Michael Donofrio is a CFP® with 29 years of experience in the financial services industry. He is affiliated with Guardian Life and Park Avenue Securities, where he has worked for multiple overlapping periods since 1997. Donofrio is also the owner of Donofrio Financial Management, LLC, which manages certain insurance commissions unrelated to investments. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, and charitable organizations. The firm offers a combination of advisor-led discretionary management and model-based strategies, with access to proprietary and third-party platforms, and a range of financial planning and consulting services.

Michael Burns is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 1996. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles such as swap dealer and futures commission merchant.

Michael Levine is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Guardian Life and its affiliated entities since 2014. Outside of advisory services, he writes property and casualty, health, life, and long-term care insurance. Guardian Life, through its subsidiary Park Avenue® Wealth Management, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary programs and investment platforms.

Robert Ragusa is a financial advisor at Oppenheimer with one year of industry experience. He holds a Series 66 designation and has worked in various roles including positions at Eisenhower/Cantiague Golf Course and the University of Connecticut prior to joining Oppenheimer. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, and charitable organizations. The firm offers a range of investment programs and advisory services, managing both discretionary and non-discretionary portfolios across multiple asset classes.

Douglas Keller is a financial advisor with First Command Advisory Services and holds a Series 66 designation. He has 11 years of industry experience, including 10 years with First Command Advisory Services and its affiliated entities. Outside of his advisory role, he is the president of Harvest Capital Services Corp and co-founder of Unlock New Worlds, a start-up virtual reality company. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Dean Di Maggio is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked with Lincoln Investment Planning, Inc. since 2009 and previously with Tsa Management Inc. from 2007 to 2009. Outside of his advisory role, he is president of Dean C. Di Maggio Associates, Inc., a life insurance and fixed annuity sales business inherited from his father. Lincoln Investment Planning, LLC serves a broad client base including individuals, high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management through a combination of model portfolios, third-party managers, and discretionary and non-discretionary strategies.

Don Santos is a financial advisor at Empower Advisory Group with 32 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. His prior work includes extended tenures at TIAA-CREF and Prudential Investment Management Services, among others. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and retail brokerage clients. The firm’s approach integrates proprietary and third-party planning methodologies focused on long-term portfolio returns and savings rates, with services delivered through Empower’s recordkeeping and administrative platforms.

William Barry is a financial advisor with Eagle Strategies (NY Life) based in Melville, NY. He holds Series 63 and Series 65 licenses and has three years of industry experience. His work history includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2022, as well as experience with Harlem Children's Zone and the University of Maryland, College Park. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse range of individual and institutional clients. The firm emphasizes tailored recommendations and delivers advice through multiple program types, primarily managing assets on a non-discretionary basis.

Kun Li is a financial advisor with HSBC Securities (USA) Inc. in Flushing, NY, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Merrill, USAA Financial Planning Services, Bancwest Investment Services, and various HSBC entities since 2014. Outside of his advisory work, he is the owner and president of several non-investment businesses, including a liquor store, a fruit tea shop, and a bakery, though he does not actively manage these operations. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment options, utilizing model risk profiles and asset allocation strategies in partnership with HSBC Global Asset Management and other affiliated providers.

Charles Bilello is a Series 65 licensed advisor at Creative Planning with seven years of industry experience. He previously worked at Compound Capital Advisors and Pension Partners. Outside of his advisory role, he provides market education through a personal blog, email newsletter, Twitter account, and YouTube channel. Creative Planning offers wealth management, financial planning, and retirement plan advisory services to a diverse client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by various tailored investment solutions and maintains several affiliated service entities.

Donna Cobb is a financial advisor at TIAA-CREF with 28 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining TIAA-CREF and Tiaa in 2023, she worked at Morgan Stanley for ten years. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm separates point-in-time planning from ongoing discretionary management and serves as adviser to the TIAA Donor Advised Fund.

Jeffrey Tso is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked extensively with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. since 2015, and also operated My Sales LLC for a year. He serves as a dual-hatted Bank Officer at HSBC Bank (USA) N.A., providing bank-related products alongside his registered representative role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, providing both client-directed and discretionary investment solutions. The firm’s investment process incorporates multiple risk profiles and leverages HSBC Global Asset Management for asset allocation and fund due diligence, distinguishing itself with integrated advisory and brokerage capabilities as well as specialized offshore programs.

Xing Ma is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains a combination of large institutional scale and specialized market roles.

Xiaolan Kruk is a financial advisor at Guardian Life and Park Avenue Securities with one year of industry experience. She holds a Series 66 credential and has prior experience with National Financial Network and SK Global Development Advisors. Outside of her advisory work, she serves as a guide for a Chinese group at the Consumer Electronics Show, assisting entrepreneurs with navigation and translation. Park Avenue Securities LLC, a subsidiary of Guardian Life, provides brokerage and advisory services to individuals, retirement plans, and organizations. The firm offers a range of financial planning and investment management solutions, including discretionary and model-based strategies, supported by proprietary and third-party platforms.

Bernadette Baumgarten is a financial advisor with Eagle Strategies (NY Life) in Melville, NY. She holds Series 65 and Series 63 licenses and has 12 years of industry experience. Her background includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2013, as well as prior experience with Main Street Cafe. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory programs tailored to client objectives and administers a large portion of its assets on a non-discretionary basis within the integrated New York Life affiliate structure.

Christopher Koopman is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 21 years of industry experience. He has worked extensively with both firms since 2003. Outside of his advisory role, he has participated in a real estate advertisement photoshoot. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies, providing access to proprietary programs, third-party solutions, and insurance products through its connection with Guardian Life.

Stephen Murphy III is a financial advisor at Guardian Life with 17 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at New York Life and M Holdings Securities, among other firms. He also operates as an independent contractor offering disability insurance through Assurity. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm combines discretionary management with model-based strategies and offers a range of financial planning, consulting, and specialized investment solutions.

Cindy Rudbart is a financial advisor with Rockefeller Financial LLC, holding Series 63 and Series 66 credentials and 24 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined 14 years. Rudbart serves as a board member and finance committee participant for the Jewish Federation of Northern New Jersey, where she reviews the organization’s investments. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers portfolio management, financial planning, and consulting, and operates as a registered broker-dealer providing a broad range of investment services through a Private Advisor model and a consolidated investment platform.

Wendy Lam is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs supported by in-house research and sophisticated oversight.

Allison Henek is a financial advisor at Guardian Life with 20 years of industry experience and holds a Series 66 designation. She has worked primarily with Park Avenue Securities and Guardian Life since 2008. In addition to her advisory role, she is employed as a corporate analyst performing administrative data entry for a hospital. Park Avenue Securities, a wholly owned subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate retirement plans, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary wrap programs, third-party advisory solutions, and integrated lending options.