Knetia Herrera is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at JP Morgan Chase Bank and Capital One Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved planning tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Lori Gagliano is a financial advisor with Merrill in Summit, New Jersey, holding a Series 66 designation and over 43 years of industry experience. She has been with Merrill since 1983. Outside of her advisory role, she serves as a co-trustee of The McCue Family Trust. 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 a range of clients including individuals, high-net-worth investors, and organizations.

James Galipean is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has been with Equitable Advisors since 2026. Outside of his advisory role, he has experience as a caregiver and has worked in education at Kean University and Middlesex County College, as well as in the food service industry with Magliones Italian Ice. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes various program models and third-party asset managers, offering a range of investment options including mutual funds, ETFs, and alternative investments.

Anthony De Angelo is a financial advisor with Ameriprise in Cranford, NJ, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He previously worked at Equitable Advisors and Axa Advisors, LLC. Outside of his advisory work, he is co-founder of Teddy Atlas Coaching, a personal development and business coaching company where he manages content, sales, and project teams. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Mary Garcia is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2017. Prior to that, she was with Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated from 2008 to 2017. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristine O’Keefe is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 65 licenses. She has 19 years of industry experience, including over a decade with JPMorgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Peter Shaker is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at OSAIC, Martin Insurance Group, Brown & Brown, and AXA Advisors, as well as time as a self-employed advisor. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a combination of firm-offered and third-party advisory solutions.

Thomas Forde is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at J.P. Morgan Securities since 2021 and concurrently at JPMorgan Chase Bank, N.A. since 2019. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Bank, N.A. 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. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering non-discretionary investment programs supported by a centralized due-diligence process.

Lawrence Hau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and bringing 29 years of industry experience. He previously worked at J.P. Morgan Securities for eight years before joining Wells Fargo in 2022. Outside of his advisory work, Hau manages investment-related rental properties and serves as a power of attorney for investment matters. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines in-house research and external analytics to support diversified portfolio construction and offers a broad range of brokerage and advisory solutions.

Stephen Joswick is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. His background includes roles at Northwestern Mutual and a brief position in retail outside financial services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs.

Darraugh Valli is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2024 and has been involved with Family Investors Company since 2000 as an owner. He serves as a board member of the Silver Beach Association and is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals using a variety of proprietary and third-party strategies across multiple platforms.

Robert Muhleisen is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding Series 63 and Series 65 credentials and over 42 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Prudential Equity Group. He is also involved with RJM Investment Management and Planning LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing Wells Fargo research and tools to develop tailored recommendations for clients who meet specified net-worth thresholds.

Darren Marcantuone is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. He has been helping clients navigate their financial lives since 1996 and joined Merrill Lynch in August 2006. In his role, Darren works closely with clients to pursue their goals through personalized investment strategies, designing and managing customized portfolios from both Merrill-managed solutions and third-party investment options. When appropriate, he manages these strategies on a discretionary basis through the firm's Investment Advisory Program. Darren holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Certified Plan Fiduciary Advisor® (CPFA®) designation. He earned his Bachelor of Science in Business Administration from Fairleigh Dickinson University in Florham Park, New Jersey, with a minor in Entrepreneurial Studies. He is experienced in working with individuals and families during financial transitions, assisting with retirement planning, legacy considerations, and collaborating with estate planning attorneys to align financial strategies with long-term goals. Outside of his professional work, Darren lives in New Providence, New Jersey, with his wife, Diana, their sons Jason and Ethan, and their family pet, Percy. His personal interests include cooking, fishing, gardening, golfing, photography, pickleball, softball, and spending time with his family.

Juan Leon Ruiz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. He has worked at Wells Fargo Clearing since 2018 and has been with Wells Fargo Bank, N.A. since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, serving plan sponsors with tailored solutions and a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Leonardo Urena Guzman is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes positions at Bank of America, Market Securities LLC, Petco, and teaching roles at Middlebury College and Cresskill High School. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrea Spatola is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she assists clients in managing their financial assets and planning for various financial goals, including home buying, education savings, and retirement planning. She emphasizes listening to her clients and prioritizing their needs to develop and implement effective financial plans. With over 20 years of experience in the financial services industry, Andrea has held several roles including Financial Advisor at Morgan Stanley and Prudential Financial, Senior Investment Analyst for the United States Steel and Carnegie Pension Fund, and Equity Analyst positions at Tupelo Capital Management, Credit Suisse First Boston, Deutsche Bank, and PaineWebber. Andrea holds a California Insurance License.

Bernard Pigott is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America and Merrill, as well as owning a Fit Body Boot Camp franchise and operating Pigott Consulting. 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.

Thomas Hall is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2013, also working with JPMorgan Chase Bank since 2011. 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. The firm combines large institutional advisory operations with market-facing registrations and offers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Annu Mccarthy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 24 years of industry experience. She has previously worked at Merrill, LPL Financial, LLC, and IBEX Wealth Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research-driven approaches based on diversification and modern portfolio theory.

Margot O'Neill is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and bringing 44 years of industry experience. She has been with Merrill since 1979. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.