Shazia Punjwani is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several SunTrust entities prior to joining Merrill in 2020. 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, and institutional investors.

Anthony Nettuno is a financial advisor with Cambridge Investment Research Advisors based in Milton, GA. He holds Series 63 and Series 66 licenses and has 36 years of industry experience. Prior to joining Cambridge in 2019, he worked at FSC Securities Corporation for 16 years and has operated Nettuno & Associates, Inc. since 1997. He also serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals using a variety of portfolio management strategies and platform arrangements.

Constance Collins is a financial advisor with Merrill in Alpharetta, GA, holding Series 63 and Series 66 licenses and possessing 41 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007. Merrill, along 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 strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joy Baxley is a financial advisor at Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Morgan Stanley, she worked at E*Trade Securities and held roles in education at Cherokee County School District and First Presbyterian Day School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and strategic modeling. The firm manages approximately $2.74 trillion in client assets and provides planning services through its Financial Advisors and Estate Planning Strategies Group.

Keith Delaporte is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with Primerica Advisors and Primerica Financial Services, where he has worked since 2015. His prior experience includes roles at Alpha Financial and PFS Investments Inc. Delaporte is also involved in the management and operations of investment-related products. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with approximately 3,698 advisors and $15.5 billion in assets under management, offering model-driven investment strategies supported by third-party asset managers and execution service providers.

John Nemeth is a financial advisor with Cetera in Alpharetta, GA, holding a Series 66 credential and 18 years of industry experience. He has been with Cetera and associated entities since 2014. Outside of his advisory role, he also works as a ticket taker at the Verizon Amphitheater, an outdoor music and entertainment venue. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform with discretionary and non-discretionary program options.

William Demartino is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he spent 11 years at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Jenna Sparling is a financial advisor at Morgan Stanley in Alpharetta, GA, holding a Series 66 designation with 17 years of industry experience. She previously worked at UBS Financial Services Inc. for 16 years and spent a year with RBC Capital Markets, LLC prior to joining Morgan Stanley in 2026. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Joshua Wilson is a financial advisor with Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 credentials and nine years of industry experience. His career includes roles at E*Trade Capital Management and E*Trade Securities LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

John Little IV is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. UBS Financial Services serves individual, corporate, and institutional clients, offering a range of brokerage and investment advisory services including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and various capital markets services.

Phillip Graham is a financial advisor with Cetera, holding a Series 63 designation and 28 years of industry experience. His career includes roles at Avantax Insurance Agency LLC, Avantax Investment Services, INC., and his own practice, Phillip Graham & Associates, P.C., where he has served as a CPA. He is also involved as treasurer of Cornerstone Community Church, overseeing its financial activities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement various investment strategies through affiliated and third-party managers, supporting discretionary and non-discretionary portfolio management.

Michael Beard is a financial advisor with Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 credentials and 10 years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory role, he is involved in property management as the sole proprietor of a rental property business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Dennis Cepress is a financial advisor with Edward Jones in Kennesaw, GA. He holds the CFP® designation and Series 66 license and has 12 years of industry experience, including 13 years with Edward Jones. Outside of advising, he manages a rental property in Trenton, OH. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Thomas Luptowski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He helps individuals and families pursue their financial goals through personalized wealth management strategies. His approach begins with understanding each client's full financial picture and objectives, enabling him to tailor flexible strategies that adapt to changing market conditions. He also provides clients access to Merrill's investment insights and the banking and lending solutions of Bank of America. Thomas’s expertise includes personal retirement planning, portfolio management services, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Master’s Degree from Loyola University Chicago and a Bachelor’s Degree from Eastern Michigan University. Outside of his professional work, Thomas enjoys baseball, basketball, football, hiking, and spending time with his family.

Olivia Farrugia is a Planning Consultant who focuses on helping clients build toward financial independence by developing confidence in their financial plans. She begins her process by understanding what matters most to her clients and presenting the possibilities to make informed financial decisions together. Olivia has experience working with Fidelity Investments, where she served as a Financial Representative from 2023 to 2025 and then as a Relationship Manager from 2025 to 2026. Her personal interests include cooking and baking, family activities, parenthood, photography, reading, and traveling.

Kaylene Seelos is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and E*Trade Securities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios drawn from mutual funds, ETFs, and ETPs.

Michael Lynch is a financial advisor at Merrill with 13 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. Lynch serves as a finance committee member and advisory board member for the charitable organization Skate Like a Girl. 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, and institutional investors.

Gregory Wade is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial product options than many peers.

Aaron Newton is a Planning Consultant at Fidelity Investments, a role he has held since 2022. In this position, he works with clients to create, implement, and monitor financial plans tailored to their individual needs. With four years of experience in the financial advisory field, Aaron focuses on developing personalized strategies through one-on-one client relationships. His expertise centers on understanding clients' financial goals and assisting them in navigating their financial planning journey. Aaron brings a practical approach to financial consulting, emphasizing consistent collaboration and monitoring to adapt plans as needed. Outside of his professional work, Aaron has interests in baseball, cars, comedy, golf, and soccer.

Johnathan Etherly is a financial advisor with Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Morgan Stanley, he worked at E*TRADE Securities LLC and maintains a long-term role at Ingles Markets Inc. outside the financial industry. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment research.