Daniel Giuntini is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes 12 years at TD Ameritrade Inc. and current roles at Charles Schwab Bank and Charles Schwab and Co., Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Robert Barbuto is a financial advisor at Edelman Financial Engines with 23 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at several firms including Charles Schwab, Fidelity, and Merrill. Barbuto has been with Edelman Financial Engines and its predecessor entities since 2022. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm’s approach includes diversified model portfolios, periodic rebalancing, and a combination of discretionary and non-discretionary advisory services, managing approximately $326 billion for nearly 477,000 clients.

Carol Ungar is a financial advisor with Cetera, holding a Series 63 designation and 42 years of industry experience. She has worked at Cetera and its related entities since 2005 and has been associated with Ungar & Mullin Financial Associates, Inc. since 1986. In addition to her advisory work, she is involved in tax preparation through her firm Ungar & Mullin Financial Associates and works part-time as a receptionist at Weight Watchers. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management strategies and program structures, supporting both discretionary and non-discretionary authorities.

Todd Hubley is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked with Ameriprise Financial Services, Inc. for 17 years. Hubley receives royalties from book sales. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Simone Cahill is a financial advisor with Fidelity, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Fidelity, she worked at KPMG, LLP for five years and State Street Corp. for eleven years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Christian Desfosses is a Wealth Management Advisor at Merrill Lynch Wealth Management. He partners with clients to develop personalized financial plans aimed at achieving their family’s long-term goals. Christian focuses on areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Christian holds a Master’s Degree from Fairleigh Dickinson University and a Bachelor’s Degree from Fairfield University. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). With his team, he brings nearly a century of combined experience to guide clients through the complexities and challenges of wealth management. Outside of his professional role, Christian enjoys antiquing, golfing, music, spending time with his family, and watching movies. He emphasizes simplicity and transparency in his client relationships and values a collaborative approach, describing his group as a family that works with other families.

David Heller is a financial advisor with Cetera who holds a Series 63 designation and has 38 years of industry experience. He has served in leadership roles at DC Heller & Company, Inc. since 1990 and currently acts as president of both DC Heller & Company, Inc. and Highstreet Insurance Services Northeast LLC, where he focuses on employee benefits and risk management. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a nationwide network of over 10,000 advisors.

Jessica Wuerz is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. She has worked at Cetera Investment Services LLC since 2019 and previously spent 17 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Steven Dipaola is a financial advisor at LPL Enterprise with 36 years of industry experience. His prior work includes roles at Bankers Life Advisory Services, Inc., Humana, United Health Care, Aetna, and Northeast Securities, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, consulting, and access to third-party asset managers and insurance products through affiliated entities.

Nicholas Koenig is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Cetera Investment Services LLC and Foresters Financial Services, Inc. Outside of his advisory role, he is involved with Around The House LLC, a construction business where he works as a contractor on weekends. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Joseph Dailey is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Merrill and Bank of America, as well as multiple roles within J.P. Morgan Securities since 2011. Outside of his advisory work, he owns a small woodworking business that creates commissioned pieces. 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 searches, and customized performance reporting. The firm combines quantitative screening and qualitative research to develop model asset allocations and offers capabilities in derivatives and commodities.

Cristian Sierra is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and HSBC Securities. 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 individuals, high-net-worth clients, and institutional investors.

John Mapes is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley since 2009 and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Patrick McMahon is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has one year of industry experience and previously worked with the Binghamton Athletics Department and Binghamton University. Outside of his financial career, he was involved with the Red Jug Pub for two years. Mass Mutual 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 using firm-approved software and delivers written recommendations without discretionary investment authority.

Vanessa Bustamante is a financial advisor at Primerica Advisors with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been associated with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of her advisory role, she is involved in sales of home security and automation products through affiliated companies and owns Bam Financial Services, LLC, a legal entity formed for business purposes related to Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Peter Mc Cormack is a financial advisor at LPL Enterprise with 34 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Guardian Life, where he worked for over two decades. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable entities. The firm emphasizes model-driven investment implementation through portfolios developed by internal and third-party strategists and offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

John Arminio is a financial advisor with MassMutual Investors Services holding a Series 66 designation. He has been with MassMutual Life Insurance Co and MML Investors Services since 2025. Prior to this, he gained experience at Barnum Financial Group, Fortress Investment Group, and Dunlea Glass & Mirror, Inc. He also has a background connected to the University of South Carolina and several community clubs. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars with a structured annual planning process utilizing firm-approved analytical tools.

Jonathan James is a financial advisor with Raymond James Financial, holding a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he has held various roles including positions in college preparatory services and flight training. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored non-discretionary planning and consulting using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Stephen Laddy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, Laddy co-owns a landscape company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Herbert Roman is a financial advisor with Cetera, holding a Series 63 designation and bringing 10 years of industry experience. His prior roles include positions at Avantax Advisory Services and Prudential Insurance Company of America. Outside of his advisory work, he owns and operates multiple golf-related businesses, including an indoor golf facility, a competitive golf tour company, and a nonprofit organization aimed at teaching golf to children with limited resources. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party strategies across various program structures.