Qiadong Zhao is a financial advisor with Cetera, holding CFP® and ChFC® designations, and has 16 years of industry experience. He has been with Cetera and its affiliated entities since 2013, with prior experience at LPL Financial and Cathay Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with access to various investment strategies and program structures.

Margaret Hill is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 20 years of industry experience. She previously worked at Bank of America, N.A. for nine years before joining Wells Fargo Advisors in 2018. Outside of her advisory role, she serves as power of attorney for her mother. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory recommendations with other financial products through a large network of financial advisors.

John Kayser is a financial advisor with Charles Schwab holding a Series 66 designation and 24 years of industry experience. He previously worked at BlackRock Investments, Inc. for 18 years before joining Charles Schwab. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a broad range of integrated investment and custody services.

Emily Fissel is a financial advisor with LPL Enterprise, holding CFP®, ChFC®, and Series 66 credentials and bringing 11 years of industry experience. She has worked at New Providence Financial, LLC since 2010 and was previously associated with Pruco Securities, LLC from 2010 to 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm provides financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products via an integrated platform.

Gary Motyczka is a financial advisor with LPL Financial in Basking Ridge, NJ, holding Series 65 and Series 63 licenses and bringing seven years of industry experience. His prior work includes roles at Affinity Federal Credit Union and Bandsaw Tire Warehouse. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, supported by proprietary and third-party research and technologies.

Justin Martys is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Fernando Rivera is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has previously worked at Merrill and Deutsche Bank Wealth Management. Outside of his advisory role, he has worked as a warehouse machine operator at an Amazon fulfillment center. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes both non-discretionary and discretionary investment services, with a notable offering of insurance-related vehicles and bank deposit sweep options among its investment menus.

John O'Malley is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo and its affiliated entities since 2014. Outside of his advisory work, he acts as power of attorney for his mother. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and sports & entertainment planning.

Vincent Siracusa is a financial advisor with Wells Fargo Clearing in Woodcliff Lake, NJ, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Wachovia Bank, N.A. Outside of his advisory role, he is involved in managing rental properties. 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 broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Allan Samilow is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Merrill since 2009 and concurrently at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a consultant and independent contractor for Dream Vacations/World Travel Holdings, where he has access to travel agent pricing on cruises, hotels, and airfare. 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.

Gregory Larson is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise since 2015, including its affiliated entity Ameriprise Financial Services, Inc. Prior firm history beyond Ameriprise is not noted. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Josef Stark is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with a range of model portfolios and research.

Thomas Forde is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at J.P. Morgan Securities since 2021 and concurrently at JPMorgan Chase Bank, N.A. since 2019. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Bank, N.A. 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. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering non-discretionary investment programs supported by a centralized due-diligence process.

Lawrence Hau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and bringing 29 years of industry experience. He previously worked at J.P. Morgan Securities for eight years before joining Wells Fargo in 2022. Outside of his advisory work, Hau manages investment-related rental properties and serves as a power of attorney for investment matters. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines in-house research and external analytics to support diversified portfolio construction and offers a broad range of brokerage and advisory solutions.

Darraugh Valli is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2024 and has been involved with Family Investors Company since 2000 as an owner. He serves as a board member of the Silver Beach Association and is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using a variety of proprietary and third-party strategies across multiple platforms.

Robert Muhleisen is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked with Wells Fargo entities since 2009 and currently operates RJM Investment Management and Planning LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions tailored to client needs.

Darren Marcantuone is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has worked since August 2006. He has nearly three decades of experience in the financial services industry, having helped clients navigate their financial lives since 1996. In his role as a Senior Portfolio Advisor, Darren collaborates closely with clients to develop personalized investment strategies. He designs and manages customized portfolios using a wide range of Merrill-managed solutions and third-party investment options, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program when appropriate. Darren holds the Chartered Retirement Planning Counselor (CRPC) designation and the Certified Plan Fiduciary Advisor (CPFA) designation. He earned his Bachelor of Science in Business Administration with a minor in Entrepreneurial Studies from Fairleigh Dickinson University in Florham Park, New Jersey. He has particular experience working with individuals and families during times of financial transition, assisting with retirement planning, legacy considerations, and coordinating with estate planning attorneys to align financial strategies with long-term goals. He lives in New Providence, New Jersey, with his wife Diana, their sons Jason and Ethan, and their family pet, Percy.

Juan Leon Ruiz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked at Wells Fargo Clearing since 2018 and has been with Wells Fargo Bank, N.A. since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, serving plan sponsors with tailored solutions and a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Annu Mccarthy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 24 years of industry experience. She has previously worked at Merrill, LPL Financial, LLC, and IBEX Wealth Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research-driven approaches based on diversification and modern portfolio theory.

Bela Patel is a financial advisor at Merrill with a Series 66 designation and 29 years of industry experience. He has been with Merrill since 1995. Patel is also a co-owner of a family investment-related business. Merrill, along 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 institutional investors.