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, holding Series 65 and Series 63 licenses and five years of industry experience. His career includes roles at MML Investors Services, MassMutual Life Insurance Company, Mutual of Omaha Investor Services, and H. Beck Inc./Grove Point Investments. Outside of advising, he is also active as an insurance broker with Integrous Financial LLC, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services 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 uses detailed client data and firm-approved analytical tools to deliver written recommendations, emphasizing collaborative, ongoing financial planning relationships.

Nikhilesh Machan is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His career history includes roles at Bank of America, Bank of America Merrill Lynch, and Ernst & Young, as well as academic positions at Rutgers University. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frank Mastrosimone is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 49 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Royal Alliance Associates, Inc. Outside of advising, he occasionally assists his wife with her real estate transactions through Weichert Realtors. 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 access to third-party asset managers, financial planning, and various affiliated financial services.

Ryan Welsch is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and Shapiro Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide network of advisors and affiliated firms.

Mark Rodrick is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 credentials and 32 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously at Morgan Stanley from 2016 to 2019. Rodrick has a 50% ownership in MRFJ Capital, a separate investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and planning tools to develop customized recommendations.

Samuel Santiago is a Senior Financial Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services tailored to corporate executives, business owners, and their families. With over two decades of experience in the financial services industry, Samuel joined Merrill Lynch Wealth Management in 1999. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and non-qualified deferred compensation plans. He assists corporate executives in integrating these benefits into a long-term financial strategy. Samuel emphasizes a comprehensive approach to wealth management that starts with understanding each client's individual goals. He also focuses on uncovering behavioral finance tendencies to better support clients in achieving their financial objectives. Samuel holds a Personal Investment Advisor (PIA) designation and has completed a non-accredited certificate program at Middlesex County College. Outside of work, his personal interests include adventure sports, biking, hiking, music, reading, running, spending time with his family, traveling, watching movies, and woodworking.

Farah Kazmi serves as a Wealth Management Advisor, providing financial guidance and strategies tailored to meet her clients’ distinct financial situations and goals. She works within Merrill Lynch Wealth Management, leveraging the firm’s broad investment insights and banking resources to support entrepreneurs, business owners, and individual clients in achieving their objectives. While specific details on Farah’s professional background, education, and credentials are not provided, her role focuses on delivering customized financial advice by understanding clients’ preferences, time horizons, liquidity needs, and risk tolerance. She follows a consultative approach, regularly engaging with clients to keep financial strategies current and aligned with their evolving goals. No information regarding Farah Kazmi’s personal interests or community involvement is available.

Robert Dudek is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of financial services including college education planning, equity compensation services, family wealth management strategies, and retirement income planning. Robert applies his professional experience to individual and corporate investment strategy, portfolio management, and liquidity management. With over 20 years of experience, Robert has a background in financial, management, operational, sales, marketing, training, and e-business knowledge. His approach focuses on Total Asset Management, assessing clients' current financial situations and developing strategic plans to help them reach their future goals. He holds a Personal Investment Advisor (PIA) designation and a Bachelor's degree from Fairleigh Dickinson University. Additionally, he completed a Certificate of Professional Development focused in Strategy from the University of Pennsylvania. Outside of his professional role, Robert is involved in the Montgomery Youth Sports Leagues and enjoys various personal interests including baseball, basketball, cooking, football, golfing, swimming, traveling, and spending time with his family.

Maychl Agaybi is a financial advisor with LPL Enterprise LLC holding a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise, Agaybi has held roles in retail and other sectors including JD Sports and Big Lots. He is also involved in a non-variable insurance agency outside of his advisory duties. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Melissa Farfan is a financial advisor with LPL Enterprise, LLC, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Foresters Financial Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a broad network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Kyle Lustenberger is a financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he and his wife own and manage a personal vacation home in Rancho Mirage, California. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Susan Sandman is a financial advisor with Ameriprise in Somerville, NJ, holding a Series 66 designation and with 24 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

James Ramentol is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology and a broad non-advisory financial services platform.

John Hanson is a Series 66 licensed financial advisor with nine years of industry experience, currently with UBS Financial Services since 2019. Prior to UBS, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. Outside of his advisory work, he serves on the board of Rigging Consultants, Inc., a privately held company specializing in suspended scaffolding rental and sales. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, blending institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Timothy Kenyon is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 41 years of industry experience. He previously worked at Triad Advisors, GWN Securities, IC Advisory Services, Securities America Advisors, and Brecek & Young Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Merry Scala is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 38 years of industry experience. Her prior roles include positions at CUNA Brokerage Services Inc., CUNA Mutual Group, and CUSO Financial Services, L.P. She dedicates significant time to PenFed Wealth Management, a related investment activity. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by both proprietary research and third-party subadvisors.

Mario Livecchi is a financial advisor at Osaic with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Securities America Advisors, Investacorp Advisory Services, Wells Fargo Clearing, and Ameriprise. In addition to his advisory role, Livecchi is a financial executive at Princeton Investment Services, where he is involved in fixed insurance activities. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools, and is notable for its scale, complex affiliate network, and private-equity ownership.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.

David Grazi is a financial advisor with Mass Mutual Investors Services in Iselin, NJ, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining Mass Mutual Investors Services in 2020, he worked at MassMutual Life Insurance Co and gained experience in business consulting and strategic advisory for companies and entrepreneurs outside the financial sector. He also engages in life insurance sales as an independent agent. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with comprehensive financial planning, asset management, and educational services.