Elena Candu is a Planning Consultant at Fidelity Investments, where she has been working since 2016. In her current role, she focuses on maintaining clear and proactive communication with clients, aiming to understand their goals, priorities, and circumstances to ensure their financial plans align with what matters most to them. Elena's experience at Fidelity Investments spans several roles, including Workplace Planning Consultant I and II, as well as High Net Worth Associate. This progression reflects her continued involvement in financial planning and client services within the company. No further information about Elena's education, credentials, personal interests, or community involvement has been provided.

Susan Spangenberg is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has worked at various Fidelity entities since 2005, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and it serves in advisory roles to multiple registered investment companies.

Hunter Herschell is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has three years of industry experience and has been with MassMutual and its subsidiary, MML Investors Services LLC, since 2022. Outside of his advisory role, he is also a licensed insurance agent. MML Investors Services, LLC provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, employing firm-approved analytical tools to support goal-oriented planning.

Zachary O Connor is a financial advisor with J.P. Morgan Securities in Philadelphia, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Equitable Advisors and JPMorgan Chase Bank, N.A. Outside of finance, he has been involved with Oak Visuals, LLC since 2019. J.P. Morgan Securities 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Cindy Garrity is a financial advisor with LPL Enterprise in Newark, DE, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has worked at UBS Financial Services, Bank of America N.A., Merrill, and Citizens Securities Inc. prior to joining LPL. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program.

David Rakow is a CFP®-certified financial advisor with Edward Jones in Chadds Ford, PA, and has 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services, operating under a fiduciary standard.

Robert Lank Jr. is a financial advisor at OSAIC with 26 years of industry experience. He holds the PFS™ designation and Series 66 license. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors for 13 years and has been a partner at Lank Johnson & Tull CPAs since 1985. In addition to his advisory work, he serves as an executor of an estate and as a trustee for a revocable trust. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, utilizing asset-allocation tools and automated rebalancing across a wide range of investment products.

Nicole Morganheira is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. Outside of her advisory role, she assists with event coordination at Bevisionaryevents.com. 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, pension plans, corporations, and charitable organizations.

Larry Murphy is a financial advisor with Wells Fargo Advisors in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at various Wells Fargo entities since 2009 and owns Murphy Wealth Management, an independent investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions with a broad range of financial planning and investment services tailored to clients meeting specific net-worth thresholds.

Peter Wong is Vice President and Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2023. He collaborates with clients to develop wealth strategies aimed at managing, protecting, and distributing assets to beneficiaries and causes that matter to them. Peter has extensive experience in financial services, with a career spanning roles such as Vice President, Financial Consultant at Fidelity Investments from 2015 to 2023, Regional Brokerage Consultant from 2011 to 2015, and Active Trader Consultant from 2008 to 2011. Prior to joining Fidelity, he held positions including Vice President, Equity Trader at Canaccord Adams and various equity trading roles dating back to 1994. He holds a California insurance license. Outside of his professional work, Peter enjoys attending concerts, participating in family activities, exploring culinary interests, golf, skiing, and traveling.

Joseph Connelly is a financial advisor with Wells Fargo Clearing in Newtown Square, PA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent one year at Pacer Financial, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Profit is a financial advisor with Mass Mutual Investors Services in New Castle, Delaware, holding Series 63 and Series 65 licenses with nine years of industry experience. He has worked at MML Investors Services since 2017 and at MassMutual since 2016. Outside of his advisory role, he owns and operates The Profit Company, a consulting business in the textile and apparel industry. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to deliver goal-based planning and offers event-driven planning services such as divorce and estate-settlement planning.

Elizabeth Hilgen is a financial advisor at Equitable Advisors with Series 63 and Series 66 licenses and one year of industry experience. Her prior work includes roles at Old York Cellars and Madison Square Garden, as well as time studying at Pennsylvania State University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes matching clients to appropriate program models or discretionary managers, often utilizing third-party advisory platforms.

Michael Orth is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2018. Orth also serves in the Delaware Air National Guard as a Maintenance Management Production Craftsman and has prior experience in construction and at the University of Delaware. He is a co-owner of Family First Legacy LLC, a real estate business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Eric Reynolds is a financial advisor with Edward Jones in Newark, DE, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions, supported by a nationwide network of over 23,700 financial advisors.

Nicole Fean is the Vice President and Branch Leader at Fidelity Investments, a role she has held since 2024. Prior to this position, she served as a Branch Leader at Fidelity from 2022 to 2024. Nicole's professional experience includes various leadership and consulting roles in the financial services industry, beginning as an Intern at Scottrade, Inc. in 2010 and progressing through positions such as Investment Consultant and Branch Manager at Scottrade, Inc., as well as Branch Manager and Senior Financial Consultant at TD Ameritrade. Throughout her career, Nicole has focused on coaching her team to deliver excellent client experiences through holistic financial planning aimed at helping clients achieve their financial goals. Her background reflects a commitment to leadership and client service within the investment and financial consulting sectors. Outside of her professional life, Nicole enjoys family activities, fitness, horseback riding, outdoor adventures, skiing, and traveling.

Ihor Zbyshko is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at Wells Fargo NA, Citizens Securities, Inc., and Citizens Bank. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Lisa Rydzefski is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 38 years of industry experience. She previously worked at MetLife Resources for 11 years and has been with MassMutual Life Insurance Company since 2016. In addition to her advisory role, she is an insurance agent specializing in life insurance and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative goal analysis and written recommendations tailored to client needs.

James Morris is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and five years of industry experience. His work history includes roles at Elwyn Inc. and Primerica Financial Services. Outside of advisory services, he is involved in sales of loan products and home security and automation referrals through Primerica-affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and selectively managed accounts primarily to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses a tiered percentage-based fee model for its services.

Silya Filo is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses. She has one year of industry experience and has previously worked at Truist Bank, PNC Bank, and Wells Fargo Bank. Outside of finance, she has been involved with Goldey-Beacom College for several years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.