Yvette Lamchek Emnas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. 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 management options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Ronit Badlani is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has previously worked at Equitable Financial Life Insurance and Equitable Advisors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Vincent Di Geronimo is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previously worked at MML Investors Services, MassMutual Life Insurance Co, and has been involved in various athletic organizations. He serves on the fundraising committee for the Somerset Children’s Center and is an executive board member of the Somerset County Bar Association Foundation. 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 consulting services supported by research and model portfolios.

Craig Haber is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been affiliated with Cetera since 2017 and also operates Catarina Catarina, an internet sales business. Additionally, he serves as a business advisor for Audition Technology, a medical device company. Cetera Investment Advisers LLC is a large nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering portfolio management, financial planning, and access to third-party managers.

Carlton Johnson is a financial advisor with LPL Financial, holding a Series 63 designation and over 30 years of industry experience. He has been with LPL Financial since 2004. In addition to his advisory work, he is a notary and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Peter Bruno is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as president of a homeowners association and acts as trustee and power of attorney for family trusts and related entities. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services supported by proprietary research and tools, allowing clients to implement recommendations through various brokerage or advisory options.

Charbel Ojeil is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. His prior roles include positions at Voya Financial Advisors and Liberty Tax Service. Ojeil is involved in his community as a council member and volunteer at St Shorbel Church and owns a tax preparation business. 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 various portfolio management and financial planning services through a nationwide network of advisors and provides access to both affiliated and third-party investment managers.

Michael Vesuvio is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and possessing 40 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 1998. Outside of his advisory role, he is involved in insurance sales through his ownership of Emerald Group, focusing on life and health products, and he consults on viatical settlements. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational programs, structuring client engagements as annual, collaborative processes that emphasize goal analysis and recommended investment strategies without discretionary authority.

Addo Kuhlmann is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2004. 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.

Bradley Hargrave is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. Prior to that, he was with PGIM Investments, Prudential Investment Management Services, and The Prudential Insurance Company of America from 2012 to 2019. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Ryan Jurist is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 licenses and three years of industry experience. He previously worked at Guggenheim Securities, LLC for two years and has a background that includes four years at Bucknell University and six years in primary education. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients who meet certain net-worth criteria. The firm utilizes proprietary research and planning tools to deliver customized recommendations across various planning areas, integrating these advisory services with multiple financial product offerings.

Danny Santana is a Planning Consultant with experience in financial advisory roles at Bank of America Merrill Lynch. From 2022 to 2024, he served as an Investment Specialist, followed by a position as AVP-National Financial Solutions Advisor from 2024 to 2026. Danny's approach to financial planning emphasizes trust, understanding, and genuine care. He focuses on listening closely to clients, providing thoughtful insight, and supporting them to feel confident in their financial decisions. He recognizes the uniqueness of each client's situation and aims to assist with empathy, clarity, and integrity. In his personal time, Danny enjoys family activities, fitness, hiking, outdoor adventures, soccer, and traveling.

Falguni Sanghavi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 18 years of industry experience. Prior to joining Wells Fargo in 2019, Sanghavi worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of finance, Sanghavi owns INDYZONE, a business selling costume jewelry and ethnic wear on Amazon. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Craig Russ is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. Prior to joining LPL Financial in 2019, he spent eight years at Ameriprise Financial Services, Inc. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Michael Soberman is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2013. He has 14 years of industry experience. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary research and model-based asset allocations tailored to client goals and risk tolerances.

Daniel Kelleher Jr. is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Timothy Delgado is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' financial goals across short-, mid-, and long-term horizons. He collaborates closely with clients to develop personalized wealth management strategies that align with their priorities and the dynamic conditions of today's markets. Timothy offers expertise in areas including general investing, retirement planning, and emergency savings. He also facilitates access to specialists at Bank of America for banking, credit, home financing, and small business solutions. As a Personal Investment Advisor (PIA), he provides ongoing advice and guidance tailored to clients' evolving needs. He holds a Bachelor's Degree from William Paterson University. Timothy’s approach centers on uncovering what matters most to clients and their families to help pursue their financial goals.

Paul Stevens is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 2001 and holds the Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment strategies.

Shiekh Saif Uddin is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2013 after eight years of experience as an entrepreneur and consultant operating across three continents. Saif applies his business acumen and global perspective to deliver personalized wealth management strategies that align with his clients' goals. His expertise includes retirement planning, estate planning coordination, concentrated stock position strategies, cash flow management, risk assessment, and college education planning. Saif focuses on serving affluent individuals, families, and small businesses, providing customized strategies that address both short- and long-term objectives. He also offers services for defined benefit plans, philanthropic planning, socially responsible investing, and tax minimization. Saif holds a Bachelor's Degree in Finance from Bentley University and possesses professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is multilingual in Urdu, Arabic, and English and contributes to his community through volunteer work with various non-profit organizations. His personal interests include cars, commercial aviation, and wildlife.

Urja Shah is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 16 years of industry experience. Prior to joining Wells Fargo in 2026, Shah worked at Citizens Securities, Inc., Cetera Investment Services, Investors Bank, INVEST Financial Corp, Santander Securities LLC, and Sovereign Bank. Outside of advising, Shah is involved as a landlord of a rental property. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wide range of financial products such as insurance-related vehicles and bank deposit sweep options.