Daniel O'Sullivan is a financial advisor at MassMutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Barnum Financial Group and Compass Group. 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, using firm-approved software to develop written recommendations in collaborative client relationships.

Melanie Winkle is a Series 66-registered financial advisor at Wells Fargo Clearing with four years of industry experience. She previously worked at Barings and TIAA before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

David Morrison is a Series 66-licensed financial advisor with 24 years of industry experience. He has worked at Merrill from 2015 to 2021 before joining UBS Financial Services Inc. in 2021. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Max Tominovich is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fiserv and Ramapo College of New Jersey. He serves as a corporal and section leader in the United States Marine Corps Reserve, where he is responsible for training and managing his mortar section. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved software to develop collaborative financial plans and offers specialized programs such as Divorce Planning and estate-settlement services.

Khush Batth is an Investment Consultant at Fidelity Investments, a role held since 2025. Prior to this, Khush worked as a Financial Planner at Prudential from 2024 to 2025. In these roles, Khush focuses on financial planning that centers around a comprehensive understanding of clients' personal and financial priorities to co-create tailored investment plans. Khush emphasizes a framework for success in financial planning, aiming to align investment strategies with clients' goals and values. Outside of the professional sphere, Khush has interests that include beach activities, biking, fitness, hiking, motorcycles, and soccer.

Jeffrey Smith is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018. His prior experience includes roles at Invest Financial Corporation and Affinity Federal Credit Union. 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 a range of financial planning, asset management, and retirement advice services, utilizing both proprietary model portfolios and third-party strategies across a variety of investment approaches.

Eric Birnbaum is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. In this role, he leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations. Eric emphasizes educating clients by simplifying complex financial concepts, aiming to build strong relationships based on confidence and trust that provide clients with peace of mind and fulfillment. Eric has extensive experience in the financial services industry, with a career spanning over two decades. Prior to his current role, he served as Assistant Branch Manager and Branch Service Manager at Fidelity Investments, and held various positions at New England Securities, including Operations Manager and Managing Associate. He began his career as a Financial Representative at First Investors. Outside of his professional work, Eric enjoys comedy, family activities, spending time at the lake, music, outdoor adventures, and parenthood.

Erica Metz is a CFP®-credentialed financial advisor with eight years of industry experience, currently practicing at Raymond James Financial Services Advisors, Inc. She previously worked at Boston Private and is the owner of Money At Work LLC, where she dedicates significant time meeting with clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.

Alec Hardy is a CFP® and ChFC® with 10 years of experience in the financial services industry, currently serving at Mass Mutual Investors Services since 2017. Prior to this, he worked at MSI Financial Services and MassMutual Life Insurance Company. He is also an independent insurance agent specializing in fixed insurance products, including life, disability, long-term care, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-focused financial planning engagements supported by firm-approved analytical tools and a variety of investment and insurance implementation options.

Justin Bowers is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 22 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2022. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Shawn Tighe is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial, having joined in 2023, and previously worked at Raymond James and Associates and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, utilizing both proprietary and third-party model portfolios, with a platform notable for its scale and diverse financial services alongside its advisory offerings.

Walter Menendez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Charles Schwab since 2008 and had a brief tenure at Merrill earlier that year. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

Richard Armitt is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior work includes positions at Merck and Johnson & Johnson. Additionally, he is involved in sales of home security and automation products, as well as loan product referrals through affiliates of Primerica. Primerica Advisors is a large-scale firm serving individual investors, corporate, and charitable clients through a wrap-fee asset management program that uses primarily model-delivery strategies managed by unaffiliated asset managers.

Debra Downs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has a longstanding career that includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, she is involved in quoting, selling, and servicing property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and a range of insurance and trust services.

Veranika Khamianok is a Financial Services Advisor (FSA) with Merrill Lynch Wealth Management. She specializes in developing personalized financial plans that align with clients' unique goals, including education funding, retirement planning, and long-term family objectives. Veranika emphasizes a client-centered approach that prioritizes individual perspectives and priorities, aiming to simplify the complexities of investing and wealth management. Veranika holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. She earned a Bachelor's degree from Yerevan State Institute of Economics and a Master's degree from Brandeis University.

Robert Difabritis is a financial advisor at Cetera with 40 years of industry experience. He has held roles at Avantax Advisory Services and Avantax Insurance Agency over multiple decades and has operated his own firm, Robert DiFabratis & Co, since 1991. Outside of his advisory work, he is involved in tax preparation and financial statement preparation through his other business activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including 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 third-party money managers across various program structures.

Francy Ruiz is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2006. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, and institutional accounts.

Brian Mckevitt is a financial advisor with LPL Enterprise, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior firms include Aegis Capital Corp., Gunnallen Financial, Inc., and Morgan Stanley Dw Inc. In addition to his advisory work, he is involved in offering Medicare supplement insurance and prescription drug plans through related business activities. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm emphasizes model-driven investment implementation using portfolios developed internally and by third parties, along with financial planning and access to third-party asset managers.

Adam Kay is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Pruco Securities, The Prudential Insurance Company of America, Ameriprise, and Equitable Advisors. Outside of his advisory role, Kay is a member of the United States Coast Guard Auxiliary. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Frank Leloia is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been helping clients since 2007. With over 30 years of experience as a registered representative and financial advisor, he focuses on providing personalized wealth management strategies tailored to each client's goals and risk tolerance. Frank specializes in areas such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Frank holds a Bachelor's Degree from the Pennsylvania State University System and carries the Personal Investment Advisor (PIA) designation. He works closely with clients' other professional advisors to provide comprehensive tax strategies and to assist in the development of estate plans. His approach emphasizes building lasting relationships based on trust, transparency, and exceptional service. Residing in Long Valley, New Jersey for the past 24 years with his wife Beth and their two children, Nick and Jack, Frank is committed to participating in the communities he serves. He dedicates time to volunteering with local organizations and enjoys personal interests including baseball, basketball, billiards, football, golfing, reading, spending time with family, and traveling.