Nadi Beciri is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank, SSB in 2021, Beciri worked at Bank of America, Merrill, and David Lerner Associates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options with centralized custody and a distinctive operational model that integrates advisory and brokerage services.

Yamelyn Asencio is a financial advisor at J.P. Morgan Securities with one year of experience at the firm. She holds a Series 66 designation and has prior experience at Wells Fargo Bank and other firms. Outside of her financial career, she has been involved with BYD Home Restoration Inc. since 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating quantitative and qualitative research.

David Lasco is a financial advisor with Ameriprise in Valhalla, NY, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he serves as Co-President of the Fordham University Alumni Westchester and sits on the Board of Directors for the Financial Planning Association of the Greater Hudson Valley. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Brian Valente is a financial advisor with Equitable Advisors in Pelham, NY, holding a Series 66 designation and 27 years of industry experience. He has worked at Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Valente serves as a board member and co-president of two nonprofit organizations: the Chester Park Association and the Pelham Booster Club, both of which focus on community activities and local engagement. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a variety of advisory programs and third-party asset managers, emphasizing personalized client risk assessment and model-based investment strategies.

Joshua Elbaum is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Padell Business Management, J.P. Morgan Private Bank, and has been involved with the Rising Stars Youth Foundation. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies.

Ryan Hetzer is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Miyuki Kiyota is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016, following a brief tenure at Townsend. 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 plans, corporations, and charitable organizations.

Ghedalia Gold Pastor is a Series 66 licensed financial advisor with eight years of industry experience. Currently with Merrill and Bank of America, Pastor’s prior experience includes roles at Tesla Inc. and Consigli Construction Co. from 2016 to 2017, as well as time at the University of Maryland. 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.

Micah Stavenhagen is a Series 66 licensed advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan, he was employed by JPMorgan Chase Bank, N.A. and was involved with Ironhorn Enterprises. 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 and qualitative research to develop model asset allocations and incorporates ESG eligibility frameworks.

Ryan Cabrera is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining LPL Financial in 2023, he worked at Cetera Investment Services and Cetera from 2019 to 2023, and Foresters Financial Services in 2018. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and oversight of substantial discretionary assets.

Todd Kingsbury is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. He serves on the boards of the D C K Endowment Fund Inc. and HomeWorks Trenton, Inc., an organization focused on education and housing for women in marginalized communities. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Aaron Simone is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has worked with JPMorgan Chase Bank, N.A. since 2009. 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 uses a research-supported advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp for 24 years. He is a co-owner of two consulting businesses that offer insurance and group medical coverage services. OSAIC serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services through a multi-advisor platform, with an investment process centered on model-based asset allocation and portfolio optimization.

Deon Smith is a Series 66–licensed financial advisor with 20 years of industry experience, currently practicing at Merrill since 2013. Based in White Plains, NY, he has spent over a decade with Merrill. 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 strategies developed by internal and third-party managers.

Richard Cutler is a CFP®-certified financial advisor with 40 years of industry experience. He currently works with LPL Financial and has previously been affiliated with Linsco/Private Ledger Corp., Cutler Financial Services, LLC, and Nathan & Lewis Securities, Inc. In addition to his advisory work, Cutler is an independent insurance agent specializing in property and casualty, business, health, and disability insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers advisory and brokerage services through a large network of representatives, utilizing various investment models, third-party asset managers, and customized strategies.

Mahmoud Arjomand is a CFP® and ChFC® with 33 years of experience at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. He has worked with these firms since 1993. In addition to his advisory role, he is involved in sales at Polaris Risk Management Corp, which operates in life, property and casualty, and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Paul Marrero is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2016. Marrero is also the owner of Palisades Wealth Management, an investment-related business based in West Nyack, NY. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Pamela Wetherbee is a CFP® professional with 24 years of experience in the financial industry and has been with Ameriprise since 2011. She holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as the finance secretary for Fishkill United Methodist Church and is the First Vice Chair of her local Democratic Committee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Emily Bender is a financial advisor at Morgan Stanley with 12 years of industry experience. She has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Outside of her advisory role, she serves as an executor and trustee in estate administration activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling.

Roger Camp is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Roger's expertise lies in creating personalized financial plans that address his clients' unique ambitions, including education funding, retirement planning, and managing potential health care costs. He emphasizes connecting all aspects of a client's financial life to prioritize and pursue their most important goals, aiming to provide simplicity and transparency throughout the wealth planning process. Roger earned an Associate's Degree from New Mexico Military Institute, followed by both a Bachelor's and a Master's Degree from the University of Texas at Austin.