Josef Stark is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with a range of model portfolios and research.

Mary Garcia is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated from 2008 to 2017. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates into Bank of America’s broader platform, providing access to derivatives, lending, custody, and other services.

Kristine O'Keefe is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked with J.P. Morgan entities since 2013 across both JPMorgan Securities LLC and JPMorgan Chase Bank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm emphasizes non-discretionary services and incorporates ESG criteria in its manager and fund recommendations.

Thomas Forde is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at J.P. Morgan Securities since 2021 and concurrently at JPMorgan Chase Bank, N.A. since 2019. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Bank, N.A. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering non-discretionary investment programs supported by a centralized due-diligence process.

Lawrence Hau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and bringing 29 years of industry experience. He previously worked at J.P. Morgan Securities for eight years before joining Wells Fargo in 2022. Outside of his advisory work, Hau manages investment-related rental properties and serves as a power of attorney for investment matters. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines in-house research and external analytics to support diversified portfolio construction and offers a broad range of brokerage and advisory solutions.

Darraugh Valli is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2024 and has been involved with Family Investors Company since 2000 as an owner. He serves as a board member of the Silver Beach Association and is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using a variety of proprietary and third-party strategies across multiple platforms.

Robert Muhleisen is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked with Wells Fargo entities since 2009 and currently operates RJM Investment Management and Planning LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions tailored to client needs.

Darren Marcantuone is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has worked since August 2006. He has nearly three decades of experience in the financial services industry, having helped clients navigate their financial lives since 1996. In his role as a Senior Portfolio Advisor, Darren collaborates closely with clients to develop personalized investment strategies. He designs and manages customized portfolios using a wide range of Merrill-managed solutions and third-party investment options, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program when appropriate. Darren holds the Chartered Retirement Planning Counselor (CRPC) designation and the Certified Plan Fiduciary Advisor (CPFA) designation. He earned his Bachelor of Science in Business Administration with a minor in Entrepreneurial Studies from Fairleigh Dickinson University in Florham Park, New Jersey. He has particular experience working with individuals and families during times of financial transition, assisting with retirement planning, legacy considerations, and coordinating with estate planning attorneys to align financial strategies with long-term goals. He lives in New Providence, New Jersey, with his wife Diana, their sons Jason and Ethan, and their family pet, Percy.

Juan Leon Ruiz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked at Wells Fargo Clearing since 2018 and has been with Wells Fargo Bank, N.A. since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, serving plan sponsors with tailored solutions and a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Bernard Pigott is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His previous work includes roles at Bank of America and ownership of a Fit Body Boot Camp franchise. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, and various institutional investors.

Thomas Hall is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2013, also working with JPMorgan Chase Bank since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with market-facing registrations and offers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Annu Mccarthy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. Her prior roles include positions at Merrill, LPL Financial, LLC, and IBEX Wealth Advisors. 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 incorporates a broader range of financial products than typical for large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Margot O'Neill is a financial advisor at Merrill with 44 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Merrill since 1979. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies supported by Bank of America’s broader corporate platform.

Michael Fisher is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2003. In his role, he manages the investment side of the business by implementing the wealth management process, analyzing client accounts, conducting investment manager reviews, and preparing customized proposals and portfolio reviews. Michael provides traditional financial advice and guidance, helping clients pursue their investment objectives through a variety of Merrill or approved third-party investment strategies, funds, and portfolios. His areas of expertise include equity compensation services, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Michael holds FINRA Series 7 and 66 registrations, Life and Health insurance licenses, and the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in marketing management from the Pamplin School of Business at Virginia Polytechnic Institute and State University. Michael lives in Brielle, New Jersey, with his wife Stephanie and their two children, Mason and Kyra. Outside of work, he enjoys adventure sports such as surfing, snowboarding, skiing, hiking, and fishing, as well as spending time boating and traveling. He is involved in community activities through his volunteer work with the Surfrider Foundation, a nonprofit dedicated to protecting oceans, waves, and beaches.

Bimal Gupta is a financial advisor with Ameriprise in Summit, NJ, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. Prior to joining Ameriprise in 2022, he worked at Avantax Investment Services and has been involved with Parsippany Tax and Accounting Corporation since 2010, where he operates a CPA accounting and tax practice. He serves on the board of the Northeast Society for Education and Learning and participates on the advisory board of Citizens Bank. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service, which provides tailored retirement income planning through a collaborative, non-discretionary approach supported by research and algorithmic analysis.

Bela Patel is a financial advisor with Merrill in Short Hills, NJ, holding a Series 66 license and 29 years of industry experience. He has worked at Merrill since 1995. Patel is a co-owner of a family investment-related business based in Jersey City, New Jersey. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

John Cicmansky is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He specializes in building customized financial plans that prioritize the personal and financial needs of his clients and their families. His approach involves collaborating closely with clients to determine investment decision preferences and to simplify their financial lives. Prior to his current position, John worked as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2011 to 2022. He also served as a Registered Representative at AXA Advisors LLC in 2010. He holds a California Insurance License. Outside of his professional work, John enjoys camping, golf, kayaking, skiing, softball, and volunteering.

Justin Winkelman is a financial advisor with Mass Mutual Investors Services in Warren, NJ. He holds Series 65 and Series 63 licenses and has five years of industry experience. His prior work includes roles at Mutual of Omaha Investor Services, H. Beck Inc./Grove Point Investments, and AXA/Equitable Advisors. Winkelman has experience in the restaurant industry, having worked at Krave Restaurant and Kroghs Restaurant and Brew Pub. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Roopesh Amin is a financial advisor with Morgan Stanley in Short Hills, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Joseph Cataldo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Prior to joining Raymond James in 2019, he worked at Morgan Stanley for 11 years. He is also the owner of Iron Ridge Wealth Management Group, a support company based in Basking Ridge, NJ. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting through various advisory programs and collaborates with clients to develop tailored financial plans using asset allocation analysis and firm research.