishing, football, and movies. He is also involved in volunteering.

Daniella Reyes Arroyave is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 66 designations. Prior to her current role, she worked at Florida International University and has been involved with Innova Seeds Company, an agriculture business, for nine years. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and modeling tools, delivering tailored solutions primarily in an advisory capacity.

Khary Miller is a financial advisor with LPL Financial in Tarrytown, NY, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked at firms including Lexco Wealth Management, Clearstone Wealth Strategies, Voya Financial Advisors, and Pinnacle Wealth Management. Outside of his advisory roles, he serves as a firefighter in White Plains, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Avinoam Efraim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services, Mass Mutual Life Insurance Company, and MSI Financial Services, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs, alongside affiliated insurance and trust services.

Derek Collazo is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with firms including Axia Financial Advisors and Raymond James Financial Services. He is also involved in a support company, Derek Collazo, LLC, which is not investment related. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal and public-finance advisory services.

Andre Korogodon is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, bringing 41 years of industry experience. He previously worked for Cantella & Co., Inc. for over two decades before joining Cambridge in 2022. Outside of his advisory role, he is the owner of Repertoire Wealth Management and is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base, including individuals, institutions, pension funds, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a broad network of financial professionals. The firm supports both discretionary and non-discretionary management and features proprietary model strategies under the Founders Gate Capital brand.

Ryan Duffy is a Wealth Management Advisor and a founding member of the Windsor Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1994, bringing over 36 years of industry experience to his role. Ryan oversees all aspects of his team's operations, including strategic planning, the wealth management process, investment strategies, and client service, focusing on legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His approach includes a thorough process that stress tests clients' goals to quantify the probability of achieving their financial objectives. Ryan holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Arts degree from Seton Hall University in South Orange, New Jersey. His community involvement includes membership in the Knights of Columbus in Ramsey, New Jersey, where he served as Grand Knight from 2000 to 2002, and participation in the Friendly Sons of St. Patrick in New York City. Ryan also served on the Seton Hall University Alumni Board of Directors from 2008 through 2017, including a term as President from 2015 to 2017, and was a member of the Seton Hall University Board of Regents during the same period. He resides in Basking Ridge, New Jersey, and enjoys basketball, football, and golfing.

Bryan Murray is a financial advisor with OSAIC in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He worked for Lincoln Financial Advisors Corporation for 10 years before joining OSAIC in 2025. In addition to his advisory role, Murray acts as an insurance agent offering disability, long-term care, fixed annuities, equity-indexed annuities, and traditional life insurance through his separate business, Wealth By Design. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, and corporate clients, delivering brokerage and advisory services through various programs such as comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by multiple managed account options and third-party platforms.

Jonathan Rosen is a CFP® with 10 years of industry experience currently affiliated with Cetera. He has held positions at multiple Cetera entities since 2026 and previously worked at MassMutual Life Insurance and Investors Services for seven years. Rosen also operates Rosen CPA LLC and serves on the NJCPA Society Bergen Chapter Board. He has been involved with Rutgers University’s New Brunswick campus since 2013. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting both discretionary and non-discretionary strategies.

Caesar Silvestro III is a financial advisor at Ameriprise with a Series 66 designation and three years of experience at the firm. His background includes teaching roles at William Paterson University and Bergen Community College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers 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.

Joseph Silva is a financial advisor at Ameriprise with 22 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Nour Shurbaji is a CFP® and Series 63 credentialed financial advisor with six years of industry experience. She is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities, LLC, Meglio & Associates, and Bashar Hakim & Hakim Consulting LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s approach is model-driven, utilizing portfolios developed by its research department and third-party strategists, and it offers access to third-party asset managers and a wrap program.

Jordan Tripodi is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at several firms, including MassMutual Investors Services and DoorDash. His background includes roles outside the financial sector, such as with US Valet and VetPride Services. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes a structured discovery approach and firm-approved tools to model potential outcomes without providing individual security recommendations as part of standalone plans.

Christopher Richards is a financial advisor with LPL Enterprise, LLC, holding Series 63 and Series 65 designations and 11 years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, Prudential Insurance Company of America, MassMutual Life Insurance Co, and New York Life Insurance Company. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities. The firm primarily employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Monece Andre Franco is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and Chase Bank, as well as academic positions at Ramapo College of New Jersey. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremy Brower is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he is a partner in Breathewave Technologies Inc., a health and wellness company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.