John Zupka III is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has previously worked at American Portfolios Financial Services Inc. and Cetera Advisors. Zupka is also the secretary of James' Journey, a nonprofit focused on mental health awareness and suicide prevention. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment solutions, using asset-allocation tools and risk assessment to manage portfolios across multiple platforms.

Paul Pedretti is a CFP® with 34 years of industry experience. He currently works at Ameriprise Financial Services, LLC and has previously held roles at Flagstar Advisors, Signature Securities Group, and HSBC Bank USA. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Anthony Zambri is a financial advisor at LPL Financial with 37 years of industry experience. He holds the CFP® and ChFC® designations and previously worked at Ameriprise Financial Services, Inc. for nine years. Outside of his advisory role, he is a managing partner at Zambri Enterprises, a business entity involved in real estate ownership. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports its advisors with proprietary research and technology tools.

Colleen Clancy Cucuzzo is a financial advisor at Morgan Stanley with 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds the Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools designed to model investment outcomes.

Russell Lusterman is a financial advisor at Cetera with 26 years of industry experience. He holds a Series 63 designation and has worked at Cetera since 2004. In addition to his advisory role, he owns and operates two CPA firms providing accounting, tax preparation, and bookkeeping services, and he is also a notary. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated managers.

Brian Tveter is a financial advisor with Charles Schwab in Garden City, NY, holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. He has been with Charles Schwab since 2000 and with Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, multi-asset model portfolios, and a formal alternative investment onboarding process.

Melody Graham is a CFP® professional with 32 years of experience in financial advising. She has been with Ameriprise and its affiliated entities since 2005 and currently operates out of Melville, NY. Ameriprise Financial Services is a large diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice rooted in investment research and tax-aware strategies.

Seamus Mitchell is a financial advisor at Morgan Stanley with 20 years of industry experience. He previously worked at LPL Financial from 2004 to 2025 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. He holds the Series 63 designation. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

James Filonuk is a financial advisor at Ameriprise with 25 years of industry experience. He holds the Series 63 designation and has previously worked at Cetera and Glatman & Filonuk Wealth Management. Outside of his advisory role, he is involved in accounting and tax preparation through his ownership and treasurer position at Glatman & Filonuk CPAs PC. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Michael Stiuso is a financial advisor at Stifel with 41 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Credit Agricole Securities (USA) Inc. for nine years before joining Stifel in 2023. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, which use forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Jake Rockower is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has two years of industry experience. His prior work includes roles at Morgan Stanley and The First National Bank of Long Island. Outside of his advisory work, he is also employed in tax and accounting services and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, employing a multi-manager platform that includes affiliated and third-party model portfolios.

Alisson Nieto Reyes is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Reyes worked at Bank of America and Citibank. Reyes attended Baruch College from 2021 to 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jake Spano is a financial advisor at LPL Financial with Series 66 registration and one year of industry experience. Prior to joining LPL Financial, he worked at Wykagyl Country Club for seven years and held roles at Hommocks Park Ice Rink, Mamaroneck High School, and Hommocks Middle School. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered primarily through investment adviser representatives using a range of investment strategies.

Ahmed Khan is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at CitiGroup, Invest Financial Corporation, Essex National Securities, J.P. Morgan Securities, and Chase Investment Services. Outside of Morgan Stanley, he serves as a board member of Valence College Prep and participates as a member of FINRA’s CE Content Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs for individuals and institutions, focusing on tailored financial planning and a structured planning process supported by firm-approved tools.

Naftoli Horowitz is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked previously at J.P. Morgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he serves as director of BINA, a stroke and brain injury assistance organization, and is a writer for Artscroll Mesorah Publications. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s analyses.

Christopher Carella is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation. His prior work history includes roles at Provision Diagnostics, UPS, and a period of unemployment before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Benjamin Lee is a Series 66 licensed advisor with LPL Enterprise, LLC, based in Melville, NY. He has one year of industry experience and previously worked in accounting and various service roles. Benjamin’s background includes work at Youngsun Kang CPA PC and operational roles in the food service industry. LPL Enterprise, LLC serves individual and high-net-worth clients, retirement plans, banks, and charitable entities, offering financial planning, advisory services, and access to third-party asset managers. The firm’s investment approach is largely model-driven, utilizing portfolios developed internally and by external strategists.

Brett Liberman is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2019, advancing to his current role in 2022. Prior to joining Fidelity, he held the position of Vice President, Private Client Advisor at J.P. Morgan from 2018 to 2019, and worked as an Investment Executive at National Securities between 2014 and 2018. His professional experience encompasses wealth planning and investment consulting, focusing on helping clients achieve their financial goals through personalized guidance and utilizing a range of investment options. Brett is dedicated to leveraging Fidelity's resources to support clients' visions of financial success. Outside of his professional role, Brett enjoys a variety of personal interests including beach activities, family time, fishing, skiing, traveling, and spending time with pets.

Richard Brown is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an executor for an estate in Washington, D.C. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm employs structured planning tools and offers both direct client services and corporate financial planning agreements, managing approximately $2.74 trillion in client assets.

Rachel Heege Abode is a financial advisor at Cetera with 22 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at B. Riley Wealth Advisors, National Securities Corporation, and Gilman & Ciocia. Outside of her advisory role, she is also licensed as an insurance agent specializing in life, disability, annuities, and long-term care products. 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 portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and custodial arrangements.