Nessa Englebright is a Senior Financial Advisor with The 712 Investment Group’s West Coast office, part of Merrill Lynch Wealth Management. She began her career in 1999 at Merrill as a Financial Planning Specialist in the Manhattan East office. Since joining The 712 Investment Group in 2005, Nessa has focused on assisting high net worth individuals and families in clarifying their financial decisions. Her approach centers on identifying and prioritizing clients’ goals and developing tailored plans that utilize their current and future resources to help achieve those objectives. Nessa holds the Chartered Retirement Planning Counselor℠ (CRPC®) and Personal Investment Advisor (PIA) designations. She earned a bachelor’s degree in finance from Drexel University. Her client focus areas include college and education planning, family wealth management, legacy planning, liquidity management, retirement income, and supporting women and wealth. Outside of her professional work, Nessa enjoys cooking, hiking, music, reading, skiing, traveling, and spending time with her family. She resides in San Francisco with her husband, Vincent.

Anthony Morales is a Financial Advisor at Merrill Lynch Wealth Management with nearly a decade of experience in the financial services industry. He assists families in navigating the complexities of wealth management by creating personalized financial strategies that align with their unique goals and values. Anthony's bilingual proficiency in English and Spanish enables him to effectively serve a diverse range of clients. In his role, Anthony leverages Merrill's extensive research and resources to deliver tailored investment strategies covering areas such as retirement planning, trust and estate strategies, and portfolio management services. He is licensed as a Personal Investment Advisor (PIA) and holds registrations including the SIE, FINRA Series 7 and Series 66. His client focus encompasses family wealth management strategies and managing new wealth. Anthony attended the New York Institute of Technology without degree completion. Outside of his professional work, his personal interests include baseball, basketball, boxing, drawing and sketching, football, golfing, interior decorating, softball, spending time with family, and traveling.

Jake Sendley is a Financial Advisor at Merrill, where he helps clients develop growth plans tailored to their short-, medium-, and long-term goals. He works with individuals, families, and businesses to design investment strategies centered on portfolio construction, risk management, and planning for education, retirement, tax, and estate needs. Jake emphasizes working directly with clients to build trusting, long-term relationships. Before joining Merrill in 2021 as a Financial Solutions Advisor, Jake gained experience at a Registered Investment Advisor (RIA) firm in West Hartford during his studies at the University of Connecticut. After earning his bachelor's degree in Finance from the University of Connecticut, he began his career on a wealth management team at Wells Fargo Advisors. He holds Series 7 and Series 66 registrations and is a Personal Investment Advisor (PIA). Originally from Smithfield, Rhode Island, Jake has lived in Stamford, Connecticut since 2018. Outside of his professional work, he participates in several recreational sports teams in Stamford, including softball, golf, beach and indoor volleyball, and kickball. He also enjoys traveling, attending live events, and spending time with his siblings and family.

Samuel Goodhue is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. His career includes roles at MassMutual Life Insurance Co and MetLife Securities Inc. Outside of his advisory work, he is also engaged in insurance brokerage focused on life, accident, health, and fixed annuities. Mass Mutual Investors Services operates as 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 seminars, utilizing firm-approved analytical tools to deliver tailored written recommendations.

Jose Diaz Jr. is a CFP®-credentialed financial advisor with 12 years of industry experience, currently affiliated with Raymond James Financial in West Hartford, CT. He has been with Raymond James Financial Services Advisors, Inc. since 2013 and also maintains a role at Union Savings Bank. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations, with a significant portion of its advisory business conducted on a non-discretionary basis.

Carmela Martino is a financial advisor with Morgan Stanley, holding a Series 63 credential and bringing 23 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2007. 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, including tailored financial planning and employs structured planning tools alongside research from its Global Investment Committee.

Nicolaos Kavallieratos is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 66 license, with 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, following a prior role at Metlife Securities from 2014 to 2017. He is also the COO and a shareholder of Brix Family Office, Inc., an entity involved in promoting insurance and variable products. Mass Mutual Investors Services operates as 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, emphasizing collaborative, annual client relationships and a structured planning approach.

Sarah Di Sotto is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Emhardt is a Financial Advisor with Merrill Lynch Wealth Management who specializes in delivering personalized wealth management strategies to high-net-worth families. He focuses on key areas including education planning, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. With over 15 years of experience, Michael works to understand his clients’ priorities and develop disciplined, customized financial plans. Michael holds a Bachelor's Degree from the University of Delaware and maintains the CERTIFIED FINANCIAL PLANNER® (CFP) certification, as well as the Personal Investment Advisor (PIA) designation. His mission centers on building long-lasting professional relationships founded on integrity, trust, and personalized service, offering comprehensive advisory solutions tailored to help clients achieve their life goals. Outside of his professional work, Michael enjoys baseball, basketball, football, golfing, spending time with his family, and traveling.

Pieter Loots is a financial advisor at Merrill with Series 63 and Series 65 credentials and three years of industry experience. He previously worked at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he is involved as an owner and partner in several non-investment businesses, including real estate holdings in Massachusetts and New York and an e-commerce startup focused on cosmetics and home products. 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, and institutional investors. The firm’s platform integrates with Bank of America’s broader services, enabling access to a wide array of financial products.

Robert Bouza is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2003. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm operates as a large institutional provider offering a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Charles Wilson III is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory work, he serves as a board member of 45 East 85th Street LLC, a cooperative in New York City. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Christopher Carvotta is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity entities since 2009, including Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC, where he operates, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across multiple platforms.

Edward Dunn is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2017. Outside of his advisory role, he operates ECMC Enterprises, an S corporation through which he invests in art. 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 applying an ESG eligibility framework in its investment recommendations.

Catherine Clarke is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior work includes 12 years at M & T Securities and three years with MVP Event Staffing. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements that use firm-approved software tools and offers specialized programs such as divorce planning and estate settlement services.

Benjamin Gotfried is a financial advisor with Equitable Advisors in Fairfield, CT, holding a Series 66 designation and 15 years of industry experience. He has been with Equitable Advisors since 2010 and previously worked at Axa Advisors, LLC for 10 years. Outside of his advisory role, he serves on the board of several family and non-investment related companies, including Aries Investment Ltd., where he provides occasional business consultation. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by offering financial planning, retirement plan support, and asset management access through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to meet client needs.

Matthew Sinclair is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has worked at MassMutual Investors Services since 2017 and previously was with MetLife Securities Inc. Sinclair is also an independent insurance agent specializing in dental, group disability income, life, accident, health, fixed annuities, and long-term care insurance. Outside of financial services, he performs as a musician, playing guitar and harmonica at venues. MassMutual 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, asset management, and educational seminars, focusing on collaborative, annual planning engagements that involve detailed client analysis and written recommendations.

Susy Chang is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. She has 33 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1991. In addition to her advisory work, she is an independent insurance agent specializing in life, accident, health, Medicare-related products, and property and casualty insurance. 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 offers financial planning, asset management, and educational services using firm-approved software and structured annual planning engagements.

Michael Di Lorenzo is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Royal Alliance Associates and LPL Financial. He is also involved in the sale of fixed insurance products through a sole proprietorship. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a network of affiliated advisers and multiple platforms. The firm utilizes firm-provided asset-allocation tools and third-party services to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and HSBC Bank USA, N.A. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by model portfolios, research, and various investment management options.