Kristoffer Carseni is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at Morgan Stanley, Bank of America, and Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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 a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Peter Ruvolo Jr. is a financial advisor at Osaic Wealth, Inc. with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Osaic since 2006. He also has a longstanding affiliation with Sanders Smith Ltd dating back to 1994 and serves as president of Qualified Plan Solutions. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management with access to multiple investment platforms.

Jimmy Hernandez is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, JPMorgan Chase, and Edward Jones. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.

Brittney Secreto is a financial advisor with Cetera, holding a Series 63 license and 16 years of industry experience. She has worked with Cetera and its affiliates since 2019 and previously served at Foresters Financial Advisory Services LLC from 2010 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Brendan Mc Dermott is a financial advisor with Morgan Stanley, holding a Series 66 designation and beginning his industry experience in 2025. His background includes roles at Archstone Financial and TJX, as well as work related to Fairfield University and Brio 33. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Jodi Lemp is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and 11 years of industry experience. She has worked at J.P. Morgan Securities since 2015 and has been employed by JPMorgan Chase Bank, N.A. since 2010. In addition to her advisory role, she has been involved with the Culinart Group at Trinity Pawling School for over a decade. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence in their investment approach. The firm applies an ESG eligibility framework and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Ronald Casanova is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 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 IPS-driven approach is grounded in modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

William Pressman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience serving the complex financial needs of affluent individuals and their families. William joined Merrill Lynch in 2014 after a career at another leading wealth management firm. Before entering financial services, he owned and operated a marketing agency focused on the retail sector. William specializes in areas including college education planning, liquidity management, managing new wealth, philanthropic planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds the Professional Investment Advisor (PIA) designation and earned his bachelor's degree from The Ohio State University. Based in Manhattan and Harvey Cedars, New Jersey, William is originally from Queens, New York. He and his wife support the Indiana University Foundation and are involved with the Beth Haverim Shir Sholom community. Outside of work, William enjoys cooking, music, spending time with his family, traveling, and watching movies.

Anne Bensel is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following a 12-year tenure at CitiGroup Global Markets Inc. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery conversations and proprietary tools, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Rowan Beaudoin Friede is a financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation. He has two years of industry experience and has worked with Cambridge and Riverside Financial Group. Outside of finance, he has experience in the restaurant industry, including a role at Al di la trattoria and ongoing involvement with Waterhouse Restaurant. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm offers a range of investment solutions, including proprietary and third-party strategies, with an emphasis on tailored client approaches and institutional resources.

Ronnie Spears is a financial advisor at Merrill with eight years of industry experience. He has held positions at Aspire Advisors, LLC and Amalgamated Life Insurance Company prior to joining Merrill in 2019. He holds the Series 63 and Series 65 designations. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s broader platform, providing access to various products and services beyond typical managed accounts.

Heather Brower is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations across various vehicles, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes discretionary options, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Michael Derosa is a financial advisor at Cetera with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and Foresters Financial Services. Additionally, he operates THE FENNELL GROUP and FENNELL FINANCIAL SOLUTIONS as dba entities for Cetera and serves as a notary. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Mark Lindberg Sr. is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 designation and has previously worked at Avantax Advisory Services and Avantax Insurance Agency for several decades. In addition to his advisory role, he owns and operates a tax preparation and accounting business. Cetera is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management, financial planning, and consulting services through a multi-manager platform.

Joseph Chiusano is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 66 and Series 63 licenses and has prior work experience in the United States Army Reserves and the restaurant industry. He continues to serve in the Army Reserves alongside his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ajet Metaliaj is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at institutions including Webster Bank, Key Investment Services LLC, Citi, and KeyBank. 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 various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Debra Walker is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. 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 and financial planning services that utilize structured discovery processes and advanced modeling tools.

George Weingartner is a financial advisor with LPL Financial in Rye Brook, NY. He holds Series 63 and Series 65 designations and has 41 years of industry experience. Prior to joining LPL Financial in 2018, he worked at INVEST Financial Corp. for 18 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.