Eleni Liakakis is a CFP® with 17 years of experience in the financial services industry. She has worked at Cetera and its affiliated entities since 2019, and previously spent nine years at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of investment program options and third-party managers.

Paul Bentubo Jr. is a Series 66-registered financial advisor at Fidelity with two years of industry experience. His prior roles include positions at Northwestern Mutual and O'Neill and Associates. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and funds.

Jason Tholander is a financial advisor with Raymond James Financial, holding a Series 66 license and 25 years of industry experience. He has been with Raymond James Financial Services Advisors since 2016. Outside of his advisory role, he manages a property used as a branch office and is involved in supporting related business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

John Carroll is a CFP®-certified financial advisor with 34 years of industry experience, currently with Wells Fargo Advisors since 2024. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2013 to 2024. Outside of his advisory role, he has ownership interests in two investment-related businesses, The B C D Group LLC and JHC Financial Inc. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services and using firm research and tools to develop tailored recommendations.

Daniel Miller is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. He has worked at Ameriprise since 2018 and previously spent a decade at Investment Professionals, Inc. His other business activities include involvement in commercial real estate ownership. Ameriprise offers a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Rama Yarram is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Citizens Securities, Inc. and Citizens Bank. Outside of advisory work, he is employed at Michaels Store in a customer service and cashier role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional accounts.

Sean Tesoro is a financial advisor with LPL Financial in Reading, MA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory work, Tesoro serves as an assistant swim coach for Reading Memorial High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Joseph Travaglini is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, as part of its advisory services.

Nicholas Latham is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and four years of industry experience. His prior firms include The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform combining advisory and brokerage capabilities.

Jocelyn Hawkins is a Financial Consultant at Fidelity Investments, a role she has held since 2020. She partners with clients to develop financial plans that reflect their personal needs, preferences, and beliefs, focusing on holistic financial planning and building relationships based on trust and transparency. Her goal is to implement investment plans that provide clients with increased confidence in their financial futures. Her professional experience at Fidelity Investments includes roles as an Investment Consultant in 2019, a Relationship Manager from 2018 to 2019, and a Financial Representative from 2016 to 2018. This progression demonstrates her continued commitment to serving clients' financial needs within the firm.

Randal Peters is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, with 33 years of industry experience. He has a background in accounting and tax services, operating R. C. Peters, CPA Tax & Financial Services, Inc. since 2010, though the corporation is now inactive and used to collect fees related to prior client sales. Peters also served for over a decade at Avantax Insurance Agency and Avantax Investment Services. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform that serves individual, corporate, charitable, and institutional clients through a broad range of portfolio management and consulting services. The firm offers both discretionary and non-discretionary investment solutions with access to affiliated and third-party managers across various program structures.

Paul Lysan is a CFA charterholder with 39 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Centaurus Financial, Inc. He also owns and manages Lysan & Young Tax Preparation LLC and provides tax services as a CPA. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm provides access to proprietary and third-party investment strategies across multiple platforms with both discretionary and non-discretionary options.

Medina Avdic is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining J.P. Morgan in 2026, Medina worked at Fidelity Investments and has experience in the hospitality sector. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Travis Tucker is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Raymond James and Steward Partners. Outside of financial advising, he is the owner of an online retail business, James Aesthetics LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment program options and third-party managers.

Stacy Bazylinski is a CFP®-designated financial advisor with 19 years of industry experience, currently affiliated with Cetera. Her prior work history includes roles at Steward Partners Investment Advisory and Raymond James Financial Services. She serves as a board member for the Pillsbury Foundation and organizes a nonprofit 5K road race in memory of her mother. Cetera Investment Advisers LLC provides investment advisory services through a large nationwide network, serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Ryan is a CFP® with 21 years of experience in the financial services industry. He currently works at OSAIC, where he has been employed since 2018, following a 13-year tenure at Signator Investors, Inc. In addition to his advisory role, he holds a position as an independent insurance agent focusing on fixed insurance products. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that include a variety of investment types, with options for discretionary and non-discretionary account management.

Judy Carryl Young is a financial advisor at Ameriprise with 26 years of industry experience. She has been with Ameriprise and its predecessor entity since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Segreve is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Fortis Investors, Inc. since 1992. Outside of his advisory role, he serves as president of two insurance-related companies, Segreve & Hall Insurance Associates and Compass Financial Service Group Inc., which focus on property and casualty as well as life and disability insurance. OSAIC serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a wide range of investment types.

Lawrence Faretta is a CFP® with 40 years of industry experience, currently serving at LPL Financial since 2025. His prior experience includes StoneX Securities Inc, Trust Advisory Group Ltd, and AGES Financial Services, Ltd, where he held roles spanning several decades. In addition to his advisory work, he is involved with Summer Street Financial, focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing proprietary and third-party research and technology-driven portfolio management strategies.

Steven Rudnyai is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera since 2016, including its affiliated entities. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.