Melissa Levine is a CFP® professional with 39 years of experience in financial services. She is currently affiliated with Cetera and has held roles at Voya Financial Advisors, Melissa Levine & Co, and PLAN4GOALS. Outside of her advisory work, Levine is a sales associate for essential oils and operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse investment management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary strategies.

Tivan Szigethy is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at TIAA-CREF and Wells Fargo NA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Pioli is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, emphasizing an advisory approach without providing individual security recommendations in standalone plans.

Christine Maushardt is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. She has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. She operates WATERSEDGE WEALTH MANAGEMENT as a business related to her work with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of advisory services through a large network of independent advisors.

India Bowser is a financial advisor at Morgan Stanley with seven years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Bank of America, Merrill, and JPMorgan Securities LLC. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer Corporate Financial Planning agreements.

Brett Rivera is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2023. His prior experience includes roles at Allocation Resource Group and John Herbert Company, as well as four years at The Pennsylvania State University. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Peri Butterworth is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, she held positions at That's Nice LLC, Fordham University, BioLabs, Proctor Academy, and Dunkin Donuts. 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 employs a structured planning process supported by firm-approved tools and market analysis.

Isaiah Massa is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Morgan Stanley, he worked at Garnet Health Medical Center and has also been involved with City Winery since 2020. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and approved tools but does not include individual security recommendations as part of its standalone planning offerings.

Victor Melendez is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate since 2016. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual written recommendation reports, utilizing algorithmic automation overseen by a dedicated retirement income team.

Alissa Whittemore is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2016 and Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analyses.

Richard Harnett Jr. is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Kimberly Bucello is a financial advisor with Morgan Stanley in Ramsey, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Daryl Helsing is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley and its affiliated entities since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Lewis Mc Gill is a financial advisor at Morgan Stanley with one year of industry experience. He previously worked at Tarkenton Financial and has experience in education from his time at Auburn University and The Westminster Schools. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Don Mathieson is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Outside of advising, he is involved in providing group health insurance, long-term care insurance, and life insurance renewals through a separate business activity. Cetera is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs, operating a multi-manager platform that supports various discretionary and non-discretionary strategies.

Joseph Centra is a financial advisor with LPL Financial, holding a Series 63 designation and 37 years of industry experience. He previously worked at H. Beck, Inc. for 26 years and co-founded Grove Point Investments, LLC and Grove Point Advisors, LLC. Outside of his advisory work, he is involved with Allocation Resource Group, LLC, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services supported by both discretionary and non-discretionary management and extensive research resources.

Mark Carruthers is a Certified Financial Planner (CFP®) with 29 years of industry experience. He has been affiliated with Cetera and Cetera Financial Specialists LLC since 2005 and has operated Hudson Valley Financial Services since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Tomomi Trudell is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds Series 66 and Series 63 credentials and has worked with J.P. Morgan Securities since 2012 and J.P. Morgan Chase Bank, N.A. since 2009. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment process.

Anastasija Majauskas is a financial advisor at Morgan Stanley with two years of industry experience. She holds the Series 63 and Series 66 licenses. Her prior experience includes work at Cognizant Softvision and iMG Development LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its clients’ financial plans.

Scott Lanz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.