Philip Settembrino is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Cadaret, Grant & Co., Inc. for 24 years before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of financial activities.

Richard Nappi Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory program.

Raymond Chera is a financial advisor with Wells Fargo Advisors and holds Series 63 and Series 66 licenses. He has 15 years of industry experience, including prior roles at Capital One Sharebuilder and Woodbury Financial Services. Outside of his advisory work, he serves as president of Elite Wealth Managers LLC, providing investment advice and financial planning. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and fee-based financial planning services. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with clients choosing how to implement them through various firm programs.

Sunilda Vasquez is a financial advisor at Fidelity with 14 years of industry experience. She holds the Series 63 and Series 66 credentials. Her prior experience includes roles at Bank of America, Merrill, JP Morgan Chase, and JP Morgan Securities. Outside of her advisory work, she is the sole proprietor of two online retail businesses, Ladies Armour and Pro Chutes LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, utilizing model portfolios across mutual funds, ETFs, and ETPs.

Peter Swansen Jr. is a financial advisor at Cetera with 23 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Equity Services Inc., National Life Group, MML Investors Services, and Mass Mutual Life Insurance Company. He is also a partner at Corporate Plans Retirement Strategies, LLC, where he oversees staff and provides ongoing client service and employee benefit reviews. Cetera Investment Advisers LLC serves a nationwide network of independent advisors and clients ranging from individuals to institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with over $256 billion in assets under management.

Searsann Hidalgo is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2017. Prior to her financial services career, she spent nine years in the pharmaceutical industry at Boehringer Ingelheim Pharmaceuticals and two years at Taro Pharmaceutical. Hidalgo also owns Envi$ionaire$ Bookeeping & Tax Solutions, a tax preparation and accounting services business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and partners with third-party asset managers and BNY Mellon Advisors for portfolio implementation.

Peter Ju is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016, and previously spent three years with Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model portfolios and incorporates ESG considerations.

Gabriel Vieira is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. Prior to joining LPL, he has held roles at The Home Depot, Hudson Valley Credit Union, Eddie Bauer, Amazon, and has owned Do Dragao Gaming since 2020. He is also a notary public in New York. 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 financial planning and asset management through a broad network of investment adviser representatives, utilizing a range of investment strategies and technology tools.

Thomas Murray is a financial advisor with Mass Mutual Investors Services in Armonk, NY, holding Series 63 and Series 65 licenses and 14 years of industry experience. His career includes roles at MML Investors Services, MassMutual Life Insurance Company, OSAIC, FSC Securities Corporation, Guardian, Park Ave Securities, and Pdq Security. He also conducts outside insurance sales as a broker specializing in life insurance, long-term care, and fixed annuities. MML 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 and asset management through collaborative, annual engagements that utilize firm-approved software and provide written recommendations without investment discretion.

Gregory Mirecki is a financial advisor at Osaic with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at FSC Securities Corp and SII Investments, Inc. Outside of his advisory role, he operates a sole proprietorship as an insurance agent soliciting fixed annuities and provides financial advising through Ferrigno Financial. Osaic Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by various tools and multiple program options across affiliated broker-dealer and RIA platforms.

David Jacas is a financial advisor with Cetera who holds the Series 63 designation and has 31 years of industry experience. He has worked at Cetera since 2005, including with its current entity since 2021. Outside of his advisory role, he manages accounting and tax preparation services through J&J Tax Consultants and serves as a board member for a condominium association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services with a multi-manager platform that supports discretionary and non-discretionary account management across multiple program structures.

Judin Pierre Louis is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, he focuses on building strong financial plans tailored to the goals of his clients and their families, utilizing the resources and wealth planning services available at Fidelity. He has held several positions in the financial advisory field, including Financial Consultant at E*TRADE from Morgan Stanley (2019-2023), Financial Advisor at Citi Gold Personal Wealth Management (2015-2019), Vice President Financial Advisor at Capital One Investing (2014-2015), Relationship Banker at JPMorgan Chase (2013-2014), and Financial Advisor Associate at Morgan Stanley (2012-2013). This experience has provided him with a diverse background in wealth management and client relationship development. Outside of his professional work, Judin Pierre Louis engages in activities such as family activities, fitness, football, social events with friends, golf, and parenthood.

Bharatkumar Jani is a financial advisor at Cetera with 30 years of industry experience. He holds the Series 63 designation and has worked at Avantax and Cetera-related entities since 2010. Outside of his advisory role, he serves as a Hindu priest and teaches driver safety courses. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to third-party money managers and various program structures.

Christopher Kelly is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and Chase Bank since 2016. Kelly was also involved with Focus Artists from 2015 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and the use of both quantitative and qualitative research methods.

Joe Ann Vacca is a financial advisor at Fidelity with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2011, including roles at Fidelity Personal and Workplace Advisors and Strategic Advisers LLC. Prior to joining Fidelity, she was employed at Credit Suisse Securities and Lehman Brothers. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable and registered investment company accounts. The firm utilizes a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Steven Kleiner is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds the Series 66 designation and has worked with firms including UBS Financial Services and Unified Financial Securities before joining J.P. Morgan in 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities.

Mark Graham is a Series 63-licensed financial advisor with 17 years of industry experience, currently affiliated with Primerica Advisors. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2004. Outside of his advisory role, he has been involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Audrey Flamio is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including HSBC Securities (USA) Inc. and Equitable Advisors, before joining OSAIC in 2013. Outside of advisory work, she is an agent for Senior Services North America, selling Medicare-related insurance plans. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and private-equity ownership.

James Sbarra is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. Prior to that, he worked at LPL Financial and Invest Financial Corporation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG eligibility where applicable, and leverages extensive derivatives and commodities capabilities.

Bradley Silverman is a financial advisor with Raymond James Financial, holding a Series 66 credential and over 23 years of industry experience. He co-owns C & B Wealth Management and is associated with The Silverman Group, a marketing entity under which he works as a financial advisor. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients. The firm provides tailored financial planning and investment consulting, employing analytical tools and non-discretionary strategies to guide client decisions.