Andrew Miller is a financial advisor at Cetera with 17 years of industry experience and holds a Series 63 designation. He has extensive experience in pension actuarial consulting and insurance sales, holding senior analyst and vice president roles at multiple firms since 2007. Outside of his advisory role, Miller is involved in insurance wholesaling, focusing on variable life insurance sales and management. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of investment programs and discretionary authorities, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Nicholas Luisi is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He manages the financial affairs of a select group of families, many of whom have multigenerational wealth, as well as entrepreneurs including self-employed small business owners, equity partners, and corporate leaders. Nicholas specializes in pre- and post-liquidity planning, developing integrated strategies that address tax, estate, investment, and risk management considerations, often coordinating with attorneys, CPAs, and investment bankers to ensure a comprehensive approach. Nicholas holds a Bachelor's Degree from The College of New Jersey, graduating cum laude, and is a CERTIFIED FINANCIAL PLANNER® (CFP) as well as a Certified Plan Fiduciary Advisor (CPFA). He has been recognized by Forbes as one of America's Top Next-Generation Wealth Advisors and holds several professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He resides in Allendale, New Jersey with his wife and children, and his personal interests include cooking, hiking, spending time with family, and watching movies.

Ronald Pompei Jr. is a CFP®-credentialed advisor at LPL Financial with 40 years of industry experience. He previously spent 22 years at Crown Capital Securities before joining LPL Financial in 2024. Outside of his advisory role, he works as a tax preparer and is also active as a musician. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, retirement consulting, and access to model portfolios and third-party research.

Michael Luftman is a financial advisor at Mass Mutual Investors Services with 28 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Mass Mutual Investors Services in 2017, he worked at Metlife Securities Inc. for 16 years. Outside of his advisory role, he owns a small business entity registered as Luftco, Inc. and works as an insurance broker specializing in individual life, health, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC 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, and educational seminars, using firm-approved tools to develop written recommendations tailored to client goals.

Ashleigh Barr is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 63 designation and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm uses proprietary capital market assumptions and model-based asset allocations to tailor financial plans and portfolio management aligned with clients’ goals and risk tolerances, while combining institutional trading capabilities with wealth management offerings.

John Guarnieri is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, leveraging his expertise to assist with investment strategies and wealth management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to personalized investment guidance. Mr. Guarnieri earned a Bachelor's Degree from Iona College.

Scott Bancroft is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

James Pryor Jr. is a financial advisor with Raymond James & Associates in Locust Valley, NY. He holds a Series 66 designation and has six years of industry experience. His prior roles include positions at UBS Financial Services, Palumbo Wealth Management, and PricewaterhouseCoopers LLP. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering tailored financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Leonard Sander is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He previously worked at National Planning Corporation for 19 years before joining LPL Financial in 2017. Outside of his advisor role, he is involved with The Creative Planners Group, LTD, which provides tax and accounting services as well as fixed insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Cesarina Burgos is a financial advisor with J.P. Morgan Securities in Scarsdale, NY, holding Series 63 and Series 66 designations and seven years of industry experience. Her career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as Wells Fargo Bank and Wells Fargo Clearing. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrew Rose is a CFP®-credentialed financial advisor with Morgan Stanley, based in Purchase, NY, and has 31 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009, holding roles within both entities. Outside of his advisory duties, he is involved in a trust-related business activity in Ridgefield, CT. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

David Balkcom is a CFA® charterholder with four years of industry experience, currently serving at Mass Mutual Investors Services in Elmsford, NY. He previously worked with Equity Services, Inc. and National Life Group within the WealthBridge Financial Group, as well as New York Life Insurance Company. Prior to his financial services career, he was involved in dental practice administration. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and collaborative planning methods, offering various specialized planning programs including recent expansions in divorce and estate-settlement services.

Sheila Littleton is a financial advisor with Cetera, holding a Series 63 designation and 22 years of industry experience. She has been affiliated with Cetera and its related entities since 2005 and has owned Littleton Financial since 2019. In addition to investment advisory, she sells health and fixed insurance products through various carriers. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Theresa Ferri is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 33 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs. The firm’s financial planning process involves structured discovery and proprietary tools, offering tailored plans without individual security recommendations as part of standalone services.

Gabriel Carvalho is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Outside of his advisory role, he works as an independent contractor for Cadena Consulting LLC, providing business consulting services unrelated to his work at J.P. Morgan. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Angel Herrera is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Compass and was involved with the Young Mens & Young Womens Hebrew Association. He has a background that includes roles in community organizations and education. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Peter Seroczynski is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and previously worked at CitiGroup Global Markets, Inc. and CitiBank, N.A. from 2011 to 2022 before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2022. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

David Ramirez serves as a Wealth Management Advisor at Merrill Lynch Wealth Management with Ramirez Wealth Management in Paramus, New Jersey. He joined Merrill Lynch in February 2011 and brings over three decades of experience in the financial services industry, having previously held investment leadership roles at UBS Financial Services, Paine Webber, Kidder Peabody, and Ramirez & Co. Throughout his career, David has focused on delivering wealth management strategies tailored to the needs of High Net Worth and Ultra-High Net Worth clients, emphasizing fixed income and asset management. David's expertise encompasses college education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, investment strategy for individuals and corporations, tax minimization, and retirement income planning. He applies a client-centered philosophy that incorporates initial and ongoing reviews to develop investment plans addressing specific asset and liability needs and aligning with long-term goals. He holds a Bachelor of Finance degree from Boston College's Carroll School of Management and has professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). David is a member of The Municipal Bond Club of New York. Outside of work, he enjoys boating, spending time with his family, and traveling.

Theodore Gelb is a financial advisor at Morgan Stanley with three years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank from 2022 to 2024 and attended Syracuse University from 2018 to 2022. He holds the Series 66 and Series 63 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Matthew Hesse is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Madison Planning Group, Bourbon Street, Northwestern Mutual, and Body Armor. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.