Yi Qin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 designations and bringing 17 years of industry experience. Yi has worked at Mass Mutual Investors Services since 2017 and previously spent eight years with Metlife Securities. Outside of advising, Yi is involved in health and property/casualty insurance sales and operates as an independent insurance agent. MassMutual Investors Services 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, providing collaborative, goal-based planning without investment discretion.

Michael Tillberg is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes twelve years at Scottrade, Inc. and brief roles at Wells Fargo Bank and Wells Fargo Clearing. Merrill, along 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 investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Steven Mahler is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and Intervest International Equities Corp. Outside of his advisory role, he serves as president and vice president on the boards of two nonprofit organizations based in Mackenbach, Germany. 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, utilizing model portfolios and research from multiple sources.

Kevin O’Brien is a financial advisor with Cetera, holding a Series 66 credential and 23 years of industry experience. He has previously worked at Park Ave Securities and Guardian and currently operates The O’Brien Group, a financial services business. He is also active as an insurance agent selling life, health, disability, and annuity products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary authorities, supported by over 10,000 advisors and approximately $256 billion in assets under management.

Matthew Glass is a Series 66-credentialed financial advisor with 14 years of industry experience. He currently works at LPL Enterprise, LLC and has prior experience at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, Allstate, and the Children's Dental Center of Monmouth. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutional clients. The firm provides financial planning, advisory, and brokerage services supported by an integrated platform combining adviser programs, model portfolios, and access to third-party asset management.

Charles Faig is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked with 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 plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broader set of financial products than many large institutional advisers.

Harold Cho is a Senior Financial Advisor based in the Short Hills, NJ Merrill Complex. He joined Merrill Lynch Wealth Management in 2014 and works closely with clients to design, implement, and manage financial strategies tailored to their specific objectives. Harold focuses on helping clients with wealth creation, preservation, and the transfer of assets by providing the necessary education and information for informed decision-making. Harold began his career at Lehman Brothers and Morgan Stanley before joining Merrill Lynch. He holds a Bachelor of Science degree in Finance from the University of Connecticut and maintains FINRA Series 3, 7, 9, 63, and 65 registrations. Additionally, he holds the Personal Investment Advisor (PIA) designation. Outside of his professional life, Harold enjoys sports such as tennis, soccer, and golf. He also spends time cooking, exploring new hot sauces, and being with his family.

Joshua Leski is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 63 licenses and two years of industry experience. His prior work history includes roles at Equitable Advisors, Fiddlers Elbow Country Club, and Trump National Golf Course. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented planning engagements supported by firm-approved analytical tools and offers various specialized planning programs.

Guido Mejia Aguaiza is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Bank, NA beginning in 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering tailored investment advice and discretionary plan-level investment selection options, including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Maryann Romano is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She holds the Series 63, Series 65, and Series 66 designations and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2007. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Madhavi Gibbs is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2006 as well as Bank of America, N.A. since 2015. 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 investment strategies for individuals, high‑net‑worth clients, pension and profit‑sharing plans, corporations, and charitable organizations.

Dawn Cammarano is a financial advisor at Raymond James Financial with eight years of industry experience. She holds the Series 66 designation and has been with Raymond James Financial Services Advisors Inc. since 2017. Outside of her advisory role, she has worked in support capacities at two businesses since 2009 and 2015, primarily handling administrative tasks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and organizational clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers several specialized advisory programs, including municipal and retirement plan consulting.

Ronald Bohrer is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 51 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and corporate financial planning agreements.

Alan Tangreti is a CFP® professional affiliated with Morgan Stanley, with 42 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and methodologies such as Monte Carlo simulations to model outcomes, managing approximately $2.74 trillion in client assets.

Frederick Turner is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Wells Fargo entities since 2009. Outside of his advisory role, he is a co-owner of Turner GP, LLC, a merchant partnership based in Chester, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services that include cash-flow, retirement, education, risk, and wealth-transfer planning. The firm uses Wells Fargo’s research and planning tools to develop customized recommendations, providing a broad range of specialized services to clients meeting a net-worth threshold.

Azis Fejzullaj is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation as well as Series 65 and Series 63 licenses. His prior experience includes positions at Deutsche Bank Securities Inc. and Fidelity Investments. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Marsha Stevens is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked for Morgan Stanley from 2014 to 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and utilizes proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

David Larkin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads The Larkin Group, focusing on wealth and investment planning for High Net Worth Individuals and Business Owners. His client services include Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Special Needs Planning Strategies, and Retirement Income. David holds a Bachelor's Degree from the University of Richmond and has earned several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach emphasizes connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. He resides in Basking Ridge, New Jersey with his wife Kathryn and their two daughters. David is active in community organizations such as Friends of the Bernardsville Library and enjoys outdoor activities including basketball, golfing, hiking, music, skiing, and spending time with his family.

David Fernandez is a financial advisor at MassMutual Investors Services with 25 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Charles Schwab. Outside of his advisory role, he serves as the treasurer of a condominium association and works as an insurance broker specializing in life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers specialized event-driven planning services.

Jason Perez is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding CFP®, Series 63, and Series 65 designations. He has 24 years of industry experience, including roles within multiple Wells Fargo entities since 2009. Outside of his advisory work, he serves as treasurer for the Springfield Basketball Association and owns J Perez Group, LLC and J Perez Tax Group, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and utilizing Wells Fargo research and tools to tailor recommendations.