Jeffrey Durr is a financial advisor with MassMutual Investors Services in Warren, NJ, holding a Series 63 designation and 36 years of industry experience. He has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Co. since 1998. In addition to his advisory role, he coaches young insurance agents on building their practices. MML Investors Services, LLC operates as a subsidiary of MassMutual and offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures its financial planning as annual collaborative engagements and uses firm-approved tools to analyze client goals and deliver written recommendations.

Daniel Scheine is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 credentials. He has been with Wells Fargo Advisors since 2025 and has prior experience in real estate and financial planning roles at several firms, as well as teaching positions at the University of Delaware. 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 using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Thomas Clancy is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, he worked at Solar Landscape and attended Cornell University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process includes centralized due diligence and incorporates quantitative and qualitative research, with capabilities in derivatives and commodities.

Sebastian Ardaix is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, MongoDB, Navatar, Onna, BetterCloud, and Strategic Consulting LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Goutam Ghosh is a financial advisor at Morgan Stanley with 23 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Pratibha Sharma is a financial advisor at Merrill with two years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise, PNC Bank, and in insurance advisory roles. 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 strategies for a wide range of individual, institutional, and nonprofit clients.

Bruce Hesse is a financial advisor with Cetera, holding the PFS™ designation along with Series 63, 65, and 66 licenses. He has 31 years of industry experience, including roles at Avantax and 1st Global Advisors. Outside of advising, he serves as president of a condominium association in Lebanon, NJ, and owns a tree harvesting business in Maine. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and investment strategies.

Fernando Valente is a financial advisor with LPL Financial, holding a Series 63 designation and 34 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and previously worked at WS Griffith Securities, Inc. from 2002 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting its network of over 22,800 advisors.

Emily Pistone is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and one year of industry experience. Her prior roles include positions at UBS Financial Services, Signature Bank, JPMorgan Chase, and TD Bank. 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, including discretionary and non-discretionary retirement plan services supported by research from the Wells Fargo Investment Institute.

Jessica Kelton is a CFP®-designated financial advisor with J.P. Morgan Securities, bringing four years of industry experience. Her career includes roles at JPMorgan Chase Bank, Raymond James Financial Services, and AllianceBernstein. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

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 and JPMorgan Chase Bank, N.A. He holds Series 63 and Series 66 licenses and is based in Summit, NJ. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a wealth advisor program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates 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. He previously worked at Equitable Advisors and JPMorgan Chase Bank, N.A., and has been involved with Alpha Sigma Phi from 2021 to 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with both quantitative and qualitative research and may incorporate ESG eligibility criteria.

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, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Equitable Advisors since 1999, including its predecessor entity AXA Advisors, LLC. Outside of her advisory role, she is involved in various insurance activities and operates under the DBA Diligence Financial Group. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a combination of proprietary and third-party investment models and provides ERISA fiduciary services through credentialed representatives.

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 with Merrill, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 2001 and has also worked at Bank of America, N.A. since 2015. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Bergman is a financial advisor with J.P. Morgan Securities in Madison, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Signature Financial Group, Cambridge Investment Research Advisors, PNC Wealth Management, and currently J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm integrates quantitative and qualitative research in its advisory process and maintains broader regulatory registrations that support its derivatives and commodities capabilities.

David Allegra is a financial advisor at Cambridge Investment Research Advisors with over 32 years of industry experience. He holds the PFS™ and Series 63 credentials and has been with Cambridge since 2016. Prior to this, he has operated his own CPA practice since 1992. Outside of his advisory role, he is an independent insurance agent and owner of a tax preparation and accounting services firm. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.