Kenneth Roberts is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial since 2024. He previously worked at Wells Fargo Advisors from 2016 to 2024. Roberts also operates the Roberts Financial Group, a business entity used for tax and investment purposes. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of financial planning, advisory programs, and brokerage services delivered through a large national network of investment adviser representatives.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.

Matthew Catania is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and six years of industry experience. He has worked at MML Investors Services LLC since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Outside of his advisory role, he maintains an active insurance agent position and owns an LLC established for consulting income. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements utilizing firm-approved software and educates clients through seminars, with additional services including divorce planning and estate-settlement programs.

Henry Pozo is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2012, with prior roles at New Horizon Legacy Group LLC and JPMorgan Chase Bank, N.A. Pozo was also involved with Envios Sin Fronteras from 2008 to 2020. 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.

Bruce Perhach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Royal Alliance Associates and Investment Advisors Asset Management, LLC. He is also involved with Perhach Associates Wealth Management, a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and technology-driven strategies.

Daniel Fitzpatrick is a financial advisor at Equitable Advisors, holding Series 66 and Series 63 licenses with four years of industry experience. He has worked at Equitable Advisors since 2021 and is also the owner of Fitzpatrick Media LLC, a photography business. Equitable Advisors serves a diverse client base including individuals, high-net-worth individuals, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, broker-dealer services, insurance, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and other third-party managers to deliver advisory and brokerage solutions.

Eileen Burns is a financial advisor at Cetera with 20 years of industry experience and a Series 66 designation. Her prior work includes roles at Oppenheimer & Co. Inc., Avantax Investment Services Inc., and McLaughlin Financial Group. She is currently associated with Brendon Pierson Wealth Management and Brendon Pierson, Inc. alongside her position at Cetera. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to various investment strategies and program structures.

Caroline Missak is a Series 66-credentialed financial advisor with Merrill, where she has worked since 2016, bringing 13 years of industry experience. She is also the owner of Renewables Core, Inc., a marketing business focused on medical devices. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Widmer is a financial advisor with Merrill in Lakewood, New Jersey, holding a Series 66 designation and having two years of industry experience. Prior to joining Merrill, he worked at Bank of America, Jalinski Advisor Group, TFS Securities, Inc., and TFS Mortgage Corp, where he currently serves as Vice President overseeing operations. Merrill, alongside 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.

William Yaegel is a financial advisor with Stifel in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Stifel since 2007. Stifel serves a diverse clientele including individual, institutional, and municipal clients, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Todd Dotterweich is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Santander Securities, LLC and Santander Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach 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.

Joshua Blumensteel is a financial advisor at Cetera with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mid Atlantic Resource Group and Securian Financial Services. Outside of his advisory work, he is involved in family-owned businesses, including Yesterday's Family Restaurant and New Vision Liquors LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with more than 10,000 advisors and over $256 billion in assets under management.

Nicole Flores is a Series 66 licensed financial advisor at UBS Financial Services in Manasquan, NJ, with 21 years of industry experience. She has been with UBS since 2004 and is also the owner of a business named Stewarts. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, supported by proprietary research and model-based strategies.

Kaitlyn Kerr is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She previously worked at Merrill from 2014 to 2017 before joining J.P. Morgan in 2017. Outside of her advisory role, Kerr is a part owner of Major League Pickleball, a professional pickleball tour in the United States. 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.

Matthew Sura is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has been in the financial industry since 2026. Prior to joining Raymond James, he worked at Santander Bank, Citizens Bank, and TD Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs.

Christopher Santopietro is a financial advisor with Merrill and holds a Series 66 designation. He has nine years of industry experience, including his current role at Merrill and Bank of America since 2017. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Scott Carone is a financial advisor with Equitable Advisors in Point Pleasant, NJ, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has been with Equitable Advisors since 2014, previously associated with Axa Advisors, LLC for six years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services according to clients' goals, risk tolerance, and time horizon.

Alberico Sessa is a financial advisor at Morgan Stanley with 30 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. and MORGAN STANLEY SMITH BARNEY LLC since 2023, and spent 11 years at UBS Financial Services. Outside of advisory work, he is involved as a partner in real estate ventures through AA Belmar Real Estate LLC and Sessa-Kopcha Family LLC. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in assets and offering tailored planning supported by firm-approved tools and methodologies.

Michael Girgis is a financial advisor at Equitable Advisors with 19 years of industry experience. He has been with Equitable Advisors since 2006 and holds the Series 66 designation. Outside of his advisory role, he serves as a co-trustee of family trusts alongside his brother. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to meet client needs.

Andrew Scott is a financial advisor at Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation. He has been with Morgan Stanley since 2026 and previously worked at Life Time Fitness and ADP LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through structured discovery conversations without offering individual security recommendations in standalone planning.