William Rugen is a financial advisor with Cetera, holding a Series 63 designation and bringing 39 years of industry experience. His career includes roles at Lincoln Financial Advisors, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Outside of advisory work, he is involved in tax preparation and insurance sales, including life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a variety of portfolio management options and third-party money managers, supporting both discretionary and non-discretionary account management.

Nelida Flynn is a financial advisor with Primerica Advisors, holding a Series 63 designation and 19 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2006. Outside of her advisory role, she owns Adilen Enterprises Inc., a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, offering a range of investment models implemented through established custodians.

Michael Di Filippo is an advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has one year of industry experience and previously worked at Freedom Boat Club and Northwestern Mutual Investment Management. Outside of advising, he operates an insurance brokerage focused on life, disability, long-term care, fixed annuities, and health products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning engagements.

Kenneth Cerini is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, Cerini is involved in nonprofit activities, including serving as treasurer on the board of the Nonprofit Resource Hub and as president of the Cerini Family Foundation, and he manages a tax preparation firm. Ameriprise is an institutional firm offering a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations delivered in partnership with a client's financial advisor.

Dominick Carano Jr. is a financial advisor with Equitable Advisors and holds Series 66 and Series 63 credentials. He has four years of industry experience, including prior roles at JP Morgan Chase Bank and JP Morgan Securities LLC. Outside of his advisory work, he is involved with Cost Risk Planners, a separate business focusing on property and casualty sales. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of advisors and third-party managers.

Jennifer Kirchner is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at American Portfolios Advisors, Inc. from 2010 to 2011. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting through a large network of over 14,000 advisors and substantial assets under management.

Raffelina Cipriano is a financial advisor with Primerica Advisors, holding a Series 63 designation and 11 years of industry experience. She has worked at Primerica Advisors since 2015 and concurrently holds roles with Alaska Airlines and Virgin America. Outside of her advisory work, she serves as Vice President of the Marco Polo Lodge OSDIA in Levittown, NY. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-based strategies managed by third parties and supports clients with custodial and trade execution services through Pershing.

Inderpal Anand is a financial advisor at LPL Financial with 29 years of industry experience. He holds a Series 63 designation and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Anand operates advisory businesses under the names Anand Wealth Management and Anand & Associates. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, combining strategic, tactical, and alternative investment options supported by research tools and institutional partnerships.

Rinaldo Crassa is a CFP®-certified financial advisor with 23 years of industry experience. He is currently affiliated with Raymond James Financial and Hendel Wealth Management Group, where he supports client services and prospecting efforts. His career includes prior roles at Ameriprise Financial Services, HSBC Securities, and BNY Mellon Securities. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Jerry Style is a financial advisor with Cetera who holds the Series 63 designation and has 31 years of industry experience. His career includes long-term tenures at Avantax Advisory Services and Avantax Investment Services, as well as roles at Manhattan Life Insurance Co and Quality Health Plans of New York. Outside of advising, he serves on the board of Freedom Tax & Business Services, a company specializing in tax preparation and accounting. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers, with programs tailored through discretionary and non-discretionary authorities.

Jann Trefny is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has accumulated over 30 years of experience in the financial services industry. Prior to joining Merrill Lynch, he held various positions at Morgan Stanley, UBS Financial Services, Swiss Re Asset Management, and Credit Suisse. Jann earned a Master's degree in Economics from the University of Zurich in Switzerland. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include Divorce Transition Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Legacy Planning, Personal Retirement Planning, Portfolio Management Services, Socially Responsible and ESG Investing, Individual and Corporate Investment Strategy, and Retirement Income. Outside of his professional career, Jann has an athletic background as the Swiss decathlon champion in 1989 and a representative for Switzerland in the World Championships in Tokyo in 1991. He enjoys biking, football, gardening, photography, running, skiing, soccer, spending time with his family, traveling, and watching movies.

Vasilios Ageletopoulos is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC for a combined 21 years. Outside of his advisory role, he is employed by MMM Consulting Group as a franchise advisor. 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 a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered primarily by investment adviser representatives using various strategic and tactical investment approaches.

Haley Graber is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she worked at Fishkin Lucks LLP and Epiq Global among other firms. She owns and operates Dolly's Farm LLC, a floral design and flower farm in East Hampton, NY. 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 provides both brokerage and advisory solutions.

James Taska is a financial advisor at Cambridge Investment Research Advisors with a Series 66 designation and three years of industry experience. His prior roles include positions at Alpha Wealth Advisor LLC and Guardian Life. Before entering the financial industry, he worked for the New York City Department of Education for 13 years. Cambridge Investment Research Advisors, Inc. serves a diverse group of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and provides access to multiple platforms, custodians, and proprietary model strategies.

Samuel Chi is a Series 66 licensed financial advisor with Equitable Advisors, based in Melville, NY, and has seven years of industry experience. His prior roles include positions at Axa Advisors, NewDay USA, Coastal Equities Inc., and Fortis Lux Financial. He operates a separate wealth management business under Dayton & Sydney Wealth Strategies Group, LLC. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm emphasizes customized advice matched to client risk tolerance and utilizes third-party asset managers and programs for implementation.

Michael Beza is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 65 and Series 63 licenses and has been with J.P. Morgan Securities since 2012, following a brief tenure at Chase Investment Services Corp. in the same year. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, including ESG considerations, supported by centralized due diligence and implementation by affiliated entities.

Vincent Grappone is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior experience includes roles at SUNY Oneonta, Biltmore Beach Club, and Riteway Seamless Gutters. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Karen Sendel is a financial advisor at Morgan Stanley in Melville, NY, holding Series 63 and Series 66 licenses with 44 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market-based modeling techniques.

Nino Luciano is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 23 years of industry experience. He has worked with MassMutual since 1992 and MML Investors Services since 2002. Outside of his advisory role, he is an insurance agent involved in individual and group life and health insurance brokerage. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, educational seminars, and specialized event-driven planning services.

Peter Scelfo is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. He has been with LPL Financial since 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by a large network of advisors and advanced research and operational tools.