Kyle Michalski is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has been with MassMutual and its affiliated entities since 2024 and has prior experience in fitness and wellness-related roles, as well as positions in the food service industry and education. Outside of his advisory work, he has been involved with Funatics Fitness. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning processes to provide written recommendations, with optional implementation services through brokerage or insurance arrangements.

Michael Halliday is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2014 and 2015 respectively. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide array of financial products and services.

Janine Tanker is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services and Lincoln Financial Advisors Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Jeremy Gussick is a CFP®-certified financial advisor with 25 years of industry experience, currently practicing at LPL Financial since 2009. He holds Series 63 and Series 65 licenses and is based in Voorhees, NJ. Outside of his advisory role, he is involved with Toby's Sensitive Ears, a book project unrelated to investment services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and strategies from LPL Research and third-party sources.

Thomas Dimona is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Verizon, AT&T, and Amazon, and he has an academic background that includes time at Bentley University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, often delegating management to sub-advisers while maintaining oversight and addressing conflicts of interest.

Leonard Arabia Jr. is a Private Wealth Advisor at Merrill Private Wealth Management in Boston. He is a member of an industry-recognized Private Wealth team that provides integrated solutions, planning, and balance sheet optimization for successful families, business owners, principals, and entrepreneurs. Leonard's expertise includes family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, small business strategies, and tax minimization. The team focuses on delivering bespoke wealth strategies by navigating the challenges and opportunities of substantial wealth with a long-term and risk-aware approach to preserving and investing assets, emphasizing multigenerational planning. He holds a Bachelor's Degree from Boston College and carries professional designations as a Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA). Leonard is involved with Merrill Private Wealth Management and contributes to the community through Big Brothers Big Sisters of Eastern Massachusetts. Outside of work, he enjoys adventure sports, boating, cooking, skiing, and spending time with his family.

Lloyd Zitomer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

James Hoff is a Wealth Management Advisor and Merrill Resident Director who works with founders, family-led businesses, and entrepreneurs, typically those with $20 million or more in revenue, to navigate their business exit strategies. Leveraging resources from Merrill, Bank of America, and external networks, he provides coordinated planning services including minimizing tax liabilities on sale proceeds, investment banking, deal structuring, buyer sourcing, and advanced estate and trust planning. With experience growing up in a family business, James understands the challenges business owners face when planning their exits. He focuses on helping clients avoid leaving money on the table and preventing unexpected tax bills by advising on personal planning for an actively wealthy life post-exit. His expertise extends to areas such as divorce transition planning, family wealth management, philanthropic planning, portfolio management, small business strategies, and tax minimization. James holds a Bachelor's Degree from the University of Tampa and maintains professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He engages with his community through volunteer work and enjoys personal interests such as baseball, basketball, chess, football, golfing, pickleball, reading, spending time with family, surfing, and traveling.

Bryan Pitman is a financial advisor at Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation with 12 years of industry experience. He has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Marc Pacella is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2025, he worked at Merrill, Bank of America, City National Bank, and RBC Capital Markets. Outside of his advisory role, he is a business owner of MJA Brands. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party research, and various investment strategies.

Susan Bonerbo is a financial advisor with UBS Financial Services in Mt. Laurel, NJ, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor investment plans and combines institutional trading capabilities with wealth management services.

Tyler Sherman is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he worked five years with the New Orleans Saints and Pelicans and held various other roles in different sectors. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting services to a diverse client base, including individuals, pension plans, corporations, and government entities, offering both wrap fee programs and institutional consulting.

Kwun (Kevin) Wong is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities and Cco Investment Services Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven strategies.

Elaine Shelton is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has been with Morgan Stanley since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured discovery processes and firm-approved tools to create tailored plans.

Richard Udine is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Thomas Warner Jr. is a CFP® and ChFC® credentialed financial advisor with 30 years of industry experience. He has been with Ameriprise since 2005, currently serving at their Islamorada, FL office. Outside of his advisory role, he is involved with Angel's Foundation, which provides pro-bono financial planning to cancer patients, and serves on the board of St. Mary of the Lakes Parish. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement, focusing on tax-smart withdrawal strategies and Social Security claiming options. The firm combines algorithmic tools with personalized advice and provides a broad range of advisory, brokerage, and insurance solutions.

Derrick Wilson is a financial advisor at Edelman Financial Engines with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Gusto, Equity Services Inc, National Life Group, and The Vanguard Group. Outside of his advisory role, he is CEO of Selective Financial Solutions LLC, a business involved in insurance and tax preparation. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions focused on diversified portfolios and long-term strategies.

Adam Bracy is a financial advisor with Raymond James & Associates in Mount Laurel, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. Prior to joining Raymond James in 2025, he spent a decade at TD Bank, N.A. and TD Private Client Wealth LLC. He serves as a board member of the Greater Philadelphia YMCA Development Board and is involved with the Golf Association of Philadelphia. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and supports institutional consulting and municipal finance activities.

Patricia Barnes is a financial advisor at Morgan Stanley with seven years of industry experience. She holds the Series 66 designation and has worked previously at Merrill and Evestment. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a 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 its Financial Advisors and Estate Planning Strategies Group.

Robert Ku is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1997 and has extensive experience in portfolio construction as well as trust and estate planning strategies. Robert’s client focus areas include managing new wealth, personal retirement planning, and retirement income. Robert holds several professional designations, including Accredited Asset Management Specialist (AAMS), Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's degree in Economics from the University of Delaware after graduating from Kadena High School. Originally from Kadena Air Force Base in Okinawa, Japan, Robert has lived in Burlington, New Jersey since 2002. Outside of work, he enjoys playing tennis, spending time at the beach, and visiting his family in Hawaii. He also participates in community volunteer activities in line with Merrill Lynch’s tradition of community involvement.