Darren Direnzo is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has prior work experience at WSFS Bank and James Madison University. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce planning and estate settlement assistance.

Bryan Cheeseman is a CFP®-certified financial advisor with Ameriprise, based in Thornton, PA, and has 24 years of industry experience. He has been with Ameriprise and its affiliate since 2016. Outside of his advisory role, he is involved with the U.S. Naval Academy Alumni Association and Foundation and participates in a Veterans Capital Markets Career Forum to support veterans exploring careers in finance. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports, primarily for clients maintaining assets in Ameriprise Managed Accounts.

Joshua Jenkins is a financial advisor with Mass Mutual Investors Services in Kennett Square, PA, holding a ChFC® designation and Series 63 and 65 licenses. He has 13 years of industry experience and has been with MML Investors Services since 2015. Outside of his advisory role, Jenkins is a managing partner of a short-term vacation rental business and is involved in insurance brokerage services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without discretionary investment authority.

James Smith is a Series 66-licensed financial advisor with Morgan Stanley, based in Greenville, DE, with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Andrew Baker is a financial advisor with Cetera and holds the CFP® and ChFC® designations as well as a Series 66 license. He has 14 years of industry experience, including prior roles at Securian Financial Services Inc. and Minnesota Life Insurance Co. Baker is also an author and conducts a side business buying and selling sports trading cards on eBay. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Michael Connelly is a financial advisor with Wells Fargo Clearing in Newtown Square, PA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he owns an ancillary investment group based in Newtown Square. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics to support diversified investment approaches and offers both brokerage and advisory solutions.

Elise Laskas is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is a partner at Big Barn Records, a media production business, and serves on the finance committee of the YWCA in West Chester, providing financial advice. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Peter Zonino is a financial advisor with Mass Mutual Investors Services in Newtown Square, PA. He holds a Series 63 designation and has 40 years of industry experience. His prior work includes roles at Metlife Securities Inc., New England Securities, and The Travelers. He also works as an agent specializing in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-based financial planning supported by firm-approved tools and offers various event-driven and educational programs.

Nathan Leo is a financial advisor with LPL Enterprise based in Newark, DE, holding a Series 66 credential and five years of industry experience. Prior to joining LPL Enterprise in 2024, he worked with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advising, he is an active member of the IATSE Local 52 union. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

David Forman is a financial advisor with Morgan Stanley in Greenville, DE, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley since 2013 in various roles. Outside of his advisory work, he is a partner at Forman and Berkowitz LLC, a real estate-related business based in Baltimore. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools but generally acts in an advisory capacity without providing individual security recommendations in standalone planning.

Kevin Connelly is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Distributors. 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 modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Michael Rifkin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools such as Monte Carlo simulations and the Global Investment Committee’s Secular Return Estimates in its process.

Annelise Chayka is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at Lincoln Financial Advisors and Capital One advisors. She also serves as an executor for an estate in a fiduciary capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a wide network of over 22,800 advisors.

Vincent Gulotti III is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses and 19 years of industry experience. He joined Wells Fargo Advisors Financial Network LLC in 2020, following roles at Chatham Bay Group and Grace Inspired Ministries. Gulotti is also involved in investment-related business activities through partial ownership in multiple investment advisory firms in Wilmington, DE. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with optional implementation through brokerage or advisory programs.

Gilbert Scarborough IV is a financial advisor with Wells Fargo Clearing in Wilmington, DE, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior experience includes nine years at J.P. Morgan Chase Bank and over a decade managing his own investment entities. He also serves as a trustee on a family trust account. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Jennifer Sheppard is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2004, with prior roles at Morgan Stanley and Citigroup Global Markets. Outside of her advisory work, she assists with bookkeeping for a family-held trucking company. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Giles is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2021. Her prior work history includes roles at Hays Talent Solutions and time spent in homemaking. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Carl Meister III is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and 32 years of industry experience. Prior to joining Ameriprise, he worked at Morgan Stanley and Citigroup Global Markets. Outside of his advisory role, he co-owns a horse farm and serves as secretary on the board of the Pennsylvania Hunt Cup Committee, as well as working as a steeplechase race announcer. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service that provides written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Scott Chapin is a financial advisor with OSAIC, holding a Series 66 designation and 24 years of industry experience. He has worked at several firms, including Woodbury Financial Services, First Allied Advisory Services, LPL Financial, and Mutual Service Corporation. Outside of his advisory role, he owns The Chapin Group, a sole proprietorship that occasionally assists clients with insurance needs. OSAIC Wealth serves a diverse group of clients, including retail investors, retirement plan sponsors, charities, and corporate entities, offering a variety of brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supported by multiple custodial and program arrangements.

Alexander Stewart is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and seven years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2019. Stewart’s background also includes four years at Saint Joseph's University and Familetti Contractors. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning using firm-approved analytical tools.