Joseph Pagliarulo is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2014, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant before assuming his current position in 2016. In his role, Joseph partners with clients to develop plans aimed at accumulating, protecting, and distributing wealth. His approach emphasizes collaboration and aligns with his business beliefs and values centered on helping clients achieve financial freedom.

David Helfrich is a financial advisor with Cetera, holding a Series 63 license and bringing 33 years of industry experience. His prior roles include positions at Securian Financial Services and Minnesota Life Insurance Company. Outside of finance, he is involved as a coach and referee at Helf's Hitting Academy. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services across various program structures and investment approaches.

Stephen Stemple is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 32 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has previous experience at MSI Financial Services, Inc. He is also involved in estate planning and asset protection through ownership of Stemple Family Associated LP. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides a range of planning programs and educational seminars while focusing on collaborative, goal-oriented planning engagements.

Wilson Adubasim is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing three years of industry experience. His work history includes roles at JPMorgan Chase Bank, Equitable Financial Life Insurance Co., and Equitable Advisors, as well as involvement with South Valley BBQ & Lounge. He has also held positions at Rutgers University in various capacities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Ryan Hunt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Morgan Stanley and LPL Financial. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Matthew Troncellito is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2021. He specializes in supporting high-net-worth clients and their families with retirement planning, investment strategy, principal and income protection, and estate planning considerations. Matthew brings over 20 years of experience in the financial services industry, including 15 years at Fidelity in various roles. His professional background includes positions at AXA Advisors, LLC as a Certified Financial Planning Professional, and at Wells Fargo Advisors as a Financial Advisor. Matthew holds a Bachelor of Science degree in Economics and maintains a California insurance license. Prior to his financial career, he was a collegiate athlete and served in the Navy. Outside of his professional work, Matthew enjoys outdoor activities such as boating, beach outings, skiing, snowmobiling, and gardening.

James Cha is a financial advisor with Ameriprise, holding the CFP® designation along with Series 63, 65, and 66 licenses. He has 27 years of industry experience, including roles at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2018. Ameriprise provides retirement-income planning services primarily to individuals with significant investable assets, offering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver its advisory services within a large institutional platform.

James Egan is a financial advisor at Merrill with 37 years of industry experience. He has been with Merrill since 2007 and holds a Series 63 designation. Outside of his advisory role, he serves as an assistant varsity lacrosse coach at Glen Rock High School. 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Scott Olson is a financial advisor at Fidelity with nine years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at New York Life, Nylife Securities LLC, and PRUCO Securities, LLC. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a broad range of investment products, including model portfolios and fund advisory services.

Scott Murnick is a CFP® professional with four years of industry experience, currently associated with Cetera. His prior roles include positions at IQVIA and the University of Miami. He also operates Murnick Financial Group, a financial services business. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a wide range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and affiliated partnerships.

Paul Renfro is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1995 following his graduation from the University at Buffalo (SUNY) where he earned degrees in International Business and Economics. Paul specializes in areas such as family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, special needs planning strategies, sports and entertainment, tax minimization, and retirement income. He holds several professional designations, including Certified Investment Management Analyst (CIMA®) awarded by the Investments & Wealth Institute® in conjunction with The Wharton School of Business, and Certified Financial Planner (CFP®) certification from the Certified Financial Planner Board of Standards, Inc. Other credentials he holds include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Paul is a member of the National Association of Eagle Scouts. In addition to his professional work, Paul has served on the boards of charitable and non-profit organizations in New York and New Jersey, including serving as a trustee for the Bruce E. Vivino Foundation. His personal interests include chess, golfing, reading, running, and skiing.

Dipti Rath is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Securian Financial Services. Rath is also an agent/broker engaged in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Ronald Carr Jr. is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding CFP® and ChFC® designations and over 42 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Carr serves as a trustee for multiple irrevocable life insurance trusts and is a board member of The Village School, a private Montessori school operating as a 501(c)(3) organization. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap programs, money-manager programs, and educational seminars, structuring financial planning engagements as annual, collaborative relationships without discretionary investment authority.

Cody Kritzer is the Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2015. In his current role, he collaborates with clients to develop personalized financial strategies that align with their values, priorities, and long-term objectives. He leverages the firm's resources to provide guidance and support across various stages of his clients' financial lives, including wealth building, navigating change, and retirement preparation. Prior to his current position, Cody served as a Financial Consultant and Investment Consultant at Fidelity Investments, gaining extensive experience in investment and financial advisory services. Before joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2009 to 2014. His professional background reflects a consistent focus on helping clients make informed financial decisions. Outside of his professional life, Cody engages in family activities, outdoor adventures, and social events. He is also interested in food and values parenthood as part of his personal interests.

Robert Azzollini is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding a Series 63 credential and over 32 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. since 1997, he has also been a partner in a group life and health insurance business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to develop collaborative, goal-oriented plans.

Chase Fabio is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has a background that includes roles in education and various business engagements. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.

Joseph Locrotondo is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 63 designations. He has 12 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he serves as Director of Basketball at St. Ann Church, where he coaches and oversees basketball teams and related administration. 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 emphasizes collaborative, annual planning engagements using firm-approved tools to analyze client goals.

Rhodora Dolores is a financial advisor at Equitable Advisors with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 1999, having previously worked with AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Linda Bentley is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 35 years of industry experience. She has worked with Cetera Advisors LLC since 2013 and is also associated with Pascarella Wealth Partners LLC, a financial services firm she has been involved with since 2000. In addition to her advisory role, she is a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kailey Van Wingerden is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has worked in various roles across education and hospitality prior to joining Ameriprise. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies to provide tailored recommendations delivered through a centralized consulting team.