Oscar Escobar is a financial advisor with Merrill in East Meadow, NY, holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of investment strategies including model-based and discretionary options to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm leverages integration with Bank of America's broader platform, providing access to a wide array of products and services.

Nicolo Platas is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 36 years of industry experience. He previously worked at Metlife Securities Inc. for 29 years before joining Mass Mutual in 2016. In addition to his advisory role, he is also licensed as an insurance broker, selling life and long-term care insurance. Mass Mutual Investors Services 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, using firm-approved software to analyze client goals and deliver written recommendations.

Ronald Schmitt Sr. is a financial advisor with Primerica Advisors in New Rochelle, NY, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has been with Primerica Advisors since 1989 and with Primerica Financial Services since 1988. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited selection of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Kyle Robbins is a Financial Consultant at Fidelity Investments, where he works with individuals and families to develop personalized financial plans tailored to their unique goals. He provides strategies focused on retirement planning, income management, asset organization, and investments. Kyle joined Fidelity Investments in 2022 and has held several roles within the firm, progressing from Financial Representative to Investment Consultant before his current position as Financial Consultant. His experience is centered on delivering holistic financial planning and fostering client trust and clarity regarding their financial futures.

Tymmetha Danny is a Series 66-licensed financial advisor with Merrill, based in Williston Park, NY. Danny has prior experience at Bank of America, Santander Bank, and Citizens Bank, among other roles in the financial sector. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, pension plans, and charitable organizations. The firm’s investment approach includes CIO-constructed model-based strategies implemented alongside discretionary management by affiliated Style Managers, integrated within Bank of America’s broader financial platform.

George Lorenz is a financial advisor with LPL Financial in Melville, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2014. Outside of his advisory role, he is involved in non-variable insurance sales, including life and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning and advisory programs, incorporating model portfolios and research from multiple sources, alongside various non-advisory products such as insurance and lending programs.

Paul Barbarino is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Sari Warsaw is a financial advisor with Morgan Stanley in Jericho, NY, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She previously worked at UBS Financial Services Inc. for 10 years before joining Morgan Stanley and its Private Bank division in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides financial planning services that utilize firm-approved tools and modeling techniques.

Li May Bystricky is a Series 66 licensed advisor with Merrill in Melville, NY. She has over 25 years of industry experience, including a long tenure at Bank of America prior to joining Merrill. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Lili Monassebian is a financial advisor at OSAIC with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services, Inc. for 15 years before joining OSAIC in 2024. OSAIC serves a diverse range of clients, including retail and institutional investors, through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with portfolio construction supported by asset-allocation tools, risk-tolerance assessments, and access to third-party money managers.

Renee Pun is a financial advisor at Cetera with 19 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Merrill, UBS Securities LLC, and other firms. 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, utilizing a multi-manager platform with various program structures and custodial relationships.

Craig Silverman is a financial advisor with Equitable Advisors who holds Series 63 and Series 65 licenses and has 32 years of industry experience. He has been with Equitable Advisors since 2005 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he serves as a residential property tax grievance consultant, preparing paperwork to contest property tax assessments. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

George Frenzel III is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 19 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Francie Brown is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Prior to her current role, she worked at Raymond James Financial Services Advisors, Inc. and Wells Fargo Clearing. Outside of her advisory work, she serves as an Operations Manager for multiple support companies affiliated with wealth management. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include specialized areas such as business-owner transition and special-needs analysis. The firm supports advisors with research and planning tools while integrating advisory services with other financial products and referral channels.

Raquel Pazmino Coff is a financial advisor at Fidelity with 11 years of industry experience. She holds the Series 66 designation and has worked at JP Morgan Chase Bank, Morgan Stanley, and their affiliated entities prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

John Mayo is a financial advisor with LPL Financial who holds a Series 63 designation and has 29 years of industry experience. Prior to joining LPL Financial in 2025, he worked at OSAIC for seven years and Signator Investors, Inc. for 21 years. Mayo is also involved in non-variable insurance related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network of advisors. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Jacqueline Motta is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Michael Browne III is a financial advisor with Morgan Stanley, holding a Series 66 designation. He has been in the industry since 2023, with prior experience at Northwestern Mutual and Ci Siamo, as well as involvement in hospitality at Uncle Jack's Steakhouse. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, managing approximately $2.74 trillion in assets and offering tailored financial planning supported by firm-approved tools and processes.

Gary Carruthers is a financial advisor with Wells Fargo Clearing in Woodbury, NY, holding a Series 66 designation and 18 years of industry experience. He previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo in 2024. Outside of advising, he is a co-owner of Two Havens Brewing Company LLC, a business that sells beer and merchandise. 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. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Melissa Reali is a financial advisor with Mass Mutual Investors Services in Woodbury, NY, holding a Series 63 designation and 28 years of industry experience. She has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 1997. In addition to her advisory role, she is involved in individual life, health, group life, and group health insurance sales. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, as well as educational seminars.