Mark Gutner is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. He has spent more than 20 years with Merrill, focusing on providing a comprehensive approach to wealth management for individuals and families. Mark holds the designation of Personal Investment Advisor (PIA) and is a qualified Senior Portfolio Manager. In this capacity, he manages personalized and defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Mark’s expertise encompasses wealth accumulation, preservation, and estate transfer, offering clients access to the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America. He emphasizes a collaborative approach that prioritizes understanding clients' life priorities to create personalized financial plans. Mark holds a Bachelor's degree and an MBA from Adelphi University. He resides in Rockville Centre, New York, with his wife, Allison, and has two children living in Manhattan.

Joseph Esposito is a financial advisor at UBS Financial Services with seven years of industry experience. He holds a Series 66 credential and has previously worked at Morgan Stanley Private Bank and Morgan Stanley. His background also includes roles at Greenwich Associates, Trinity Laser Inc., ReImagine Holdings Group, and Fairfield University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment plans.

Joanne Lam is a financial advisor at Osaic with 19 years of industry experience. She holds a Series 66 designation and has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. Additionally, she serves as a member of the Holmdel Board of Education. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct diversified portfolios for its clients.

Gerardo Santangelo is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc., and Bank of America, N.A. prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Hyacinthia Roberts is a financial advisor with Cetera, holding a Series 63 designation and 28 years of industry experience. Her career includes long-term roles at Avantax Investment Services and Avantax Insurance Agency, as well as a six-year tenure at Aetna. She is also the owner of a small accounting and tax preparation business and serves on a neighborhood advisory board focused on community surveys. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Daniel Buckley is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. He is based in Staten Island, NY. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a centralized consulting team and algorithmic tools to deliver tailored, non-discretionary advice as part of a broad range of advisory, brokerage, and insurance solutions.

Stephen Sassi is a financial advisor at Edelman Financial Engines with 20 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Charles Schwab and Financial Engines Advisors L.L.C. prior to his current role. Edelman Financial Engines offers technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, provides sub-advisory services, and serves a large client base through advisor-led and online platforms.

Mathew Santos is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016, alongside his tenure at Merrill beginning in 2015. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Masone is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the Bank of America Merrill organization since 2014, beginning as a Relationship Manager with Bank of America. Over the years, he has held various roles within the organization, leading to his current position in Merrill's Private Executive Services team. Paul specializes in a client-focused approach, emphasizing personalized wealth management strategies tailored to individual financial situations and goals. His expertise includes equity compensation, financial management, banking, retirement planning, college education planning, and socially responsible investing, among other areas. He works directly with clients and their families to create flexible strategies responsive to changing needs and market conditions. He graduated from the City University of New York's School of Professional Studies with a bachelor's degree in Business. Paul holds several professional registrations and designations, including Series 7 and 66 FINRA registrations, New York State Life/Accident & Health Insurance certification, Accredited Wealth Management Advisor™, Chartered Retirement Planning Counselor™, and Sports & Entertainment Accredited Wealth Management Advisor™. Outside of work, he spends time with family and enjoys activities such as baseball, football, gardening, genealogy, hiking, reading, running, traveling, and watching movies.

Godfrey John is a financial advisor with Primerica Advisors in Valley Stream, NY, holding a Series 63 designation and 15 years of industry experience. He has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2009. Outside of his advisory role, he owns Integrated Technology Business Solutions and is involved with Chemma Consulting, Inc., both unrelated to investment management. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Babak Rambod is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. He has been with Mass Mutual Investors Services since 2011 and with MassMutual Life Insurance Company since 2010. Outside of his advisory work, Rambod serves as an officer of the Yosef Chaim Foundation, a charitable organization, and is an author writing about finance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved software and offers various programs including wrap and money-manager options as well as educational seminars.

Christopher Liotta is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2013 and Maximus Financial Services since 2009. Outside his advisory work, he is an independent insurance agent specializing in disability, fixed annuities, life/accident/health, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates as a multi-manager platform that provides access to both affiliated and third-party investment managers.

Keith Mirto is a financial advisor with RBC Capital Markets in New York, NY, holding Series 63 and Series 66 registrations and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customized investment strategies implemented through various portfolio management solutions and integrated capital markets capabilities.

Mikhail Khochinsky is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2005. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Steven Benjamin is a financial advisor with LPL Financial in Woodmere, NY, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His prior roles include positions at Sterling National Bank, National Securities Corp, and M&T Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-supported strategies.

Michael Mattiello is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he helps successful individuals, families, and business owners make informed financial decisions that support their long-term goals. His expertise includes investment management, personalized financial planning, retirement and income strategies, business owner solutions, tax-efficient planning, and legacy and estate planning support. Michael's approach integrates customized portfolio construction, retirement and estate planning strategies, risk management, and multigenerational wealth planning. He collaborates closely with specialists across Merrill Lynch to provide clients with comprehensive resources and personalized advisory care. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He holds a Bachelor's Degree from Ithaca College. Outside of his professional work, Michael participates in community volunteering and enjoys personal interests such as baseball, drawing, hunting, music, reading, singing, skiing, spending time with his family, traveling, and writing.

Rosalie Maiorano is a financial advisor with OSAIC, holding Series 63 and Series 65 registrations and bringing 27 years of industry experience. She has been affiliated with Royal Alliance Associates since 2005. Outside of her advisory role, Maiorano operates tax preparation businesses, including RVM Tax Services and Maiorano & Associates, Inc., providing personal income tax and accounting services. OSAIC serves a diverse client base comprising individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services across multiple platforms, utilizing various asset allocation tools, automated rebalancing, and offers access to both proprietary and third-party investment solutions.

Frank Devito is a financial advisor with Charles Schwab in New York City, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He previously worked at UBS Financial Services Inc. from 2016 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, providing clients with multi-asset model portfolios and access to alternative investments within a large-scale, integrated service structure.

Angela Di Martino is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank, N.A. and Signature Securities Group Corp./Signature Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Tanmeeka Ahuja is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. Her prior work history includes positions outside the financial industry, and she is also engaged in babysitting on weekends through a platform called UrbanSitter. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies.