Kristine O'keefe is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. She has been with J.P. Morgan in various capacities since 2013, including her current role at J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program structure.

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 designations and bringing eight years of industry experience. His work history includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining J.P. Morgan Securities in 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

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 been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2024 and has owned Family Investors Company since 2000. Valli serves as a board member of the Silver Beach Association and is also an independent insurance agent. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of Financial Professionals managing a multi-billion dollar asset base.

Robert Muhleisen is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He previously worked at Prudential Equity Group, LLC and Wells Fargo Clearing before joining Wells Fargo Advisors. Muhleisen is also involved with RJM Investment Management and Planning LLC. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing tailored recommendations supported by Wells Fargo research and planning tools. The firm serves clients who meet a net-worth threshold with a broad planning menu that includes specialized services such as business-owner transition and special-needs planning.

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.

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 with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 13 years of industry experience. He has been with J.P. Morgan Securities since 2013 and has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, with recommendations limited to eligible strategies and incorporating an ESG eligibility framework.

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.

Bimal Gupta is a financial advisor with Ameriprise in Summit, NJ, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. Prior to joining Ameriprise in 2022, he worked at Avantax Investment Services and has been involved with Parsippany Tax and Accounting Corporation since 2010, where he operates a CPA accounting and tax practice. He serves on the board of the Northeast Society for Education and Learning and participates on the advisory board of Citizens Bank. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service, which provides tailored retirement income planning through a collaborative, non-discretionary approach supported by research and algorithmic analysis.

Bela Patel is a financial advisor at Merrill with a Series 66 designation and 29 years of industry experience. He has been with Merrill since 1995. Patel is also a co-owner of a family investment-related business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Fazendeiro is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. His prior work includes roles at Park Avenue Securities and the Guardian Life Insurance Agency. Outside of his advisory work, he has experience in the food service industry and has worked for the Food and Drug Administration. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supporting client portfolios with both discretionary and non-discretionary strategies.

John Cicmansky is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He specializes in building customized financial plans that prioritize the personal and financial needs of his clients and their families. His approach involves collaborating closely with clients to determine investment decision preferences and to simplify their financial lives. Prior to his current position, John worked as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2011 to 2022. He also served as a Registered Representative at AXA Advisors LLC in 2010. He holds a California Insurance License. Outside of his professional work, John enjoys camping, golf, kayaking, skiing, softball, and volunteering.

Justin Winkelman is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and five years of industry experience. His career includes roles at MML Investors Services, MassMutual Life Insurance Company, Mutual of Omaha Investor Services, and H. Beck Inc./Grove Point Investments. Outside of advising, he is also active as an insurance broker with Integrous Financial LLC, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved analytical tools to deliver written recommendations, emphasizing collaborative, ongoing financial planning relationships.

Roopesh Amin is a financial advisor with Morgan Stanley in Short Hills, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2016. 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 financial planning services supported by structured discovery processes and advanced modeling tools.

Joseph Cataldo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has worked at Raymond James since 2019 and previously spent 11 years at Morgan Stanley. He is also the owner of Iron Ridge Wealth Management Group and Cataldo Wealth Management. 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 uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals, and it supports a broad advisor network with additional specialized services in municipal finance and retirement plan advisory.