Pratibha Sharma is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes roles at Ameriprise, PNC Bank, and various insurance agencies. Before entering the financial industry, she spent several years in homemaking. 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 tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad array of financial products and services beyond typical investment offerings.

Bruce Hesse is a financial advisor with Cetera, holding the PFS™ credential and Series 63, 65, and 66 licenses, and has 30 years of industry experience. His career includes roles at Avantax, 1st Global Advisors, and Private Advisor Group. Outside of advising, he serves as president of a condominium association and manages a tree farm in Maine. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and provides access to multiple investment platforms, including affiliated and third-party money managers.

Fernando Valente is a financial advisor with LPL Financial in Basking Ridge, NJ, holding a Series 63 designation and over 34 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Emily Pistone is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. Her prior work experience includes roles at UBS Financial Services, Signature Bank, JPMorgan Chase, and TD Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jessica Kelton is a CFP®-certified financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and has held positions at firms including Raymond James Financial Services and AllianceBernstein. Her background also includes roles at the University of Pittsburgh and UPMC. J.P. Morgan Securities LLC 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 recommendations.

Carmela D'anna is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Joseph Mellusi is a CFP® professional with 13 years of experience at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He holds Series 63 and Series 66 licenses and is based in Summit, NJ. J.P. Morgan Securities LLC 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 recommendations.

Andre Bakhos is a financial advisor with J.P. Morgan Securities in Warren, NJ, holding Series 63 and Series 66 licenses and having five years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A. and Equitable Advisors. He is also a member of Alpha Sigma Phi through 2025. 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 recommendations.

Christopher Renaud is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and companies to develop disciplined financial strategies focusing on wealth creation, preservation, and transfer. Christopher specializes in areas including college education planning, corporate benefits, divorce transition planning, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, and tax minimization. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a Bachelor's degree in Business Economics from Rutgers University. Christopher resides in Monroe, New Jersey with his wife Heather and their three children: Connor, Cole, and Charlotte. His personal interests include baseball, basketball, bowling, dancing, football, music, painting, racquetball, spending time with his family, and watching movies.

Ellen Desarno is a financial advisor with Equitable Advisors in Summit, NJ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Outside of her advisory role, she is involved in various insurance activities and operates a business under the name Diligence Financial Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Rajeev Chellapilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on delivering a comprehensive approach to wealth management by listening to clients' needs and ensuring that each strategy is aligned with their financial goals. He provides clients access to the investment insights of Merrill Lynch as well as the banking services of Bank of America to address various aspects of their financial lives. Rajeev holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. He is committed to delivering service that supports clients in pursuing their financial objectives.

Chris Ann Kavanagh is a financial advisor at Morgan Stanley with three years of industry experience. She previously worked at Wells Fargo Advisors for six years before joining Morgan Stanley in 2022. Outside of her advisory role, she is involved in sales and marketing for Rodan & Fields, an online retail business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Meredith Vergara is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2001 and Bank of America, N.A. since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering 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 range of products and services.

Christopher Bergman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at Signature Financial Group, Cambridge Investment Research Advisors, and Madison Trust. He is based in Madison, New Jersey. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Allegra is a financial advisor with Cambridge Investment Research Advisors, holding a PFS™ designation and Series 63 license, and has 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016 and has operated his CPA practice since 1992. Allegra also serves as an independent insurance agent and owns a CPA and tax preparation business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement-plan sponsors, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a mix of proprietary models and third-party strategies tailored to client objectives.

Mucahit Esenyurt is a financial advisor with Wells Fargo Clearing in Jersey City, NJ, holding Series 63 and Series 66 licenses. He has seven years of industry experience, including eight years at Wells Fargo Clearing and thirteen years with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory 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.

Eric Burkett Jr. is a financial advisor with Merrill in Skillman, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Merrill since 2013. Burkett also serves as a volunteer member of the Investment Advisory Committee for the American Bankers Association Foundation. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Michael Lozowski is a financial advisor with Merrill in Short Hills, NJ, holding Series 63 and Series 66 licenses and over 46 years of industry experience. He has been with Merrill since 1980 and has worked at Bank of America, N.A. since 2011. Lozowski serves as a committee member of the Polish University Club of New Jersey, a nonprofit organization focused on promoting Polish culture and awarding scholarships. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Patrick Woodward is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has 28 years of industry experience, including 19 years at Metlife Securities and over a decade with MassMutual and its investment services affiliate. Woodward is also a partner at Optimum Financial and serves as a group health insurance agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved analytical tools.

David Lambert is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 36 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he works as a technical editor for Wiley & Sons. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios and research.