Judy Lullo is a CFP® professional with 34 years of industry experience, currently with Cambridge Investment Research Advisors since 2019. Her prior experience includes roles at FSC Securities Corporation and operating her own firm, Lullo & Associates, LLC. In addition to her advisory work, she also serves as an independent insurance agent and notary. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory, delivered through a network of independent Financial Professionals using multiple custody platforms and a mix of proprietary and third-party investment strategies.

Richard Lullo II is a CFP® professional with 10 years of industry experience, currently affiliated with Cambridge Investment Research Advisors in Houston, TX. His prior roles include positions at Fidelity Investments and FSC Securities Corp. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base ranging from individual investors to institutional entities. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing a variety of investment platforms and strategies tailored to client objectives.