Richard Dorfman is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Kalle Ruga is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, he is employed by Certainty of Uncertainty, LLC, an advisor-owned entity established to manage his practice. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Daniel Giuliante is a Series 66-licensed financial advisor with one year of industry experience, currently with LPL Enterprise. Prior to joining LPL Enterprise, he held roles at Lion Search Group and Execu-Search. He is also associated with Daniel Giuliante LLC, a business entity for tax and investment purposes. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and corporate entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers access to insurance products and affiliated trust services.

Joseph Breakstone is a financial advisor at Cetera with 14 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at firms including Lincoln Financial Advisors and North Ridge Wealth Planning, where he serves as Operations Principal. Breakstone has been with Cetera since 2022. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers various portfolio management and retirement services using a multi-manager platform that includes affiliated and third-party managers, with more than $256 billion in assets under management.

Jeffrey Shuster is a financial advisor with Wells Fargo Clearing in Melville, NY, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthew Tesoriero is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Flynn Zito Capital Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its role in managing model portfolios and its advisory work with fund-of-funds and registered investment companies.

Aidan Keane is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. His prior work includes roles at Northwestern Mutual and Bank of America, N.A., as well as entrepreneurial experience running Integrity Sealcoating and Junk Removal, LLC. He has also worked in dining services and other service roles. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gary Ranftle is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 38 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2004. Outside of his advisory role, he is involved in an outside insurance brokerage focusing on individual and group life and health, as well as property and casualty insurance sales. 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, wrap and money-manager programs, and educational seminars, using firm-approved software and collaborative planning approaches.

Stephen Hiller is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 license and has been affiliated with both Merrill and Bank of America, N.A. since 2011 and 2012 respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides model-based and discretionary managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of investment strategies including tax-aware options and support for reasonable investment restrictions.

Susan Candia is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022. Prior to her career in finance, she spent over a decade at Farmingdale State College. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured planning tools and a comprehensive investment approach.

Andrew Cuffaro is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. Prior to his advisory career, he was employed at Modell's Sporting Goods and Farmingdale State College. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Vincent Sama is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. Before joining Edward Jones in 2021, he worked at Jackson National Life Distributors and Pacific Life. He also serves as an instructor for a financial workshop with the Huntington Union Free School District. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm provides a range of advisory strategies, including wrap fee programs and separately managed accounts, supported by a large network of financial advisors and branch offices across the United States.

John Froberg is a CFP® with nine years of industry experience, currently serving as a financial advisor at Osaic Wealth. His prior roles include positions at SagePoint Financial, Hightower Advisors, and Lincoln Financial Advisors. Outside of his advisory duties, he engages in public speaking through a sole proprietorship focused on creating and delivering presentations. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a multi-advisor platform integrating discretionary and third-party strategies.

Russell Noletto is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior roles include positions at G.distributors, LLC, Raymond James Financial Services, Inc., and Regions Bank, among others. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Dinehart is a Series 66-registered financial advisor with Equitable Advisors, based in Melville, NY, and has 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he acts as trustee for an irrevocable trust established for his parents. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of third-party asset managers and advisory programs and provides ERISA fiduciary services to qualified plans through credentialed representatives.

Michael Galardi is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at UBS Financial Services, Northwell Health, and Leviton Manufacturing Co. Outside of finance, he officiates Little League baseball games in Nassau and Suffolk counties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios.

Karen Manley is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2011, including a brief tenure at BofA Securities in 2019. 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.

Joseph Clinard Jr. is a financial advisor at Cetera with 56 years of industry experience. He holds the Series 63 and Series 65 designations. His work history includes long-term roles at North Shore Capital Management Corp. and North Ridge Securities Corp., and he also serves as an advisor for North Ridge Wealth Planning LLC. Cetera Investment Advisers LLC is an SEC-registered firm that provides a broad range of services to individuals, retirement plans, corporate and charitable clients, and institutions. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Thomas Dougherty is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously with VOYA Financial Advisors for seven years. Dougherty is an owner of Blue Chip Financial and serves on the boards of the Ancient Order of Hibernian, The Spirt of Huntington Art Center, and the LIEG business networking group. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management.

Christofer Ferrugiari is a financial advisor with OSAIC in Melville, NY, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at Sii Jhfn for nine years before joining OSAIC in 2018. Outside of his advisory role, he works as an insurance broker specializing in life, annuities, long-term care, and disability insurance. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization using risk-tolerance assessments and rebalancing tools, supported by a complex affiliate network and private-equity ownership.