Jeffrey Cohen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michael Montaruli is a financial advisor with LPL Financial, holding a Series 63 designation and 11 years of industry experience. He has worked at LPL Financial since 2015 and has been associated with Hudson Valley Federal Credit Union since 2005. His outside activities include providing Medicare Advantage, Medicare Supplement, and Prescription Drug Plans through the Hudson Valley Federal Credit Union Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology-driven tools and extensive non-advisory financial activities.

Karl Mergenthaler is a financial advisor with Morgan Stanley in Westport, CT, holding Series 63 and Series 66 credentials and with 13 years of industry experience. He previously worked at J.P. Morgan for 10 years before joining Morgan Stanley and its Private Bank in 2017. Outside of his advisory role, he serves as an adjunct professor at Fairfield University and is involved with Columbia University and the CFA Institute in non-investment-related educational and administrative capacities. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools, with plans typically not including individual security recommendations and client implementation responsibilities.

Joseph Barbetta is a financial advisor with Equitable Advisors in Westport, CT, holding a Series 66 designation and with 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2000. Barbetta serves as a legislative ambassador for the American Cancer Society, representing the organization in lobbying efforts at state and federal levels. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a range of investment programs and third-party asset managers.

Keith Gillotti is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he serves as an executor for a family estate in Brookfield, CT. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Brian Swedrock is a financial advisor at Morgan Stanley with 10 years of industry experience. He previously worked at Webster Wealth Advisors for a decade before joining Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate Global Investment Committee return estimates and Monte Carlo simulations.

Daniel Hasa is a financial advisor with J.P. Morgan Securities in Chappaqua, NY, holding Series 63 and Series 65 licenses with one year of industry experience. His prior experience includes positions at Morgan Stanley and Keller Williams. Outside of finance, he works part-time as a waiter at a restaurant. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its investment recommendations.

Michael Sherman is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

David Bergerson II is a financial advisor at Edward Jones with 13 years of industry experience. He previously worked at Merrill Lynch/Bank of America, N.A. for five years and Orion Capital Advisors LLC for two years. Outside of his advisory work, he referees soccer and hockey games at various youth levels. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Derek Bufano is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held roles at Metro Physical Therapy and taught at Marist College. 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and extensive operational infrastructure.

Craig Foster Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at Jpmorgan Chase Bank, N.A. since 2007. 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. As part of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

John Hayes is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. He has been with Fidelity Investments since 2009, serving in various roles including Account Executive, Investment Representative, and Financial Representative. Prior to joining Fidelity, he worked at Vanguard as a Flagship Representative and Core Representative from 2006 to 2009. His professional experience encompasses a range of financial consulting and investment roles, demonstrating a comprehensive understanding of the financial services industry. John emphasizes a disciplined process and a core business philosophy in his approach, aiming to provide support throughout every stage of a client's financial life. Further details regarding his education, credentials, personal interests, or community involvement have not been provided.

Christopher Sun is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2019, following roles at Celebration Restaurant Group and Scottland Inc. 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

Stephen Cohen is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 37 years of industry experience. He previously worked at Metlife Securities Inc. for 18 years before joining Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. He is also a licensed insurance agent offering life, disability, long-term care, fixed annuities, health, dental, and group disability income products, and is an attorney though not actively practicing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and recommend investment strategies without discretionary authority.

Ali Girardi is a financial advisor at RBC Capital Markets with 28 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley Private Bank and City National Bank. Outside of her advisory role, Girardi is involved with Outreach to Pets in Need, a charitable organization focused on pet homelessness prevention and related programs. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and incorporating both in-house and third-party investment managers.

Sean Kilmurray is a financial advisor at UBS Financial Services with three years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Ameriprise Financial Services and Northwestern Mutual. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with a broad platform of trading, underwriting, and wealth management services.

Simon Tarvin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC, alongside over two decades at Wachovia Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Buelta is a financial advisor with OSAIC, holding a Series 66 designation and over 25 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 24 years. Outside of advising, Buelta is involved in insurance sales, offering various types of life and disability insurance products. OSAIC serves a diverse client base, including individual, high-net-worth, institutional, and charitable investors, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a range of portfolio construction tools and offers multiple investment platforms, including third-party managed accounts and unified managed account solutions.

Brian Zusi is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and six years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services, LLC, Mass Mutual Life Insurance Company, and House of Sports / ASEC, LLC. He also serves as a consultant for GLG World Insight Network, providing expertise in sports coaching and organizational leadership. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual, high-net-worth investors, retirement plans, and institutional entities. The firm utilizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and various non-securities products and services.

Julian Zapata is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held roles at Citibank, as well as various positions outside finance including culinary and hospitality work. 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 a range of clients including individuals, high-net-worth clients, and institutional accounts.