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 Series 66–licensed financial advisor with Cetera, bringing five years of industry experience. She is currently affiliated with Cetera Wealth Services, LLC and King Financial Network, where she serves as a Wealth Management Associate. Mandato also has an ongoing association with the University of South Carolina since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser offering services through a nationwide network of independent advisors to individual and institutional clients. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Daniel Campanelli is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 36 years of industry experience. His prior career includes roles at CUNA Brokerage Services and Cuna Mutual Group. Campanelli’s activities involve multiple DBA entities associated with LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and research from LPL Research.

Colin Wingate is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior work includes roles at Prudential Financial and teaching positions at Widener University and St. Augustine Preparatory School. He also has experience outside finance working at Airborne Systems and in the hospitality industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a range of investment and insurance products through an integrated platform.

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.

James Malmstrom is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 45 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a combined tenure of 13 years before joining LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management alongside research from internal and third-party sources.

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 in Woodbridge, NJ, holding Series 66 and Series 63 designations and four years of industry experience. His prior work includes roles at Marsh and McLennan Companies Inc. and operating a window cleaning business, TDCM Inc., which is currently in the process of dissolution. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client information and risk tolerance to match clients with suitable advisory models or discretionary managers, often utilizing third-party asset managers and programs.

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 66 and Series 63 licenses and one year of industry experience. Prior to Merrill, Shah held positions at Bank of America, NYLIFE Securities LLC, and New York Life Insurance Company. 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 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.

Carla Oliveira is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and 14 years of industry experience. She has been with Cetera and Cetera Investment Services LLC since 2019 and previously worked at Foresters Financial Services from 2015 to 2019. Outside of her advisory role, she is a 100% owner of rental property. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Terence Benjamin is a financial advisor with Raymond James & Associates in Princeton, NJ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked eight years with the United States Golf Association and served on the advisory board of Starmis Corporation, a family business, where he holds a voting board position without beneficial ownership. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting with access to various portfolio management styles and in-house research.

Fernando Rivera is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has previously worked at Merrill and Deutsche Bank Wealth Management. Outside of his advisory role, he has worked as a warehouse machine operator at an Amazon fulfillment center. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes both non-discretionary and discretionary investment services, with a notable offering of insurance-related vehicles and bank deposit sweep options among its investment menus.

Christian Foli is a financial advisor with LPL Enterprise, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has previously worked at TD Ameritrade Inc. for 15 years and has been with LPL Enterprise since 2025. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing research, model portfolios, and third-party management in a platform that integrates adviser programs with financial products such as insurance.

Iryna Grach is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 15 years of industry experience. She has been with Bank of America and Merrill since 2013. 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 range of clients including individuals, high-net-worth clients, and institutions.