Maria Cappa is a financial advisor with Ameriprise in Smithtown, NY, holding a Series 66 designation and 24 years of industry experience. She has worked with Ameriprise and its affiliate since 2005. Outside of financial advising, she is involved in fitness coaching through her business ownership of MJC Times 3 Inc. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds, providing tailored recommendation reports on income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement advice through a centralized consulting team.

Michael Hordy is a financial advisor at LPL Financial with 40 years of industry experience. He holds a Series 63 designation and previously worked at Stifel Nicolaus & Co Inc for 15 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Patrick Passaretti is a financial advisor at Osaic with 10 years of industry experience. He holds the Series 66 designation and has previously worked at American Portfolios Financial Services, Inc. and Progressive Advisory Solutions. Outside of his advisory work, he is involved with PPS Advisors, Inc., offering insurance and fixed annuities, and serves as a member of Karapat Realty LLC. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through an extensive network of financial advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and automated rebalancing to construct portfolios across various asset classes on both discretionary and non-discretionary bases.

Donald Johannes is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 35 years of industry experience, including five years at Ameriprise and eleven years at Ameriprise Financial Services, Inc. He is currently based in Melville, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Parul Patel is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America since 2006. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Carolyn Weiss is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and comprehensive asset management.

Stephen Testa is a financial professional with LPL Enterprise and holds the Series 66 designation. He has experience since 2021 at Cotgreave Insurance Agency and previously spent over 30 years with Testa Brothers Ltd. Testa is also involved in property and casualty insurance through Cotgreave Insurance Agency. LPL Enterprise serves a diverse clientele, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by proprietary research and model portfolios.

Chase Cetta is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to joining Cetera in 2025, he held positions at Avantax Advisory Services and Mazars USA LLP. He is also a Certified Public Accountant and serves as Treasurer for a local Knights of Columbus chapter, where he manages council funds and accounting records. Additionally, he participates on the audit committee for the Northport East Northport School District. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures, featuring both discretionary and non-discretionary solutions and access to affiliated and third-party money managers.

Andrew Morgasen is a financial advisor at Cetera with 15 years of industry experience. His prior roles include positions at Charles Schwab, Ameriprise Financial Services, LPL Financial, and Next Financial Group. Morgasen holds Series 63 and Series 66 licenses. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through multiple program structures and custodial relationships, supported by over 10,000 advisors and approximately $256 billion in assets under management.

William Hermanek is a Financial Consultant at Fidelity Investments, where he collaborates with local individuals and families to develop transparent financial plans. His approach focuses on building, preserving, and distributing wealth to align with clients' lifetime goals. Prior to his current role, William gained experience as a Private Client Advisor at JP Morgan from 2023 to 2024, and as a Financial Advisor at Equity Services from 2021 to 2023. Through these roles, he has developed expertise in managing client wealth and financial planning. Outside of his professional work, William has interests in beach activities, biking, movies, parenthood, and photography.

Thomas O'Grady is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping individuals and families build, protect, and transition their wealth by creating personalized strategies aligned with their values, aspirations, and legacy. His areas of expertise include family wealth management strategies, employee financial health, legacy planning, managing new wealth, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Thomas holds a High School Diploma from Oyster Bay High School, an Associate's Degree from Daytona State College, and a Bachelor's Degree from the University of Florida. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional role, Thomas is involved with Planting Fields Arboretum State Historic Park and enjoys various outdoor activities such as boating, cycling, motorcycling, and spending time with his family and two dogs.

Joseph Iucci is a financial advisor with Primerica Advisors, holding a Series 63 designation and 28 years of industry experience. He has been with Primerica Advisors since 1997 and Primerica Financial Services since 1996. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Nina Mcelroy is a financial advisor with Merrill in Melville, NY, holding Series 63 and Series 66 credentials and 28 years of industry experience. She has been with Merrill since 2009 and concurrently associated with Bank of America N.A. since 2007. Outside of her advisory work, she serves on the board of trustees for The Governor's Academy, an educational institution in Massachusetts. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services primarily through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a mix of model-based and discretionary investment strategies developed by internal and third-party managers, with a range of tactical and tax-aware asset allocation options.

Alexander Salem is a CFP® professional with 10 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2018, and previously worked at David Lerner Associates. Salem operates under the DBA Attitude Financial Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, offering tailored strategies via various custody and platform arrangements and both proprietary and third-party model solutions.

Samuel Moss is a financial advisor at Cetera with 45 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at North Ridge Securities Corp. and 4M Capital Services, LLC, where he serves as owner and president. Outside of advisory roles, he is involved in fixed insurance sales, including life, health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement various portfolio management strategies with discretionary and non-discretionary options, supporting more than 10,000 advisors and overseeing over $256 billion in assets.

Kyle Piechucki is a financial advisor at Edward Jones in Plainview, NY, with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Forfini LLC for ten years. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 financial advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs and separately managed accounts.

Vincent Giardini Jr. is a financial advisor with Primerica Advisors in Holbrook, NY, holding Series 63 and Series 65 licenses and five years of industry experience. Prior to joining Primerica Advisors in 2021, he worked at Primerica Financial Services beginning in 2020 and has experience at Data Device Corp and Stony Brook University. His activities include the sale of loan products and referrals for home security and automation services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program that serves individual investors, corporate, and charitable clients. The firm operates at scale with approximately 3,700 advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party managers and custodians.

Michael Uvenio is a financial advisor with LPL Financial, holding a Series 63 designation and 24 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ameriprise and Ameriprise Financial Services, Inc. from 2015 to 2025. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management supported by research and model portfolios.

John Cullinan is a financial advisor at LPL Financial in Melville, NY, holding a Series 66 designation with 24 years of industry experience. His prior roles include positions at American Portfolios Financial Services and TD Bank, N.A., including TD Private Client Wealth. Outside of his advisory work, he is involved with Cullinan and Travaglianti Planning Incorporated, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting its clients with discretionary and non-discretionary management, model portfolios, and research from both in-house and third-party sources.

Ruth Ann Kalage is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2012 to 2016. 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 advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.