Ricardo Astacio Felix is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with Primerica and its affiliated entities since 2011. Outside of his advisory role, he serves as a remote online notary. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating under a tiered wrap-fee structure.

Lynch Hunt Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Merrill, Essex National Securities, Questar Asset Management, and PNC Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics aligned with diversification principles and modern portfolio theory.

Margaret Ann Nugent is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Daniel Macri is a CFP® professional affiliated with LPL Financial, with 32 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Company, and MetLife Securities Inc. He also serves as an adjunct professor at Wagner College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives.

David Peracchio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and comprehensive due diligence on alternative investments.

Remon Dawood is a financial advisor with Merrill who holds a Series 66 designation and has six years of industry experience. His prior work history includes roles at Bank of America, American Lending Inc., Lyft, Uber, and various positions within California state agencies. 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, pension and profit-sharing plans, corporations, and charitable organizations.

David Haney is a financial advisor at Merrill with 13 years at the firm and a total of 3 years of industry experience. He holds a Series 66 designation. Prior to his current role, he worked at Bank of America N.A. since 2023. 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.

Scott Stephen is a financial advisor with Wells Fargo Advisors, holding Series 63 and 65 licenses and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. He is also a co-owner of STEPHEN GP, LLC, a merchant partnership based in Iselin, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Daniel Ronan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His background includes roles at Wells Fargo Bank and Pro Football Focus, as well as management experience in the hospitality sector. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by extensive research and analytics.

Aine Tomasso is a financial advisor at RBC Capital Markets with 13 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and City National Bank. Outside of her advisory role, she is the owner of a private company unrelated to investments. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles.

Joel Boulanger is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2023, he held various roles including a golf instructor position at Manasquan River Golf Club. Outside of advising, he teaches golf as a PGA golf instructor. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Matthew Cerbone is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and previously worked at The Bank of New York Mellon from 2011 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and models to tailor strategies to clients’ goals and risk tolerances.

Dana Bitterly is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and its affiliate Morgan Stanley Private Bank, National Association since 2013. 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 manages approximately $2.74 trillion in client assets.

Henry Youssef is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked with Equitable Advisors since 2012 and previously with Axa Advisors, LLC. Outside of his advisory role, he is a partner and vice president in several non-industry related business ventures, including real estate investment and a laundromat. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory programs, and provides ERISA fiduciary services to qualified plans.

James King Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Commonwealth Financial Network for 10 years. He is the director of wealth management at King Financial Network, a marketing DBA through which he provides investment management and financial planning services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and retirement services and supports both discretionary and non-discretionary account structures.

Theresa Payne is a financial advisor with Merrill in East Brunswick, NJ, holding Series 63 and Series 65 licenses. She has 28 years of industry experience and has been with Merrill since 1994. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Graney is a financial professional with 11 years of industry experience, currently affiliated with LPL Enterprise. He holds Series 63 and Series 65 designations and has previously worked with The Prudential Insurance Company of America and PRUCO Securities, LLC. Outside of his primary role, Graney is also engaged as a financial professional with Garden State Financial Agency, focusing on insurance and investment sales and service. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Robert Cosentino is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. His career includes long-term roles at First Allied Securities and First Allied Advisory Services before joining Cetera. He also serves as a trustee for COSENTINO IRRV. LIFE INS. TRUST. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Nicholas Chiarella is a financial advisor at Merrill with 8 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2013. 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 strategies for individuals, high-net-worth clients, and various organizational plans.

John Brzozowski is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2013. 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.