Ryan Brenner is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. He previously worked at MML Investors Services, LLC and Mass Mutual Life Insurance Co from 2017 to 2024 before joining Cetera. Brenner is also involved with Heights Financial Group, a financial services DBA under which he operates as a financial planner. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Rick Schmid is a Financial Consultant currently working at Fidelity Investments since 2023. He collaborates with clients to build and maintain financial plans tailored to their specific needs and goals, aiming to simplify financial management and instill confidence in their financial future. Rick has professional experience spanning over a decade in the financial industry. Prior to his current role, he served as an Assistant Vice President - Financial Solutions Advisor at Merrill from 2014 to 2023, and before that, he worked as a Platinum Mortgage Banker at PHH Mortgage between 2010 and 2014.

Richard Eckell is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and PNC Wealth Management. He is also involved with Gladstone Wealth Partners, a business related to his LPL advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Wesley Underwood is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, following five years at JP Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he works part-time as a driver for an online ride share service. 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 a diverse client base including individuals, high-net-worth clients, and institutional investors.

Joshua Isernia is a Financial Advisor at Merrill Lynch Wealth Management. He provides personalized financial strategies aimed at helping clients and their families achieve their financial goals. His areas of expertise include institutional investment consulting, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based ESG investing, tax minimization, and retirement income planning. Joshua holds a Bachelor's Degree from Monmouth University and holds the designation of Personal Investment Advisor (PIA).

Luke Wallace is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and ten years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, he assists clients in selecting Medicare supplement plans as a licensed health insurance sales agent. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual, high-net-worth, corporate, and charitable clients. The firm uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Ty Costantino is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has prior experience in retail sales and insurance brokerage. Outside of advising, he is involved in buying and selling jewelry through Sansom Metals. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers using collaborative, goal-oriented planning supported by firm-approved analytical tools.

Antonio Bene is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. Prior to joining Fidelity, his work history includes roles at Subaru of America and Rowan University. Fidelity Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory roles to registered investment companies and its use of systematic methodologies and AI-driven research.

Gary Devicci is a financial advisor with Cambridge Investment Research Advisors and holds the CFP® and ChFC® designations. He has 49 years of industry experience and previously worked at Cantella and Co., Inc. for over a decade. He is also involved in several independent business ventures, including ownership of CPI Planning and Devicci Financial Associates, LLC, as well as serving as an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves a broad range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi‑billion dollar asset base across multiple platforms and custodians.

Octavius Reid III is a financial advisor with Morgan Stanley in Marlton, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Outside of his advisory role, Reid serves on the board of the Rhythm and Blues Foundation and lectures for the National Basketball Association’s Rookie Transition Program. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Emily Hepburn is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the head of The Sterrett Hepburn Group. She works with individuals, couples, and families to help them deploy, grow, and transfer their wealth more effectively. Emily advises clients from diverse backgrounds, including executives, business owners, and professionals, with particular sensitivity to those experiencing significant life transitions such as marriage, divorce, retirement, or the sale of a business. Emily earned a Bachelor's degree in business with a concentration in finance from Boston University and holds the CERTIFIED FINANCIAL PLANNER™ designation. She has been with Merrill since 2009 and continues a family legacy in financial advising, following in the footsteps of her mother, Barbara Sterrett, who was a Merrill Advisor for 39 years. Emily's approach emphasizes education, empowerment, and a consultative process aimed at helping clients pursue their financial goals and establish their desired legacy. Outside of her professional work, Emily is involved with the Big Brothers Big Sisters of Massachusetts Bay. She enjoys spending time with her family, engaging in activities such as boating, cooking, gardening, golfing, running, and skiing.

Brett Mower is a financial advisor with LPL Financial in Haddonfield, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes roles at UBS Financial Services, Merrill, Banc Of America Investment Services, and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management services through a large network of advisors.

Daniel Reganata Jr. is a financial advisor at Cetera with 19 years of industry experience. He holds the PFS™ and Series 63 designations and has held positions at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory work, he owns and operates Reganata & Associates, providing accounting, tax preparation, and consulting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across multiple program structures.

Nancy Findlay is a financial advisor at Ameriprise with 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2002 and holds a Series 66 designation. Outside of her advisory role, she is a co-owner of OneFuture LLC, which manages her Ameriprise business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its large institutional platform.

Charles Price III is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, he worked for the Delaware River Port Authority for over two decades. 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 other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, including access to third-party managers and institutional platforms.

Randley Gonzalez is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He is dedicated to building long-term relationships with his clients by providing financial guidance that is honest, transparent, and tailored to their individual needs. His approach focuses on simplifying the financial planning process to help clients gain clarity and confidence. Gonzalez has a wealth of experience in the financial sector, having previously worked as an Investment Consultant at Fidelity Investments from 2019 to 2020, and as a Relationship Manager at the same firm from 2013 to 2019. Prior to his tenure at Fidelity, he was a Senior Analyst at Lehman Brothers from 2005 to 2010. Outside of his professional work, Gonzalez has interests that include fitness, food, military service, tennis, and traveling.

Sean Stoneback is a financial advisor with Equitable Advisors, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2005 and previously associated with Axa Advisors, LLC. Sean is also a co-executor of his grandparents' estate and operates an outside insurance brokerage business. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes a network of investment adviser representatives and third-party managers to deliver tailored investment solutions across a broad range of products.

Michael Kramley is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and models.

Christopher Lex is a financial advisor with LPL Financial, holding a Series 66 credential and 14 years of industry experience. His prior work includes roles at Agia and Valic Financial Advisors. Outside of his advisory work, he is involved with several business entities related to investment and tax purposes, including WealthFusion Inc and The Fifteen Group. 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 services and platforms, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by machine-learning tools and various financial products.

Jennifer Myers is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following four years at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies such as Monte Carlo simulations as part of its advisory process.