Michael Ciccarelli is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. and Wells Fargo Advisors. Ciccarelli has an interest in real estate ownership outside of his advisory role. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities and employs a centralized team to deliver data-driven, non-discretionary retirement income recommendations.

Brendan Whelan is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Teachers Federal Credit Union and various realty firms. Outside of advising, he has experience working in real estate through All the Best Realty Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individual and high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and financial planning services.

John Sepe is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC prior to his current role. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce.

Philip Caporusso is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at American Portfolios Financial Services, Inc. for 21 years, as well as Rossiter & Ganderman Inc and Rossiter Financial Group since 1987. He is co-owner and co-president of Ferrera, DeStefano & Caporusso, CPA, a role he has held since 1990. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charities through a large network of advisers. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, employing asset allocation tools, risk tolerance questionnaires, and automated rebalancing to build diversified portfolios.

Douglas Bauer is a financial advisor with Equitable Advisors, holding a Series 66 designation and 17 years of industry experience. He has worked at Equitable Advisors and AXA Advisors, LLC for over a decade and has a background as a CPA and attorney. Outside of advising, Bauer is involved in several business ventures, including serving as CFO and in-house counsel for Toll Booth Maintenance Services, Inc., and acting as a real estate broker. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves tailoring client solutions through a network of Investment Adviser Representatives using both proprietary and third-party asset management programs.

Durga Varshney is a financial advisor at LPL Enterprise with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Pruco Securities, LLC and Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs.

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 the Series 63 designation and previously worked for Stifel Nicolaus & Co Inc for 15 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services in various capacities from 2007 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by technological tools for operational and research purposes.

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 advisor with LPL Enterprise, holding the Series 66 designation and one year of industry experience. His prior work includes over 30 years at Testa Brothers Ltd. and ongoing involvement with Cotgreave Insurance Agency, where he is active in property and casualty insurance. LPL Enterprise serves a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities, offering model-driven investment advisory and brokerage services through a large network of investment adviser representatives.

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.