Kyle Diaz is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Kyle earned his bachelor's degree from Purdue University System. Details regarding his specific areas of expertise, experience, personal interests, or community involvement were not provided.

Thomas Teel is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His prior roles include positions at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Karen Mahida is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 2000. Her other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Robert Diamond is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Securities Corporation for 10 years. Outside of his advisory role, he is the owner and operator of Interactive Benefit Solutions, LLC, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and incorporating model portfolios and research from multiple sources.

Gregory Tonnon is a financial advisor with LPL Financial who holds the ChFC® designation and Series 63 license, with 42 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc. and The Guardian Life Insurance Company. In addition to his advisory work, he is involved as an employee benefits broker. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by proprietary and third-party research, delivering both discretionary and non-discretionary portfolio management services.

Robert Gariano is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been affiliated with Cetera and its related entities since 2005 and has operated Gariano Wealth Management since 2015. In addition to his advisory work, he serves as a notary public on an ad hoc basis. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a network of independent advisors and provides access to affiliated and third-party investment strategies across multiple program platforms.

Christopher Moss is a Financial Consultant currently working at Fidelity Investments since 2020. He specializes in helping clients navigate financial planning and aims to anticipate life transitions to ensure clients are financially prepared. Christopher focuses on building trusted advisor relationships with his clients. He has professional experience that includes serving as Vice President of Trust Sales at Wilmington Trust from 2018 to 2020, Internal Sales Consultant at PIMCO Investments from 2011 to 2018, and Sales Desk Manager at AXA Equitable from 2009 to 2011.

Frank Cummings is a financial advisor at Cambridge Investment Research Advisors with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cambridge since 2011. Outside of his advisory role, he is an independent insurance agent offering a range of insurance products including life, health, disability, and long-term care insurance. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients such as individuals, retirement plans, and charitable organizations. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party strategies across various custody and platform arrangements.

David Zaccaria is a financial advisor with OSAIC, holding a Series 63 designation and 31 years of industry experience. He has worked at OSAIC since 2024 and has prior experience with Securities America Advisors, Inc., among other firms. Outside of advising, he serves as the wrestling director for the West Essex Junior Knights, a youth recreation program. OSAIC serves a diverse range of retail and institutional clients through an extensive network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to multiple managed account platforms. The firm utilizes asset-allocation tools and supports both discretionary and non-discretionary portfolio management, incorporating a broad selection of investment vehicles.

Randall Egan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates the Egan Wealth Management Group as a DBA. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Nathan Goldwasser is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 37 years of industry experience. He previously worked at METLIFE Securities Inc. for 18 years and has been with Mass Mutual and its affiliated firms since 2016. Outside of his advisory role, he operates an insurance brokerage business specializing in life, fixed annuities, disability, and long-term care products. MassMutual Investors Services is 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, using firm-approved tools to deliver collaborative, annual planning engagements.

Andrea Hauptman is a financial advisor with Cetera in Parsippany, NJ, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has held various roles since 2011, including positions at Securian Financial Services, Allied Wealth Partners, and Alianza Services Corp. Outside of her advisory work, she serves as Controller for Alianza Services Corp, an authorized Herman Miller furniture dealer. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Ernest Escobar is a financial advisor at LPL Financial with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Securities and JP Morgan Chase Bank. Outside of his advisory role, he is co-owner of BE Method, LLC, an e-commerce business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Dominic Guido is a financial advisor at Ameriprise with 55 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to deliver tailored retirement-income advice.

Henry Kahng is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2006, following his tenure at AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Michael Campione is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. His background also includes roles at ConMed Corporation and Surgical Motion Technologies. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers its program on a non-discretionary basis, combining institutional advisory operations with broker-dealer and investment adviser registrations.

Michael Ciano is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his main role, he owns a 50% interest in CRT Private Wealth Management and is involved in an insurance-related advisory role with Princeton Harriman Insurance Solutions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and special-needs analysis, supported by Wells Fargo research and tools.

Sudip Mukherjee is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS since 2017, following a 14-year tenure at MBIA Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm offers a broad range of services including portfolio management, financial planning, and capital markets activities.

Francis Brogan is a financial advisor with Cetera based in Parsippany, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked with firms including Allied Wealth Partners and Securian Financial Services. Outside of advisory activities, he is also involved in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services delivered through a large nationwide network of independent advisors.

Santiago Martinez Sanchez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes positions at Wells Fargo and Bank of America. Outside of finance, his background includes roles in education and sports management. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.