James Toth is a financial advisor with Mass Mutual Investors Services who holds the ChFC® designation and Series 63 license, and has 41 years of industry experience. He has been with Mass Mutual Life Insurance Company since 1998 and MML Investors Services, Inc. since 1988. Outside of his advisory role, he is involved in life and health insurance sales. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that delivers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s planning process uses firm-approved software to analyze client goals and provides written recommendations without discretionary authority.

F Shannon IV is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a team member since 2006. Prior to joining Merrill Lynch, he gained experience at Legg Mason and Smith Barney. Shannon specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's degree from the University of Maryland, College Park, and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor designation. Shannon serves on the Board of Trustees of the Naval Academy Primary School in Annapolis, Maryland. Residing in Annapolis with his wife, Sarah, and their three children, Shannon enjoys boating, golfing, music, traveling, and spending time with his family.

Justin Pak is a financial advisor with Wells Fargo Clearing in Iselin, NJ, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm's advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Louis Simone is a Series 66 licensed financial advisor with Equitable Advisors in Woodbridge, NJ. He has 20 years of industry experience, spending his entire career since 2006 with Equitable Advisors and its predecessor Axa Advisors. Outside of advising, he is a silent owner of a fitness business, AFC Hudson LLC, holding a 40% stake without day-to-day involvement. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management through a network of investment professionals, utilizing third-party managers and a variety of investment programs.

Shobha Menon is a Financial Advisor at Merrill Lynch Wealth Management in Princeton, New Jersey. She works with individuals and families to help define life goals and develop financial strategies tailored to their needs. Menon leverages Merrill Lynch's comprehensive wealth management and banking platform through Bank of America to provide guidance on investing, retirement planning, and small business solutions. With over 30 years of experience in the financial industry, Menon has held advisory roles for product launches, compliance and legal support for trust and mutual fund setups, and operational management across multiple geographies. She is registered to serve clients nationwide and specializes in areas including college education planning, family wealth management, employee financial health, and personal retirement planning. Menon holds professional designations such as Certified Plan Fiduciary Advisor, Chartered Retirement Planning Counselor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Menon earned a Bachelor's Degree and a Bachelor of Law from the University of Mumbai and completed the Accredited Certificate Program from The Institute of Chartered Accountant of India. She is fluent in English, Hindi, and Gujarati. Beyond her professional work, Menon participates in community activities as a Bank of America Community Volunteer and supports organizations including St. Jude Children's Research Hospital. Her personal interests include gardening, music, spending time with family, and traveling.

Ronald Williams is a CFP® professional with 35 years of experience in the financial industry. He currently serves as an advisor at Cetera and has prior experience with First Allied Advisory Services, Inc. and First Allied Securities, Inc. Outside of his advisory role, he is a real estate sales associate with Weichert Realtors and operates his own business under True North Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Jeffrey Davidson is a CFP® professional with 23 years of experience in the financial services industry. He has been with Wells Fargo Advisors since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research, planning tools, and simulation models to develop tailored recommendations for clients.

Alyson Mandato is a financial advisor at Cetera with six years of industry experience. She holds a Series 66 designation and previously worked at Two River Community Bank. In addition to her advisory role, she is involved with King Financial Network, where she prepares lead advisors for client meetings and manages portfolio reporting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a multi-manager platform with a range of portfolio management and financial planning services.

Daniel Campanelli is a financial advisor with LPL Financial based in Rahway, NJ, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. He previously worked at CUNA Brokerage Services, Inc. and Cuna Mutual Group for over two decades. 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 financial planning and investment management services through a large network of advisors who utilize both proprietary and third-party strategies.

Melissa Karwoski is a financial advisor with Charles Schwab in Princeton, NJ, holding a Series 66 designation and 18 years of industry experience. Her prior roles include five years with Prudential Investments and its related entities. Outside of her advisory work, she operates Sugar Lion & Sprinks, a small food and beverage business featuring homemade desserts shared and occasionally sold via social media. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions alongside integrated brokerage, custody, and financial planning services.

Prasanna Joshi is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to develop personalized financial strategies tailored to their individual goals and changing market conditions. Prasanna provides access to Merrill’s investment insights alongside the banking and lending services of Bank of America to support comprehensive wealth management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His educational background includes a Bachelor's Degree from the Indian Institute of Technology and a Master's Degree from Stevens Institute of Technology. Prasanna also participates in community service, volunteering with local organizations aligned with Merrill’s tradition of community involvement. His approach emphasizes one-on-one collaboration to help clients pursue their long-term financial objectives.

Connor O'Reilly is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial planning and investment management services to clients. Further details regarding his experience, educational background, or personal interests have not been provided.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Thomas Zupancic is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at Marsh and McLennan Companies Inc. and operating a window cleaning business that is currently dormant and in the process of dissolution. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Nicholas Pulli is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to his current role, his work history includes positions at MFS Investment Management and Constellation Brands. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in assets and employs a structured planning process using firm-approved tools and modeling techniques.

Evan Brown is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Absolute Fire Protection, Firestone Complete Autocare, and Universal Technical Institute. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Binni Shah is a financial advisor at Merrill with Series 63 and 66 licenses and one year of industry experience. Prior to joining Merrill, Shah worked at NYLIFE Securities LLC and New York Life Insurance Company, and has held positions at Motilal Oswal Financial Service Limited and HDFC Bank. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Qiadong Zhao is a financial advisor with Cetera, holding CFP® and ChFC® designations, and has 16 years of industry experience. He has been with Cetera and its affiliated entities since 2013, with prior experience at LPL Financial and Cathay Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with access to various investment strategies and program structures.

Elena Ristov is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting on a non-discretionary basis.

Emily Fissel is a financial advisor with LPL Enterprise holding the CFP® and ChFC® designations and has 12 years of industry experience. She has been associated with New Providence Financial, LLC since 2010 and worked at Pruco Securities, LLC from 2010 to 2024. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs, while also providing insurance and trustee services through affiliated entities.