Chelsea Pagoaga is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 10 years of industry experience, including roles at Merrill Lynch, Ameriprise Financial Services, and Kestra Private Wealth Services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars through annual collaborative engagements that use firm-approved software to analyze goals and recommend investment strategies.

Deneen Morgia is a CFP® professional affiliated with Edward Jones, with 24 years of experience in the financial industry. She previously worked at Truist (Suntrust) for 17 years and at Level Four Financial for two years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Joshua Hall is a Series 66-licensed financial advisor at J.P. Morgan Securities with 18 years of industry experience. He has worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities since 2023, and previously spent seven years with Bank of America and Merrill. 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 applying an ESG eligibility framework in its recommendations. The firm offers these services on a non-discretionary basis, with clients retaining final decision-making authority.

Brion Lawler is a CFP®-designated financial advisor with 19 years of industry experience, currently with Wells Fargo Clearing in Palm Beach, FL. He has been with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC prior to his current role. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Heath Odom serves as Vice President and Branch Leader at Fidelity Investments in Palm Beach Gardens, Florida. In this role, he leads wealth planning professionals and focuses on delivering a positive client experience through Fidelity's range of guidance tools and investment strategies. Heath has been with Fidelity Investments since 1996, holding positions including Branch Manager and Vice President. Prior to joining Fidelity, he worked as a Stockbroker at Painewebber from 1994 to 1996. His earlier experience includes roles as an Insurance Agent at John Hancock in 1993-1994 and The Equitable in 1993. No additional information regarding education, credentials, personal interests, or community involvement was provided.

Sara Roth is a financial advisor with UBS Financial Services in West Palm Beach, FL, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with UBS since 1998. Roth is also involved as a member of a committee with management and supervisory functions for a family LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor strategies to client goals.

Patrick Shea is a financial advisor with Raymond James Financial, holding a Series 66 credential and 18 years of industry experience. Prior to joining Raymond James in 2021, he worked at Ameriprise Financial Services for 14 years. Outside of advising, he is a partner in Uno Vino, Inc., where he assists with marketing and conducts wine tastings. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm provides tailored, non-discretionary planning using analytical tools and supports municipal finance work through a unique affiliation with a municipal advisor.

Zachary Sobel is a financial advisor at UBS Financial Services with 17 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining UBS in 2025, he spent a decade with Morgan Stanley and its affiliated private bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations in client advisory.

May Ellen Schad is a financial advisor at UBS Financial Services with 15 years of industry experience. She has been with UBS since 2010 and holds Series 63 and Series 66 designations. Outside of her advisory role, she has an association with The Container Store, a publicly traded company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work through proprietary research and model-based asset allocations.

Lance Longwater is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at SunTrust Advisory Services and SunTrust Investment Services. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Thomas Cook is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Short Hills, NJ. With over 30 years of diverse experience in Capital Markets, Tom has held leadership roles that involved working with Investment Banking, Equities, Fixed Income, as well as Fundamental and Technical Analysis teams in the U.S., Singapore, and Hong Kong. He has been a member of the Merrill team for eight years, providing comprehensive wealth management services including managing new wealth, personal retirement planning, portfolio management, and retirement income. Tom's career includes serving as CEO and Owner of Parallax Direct Execution, with a 16-year membership at the New York Stock Exchange. He has also held positions as Head of Trading and Managing Director at Pali International in Singapore, and Head of Cash Equities and Managing Director at Oppenheimer Investments Asia in Hong Kong. He holds FINRA Series 7, 55, 63, and 66 registrations and the Personal Investment Advisor (PIA) designation. Tom earned a Bachelor of Arts degree in Finance from Baldwin Wallace University. In addition to his professional responsibilities, Tom serves on the St. Jude Children's Research Hospital Committee in New York City and advises the St. Jude Teen Warrior Team. He has also been a board member for organizations supporting handicapped children, cancer research hospitals, the Wounded Warrior Project, the Muscular Dystrophy Association, and victims of 9/11. He volunteers over 300 hours annually and is active in his local community in Morristown, where he resides with his two children.

Jeffrey Londeck is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2009. In his role, he partners with clients to provide comprehensive financial planning tailored to their unique circumstances and needs. Jeffrey's approach focuses on working collaboratively with clients to help them pursue a path of financial well-being. He brings over a decade of experience in financial consulting to his work. Outside of his professional activities, Jeffrey enjoys a variety of outdoor and fitness-related interests, including beach activities, biking, boating, fishing, fitness, and scuba diving.

Joseph Danahy is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Northwestern Mutual and JPMorgan Chase Bank. His background includes roles with several financial services firms as well as experience in educational institutions. 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 an ESG eligibility framework to guide investment recommendations.

Angelo Schiralli is a financial advisor with MassMutual Investors Services, holding a Series 63 license and over 51 years of industry experience. He previously worked at Metlife Securities Inc. and New England Securities. In addition to his advisory role, he operates as an independent insurance agent specializing in life, disability, long-term care, and group benefits. MassMutual 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, and charitable organizations. The firm offers collaborative, goal-oriented planning engagements and educational seminars.

Collin Meyer is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has been with RBC Capital Markets since 2008 and previously worked at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s Advisory Risk Profile.

Anthony Hartigan is a financial advisor at UBS Financial Services with 52 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America, N.A. from 2009 to 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

Camille La Grange is a financial advisor with Merrill, holding a Series 66 designation and having one year of industry experience. Her previous work includes roles at Bank of America, New York Life Insurance, and various organizations related to education and networking. She is also the owner of You Already Are LLC, an art business focused on painting, photography, and creating an online gallery of handmade pieces. 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.

Jeffrey Pietrzak is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been affiliated with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and 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 analysis.

Joaquin Gamero Pendola is a financial advisor at UBS Financial Services, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he was involved in the food service industry, including roles at Alacruz Grill and C'est Si Bon Catering. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides a wide range of services including fee-based financial planning, portfolio management, and capital markets services, leveraging proprietary research and institutional trading capabilities.

Joel Josephs is a financial advisor with LPL Financial in Jupiter, FL, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His career includes roles at firms such as Kestra Investment Services, Wells Fargo Clearing, and Prudential Equity Group. Josephs is also involved with Great Valley Advisor Group, Inc., a registered investment advisor hybrid. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management access, and institutional platforms, supported by advisor-facing tools and a broad range of financial services.