Mario Califano is a financial advisor with Cetera who holds a Series 63 designation and has 29 years of industry experience. He has been with Cetera and its affiliates since 2005 and also owns Califano Financial Services Corp, where he provides accounting and tax services. Califano serves as president and treasurer of multiple holding companies managing investments and acts as executor for a family estate. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform allowing advisors to utilize model portfolios, third-party managers, or bespoke strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Christopher Foley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Foley serves as a power of attorney for his mother and is involved in managing multiple investment-related entities, including his own LLC and partnerships. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients able to implement recommendations through various brokerage and advisory programs.

Frederick Turner is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Wells Fargo entities since 2009. Outside of his advisory role, he is a co-owner of Turner GP, LLC, a merchant partnership based in Chester, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services that include cash-flow, retirement, education, risk, and wealth-transfer planning. The firm uses Wells Fargo’s research and planning tools to develop customized recommendations, providing a broad range of specialized services to clients meeting a net-worth threshold.

Marsha Stevens is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked for Morgan Stanley from 2014 to 2022. 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 provides fee-based financial planning, discretionary and non-discretionary portfolio management, and utilizes proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

David Larkin is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and Merrill since 2010. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm’s investment approach includes multiple program strategy types and tax-efficient services, supported by integration with Bank of America’s broader banking and capital-markets platform.

Hema Joshi is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Ameriprise in Flemington, NJ. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports that support income planning and Social Security decisions.

David Fernandez is a financial advisor at MassMutual Investors Services with 25 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Charles Schwab. Outside of his advisory role, he serves as the treasurer of a condominium association and works as an insurance broker specializing in life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers specialized event-driven planning services.

Michael Pimpinelli Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and five years of industry experience. Prior to joining Mass Mutual, he worked at Abercrombie & Fitch for two years and has experience from Seton Hall University. Mass Mutual Investors Services, LLC 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 analyze client goals and deliver written recommendations.

Joseph Mccusker is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, MassMutual Life Insurance Company since 2016, and Metlife Securities Inc. from 1974 to 2017. Outside of his advisory work, he serves as an independent insurance agent for small group and individual health insurance plans and is president of his condominium association. 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, utilizing detailed client assessments and firm-approved software to develop investment recommendations.

Daniel Piccirillo is a financial advisor at LPL Enterprise with a Series 66 credential and three years of industry experience. His prior work includes roles at Goldman Sachs Bank USA and The Prudential Insurance Company of America. Outside of advisory services, he is involved with Paradigm Governance Partners LLC, where he prepares financial information including audited financial statements. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by internal research and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Emre Hasmet is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Fidelity, he worked at Unity Bank and held roles in the private sector at Atlantic Supermarket Equipment and AmerAsia International. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Eric Rose is a financial advisor with Equitable Advisors, holding a Series 66 designation and 12 years of industry experience. He has been with Equitable Advisors since 2014 and previously worked at Axa Advisors, LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset management to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a network of Investment Adviser Representatives and offers a variety of advisory programs, including third-party asset manager referrals and firm-offered models such as the SAM program.

Richard McCabe Jr. is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 credentials and has 23 years of industry experience. His prior work includes 14 years at METLIFE Securities Inc. He also operates as an insurance agent assisting clients with life, disability, long-term care, fixed annuities, property and casualty, and health insurance, as well as helping clients interested in selling their life insurance policies. 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 ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Christopher Bunsa is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63, 65, and 66 licenses and six years of industry experience. His prior roles include positions at Preqin, Moody’s Analytics, Columbia Management Investment Distributors, and Fidelity Investments Institutional Services Company. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management solutions through a network of Investment Adviser Representatives and third-party program sponsors.

Mario Digiacomo is a financial advisor with Merrill, holding a Series 66 designation and 28 years of industry experience. He has been with Merrill and its affiliate Bank of America N.A. since 2012. Merrill, together with 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 investors including individuals, high-net-worth clients, and institutional entities.

James Cunningham is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior experience includes 12 years at MetLife Securities Inc. and ongoing roles with Massachusetts Mutual Life Insurance Company since 2016. Additionally, he is involved with Force Financial Associates as a financial educator and works in insurance sales with Force Benefits Consultants and Insurance Solutions LLC. 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 offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver collaborative, goal-oriented recommendations.

Anthony Molfino is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Planning Alliance, Richards Rentals and Stylized Events, Dick's Sporting Goods, Stockton University, and Magic Wash Car Wash. 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 various institutional investors.

Jayson Astel is a CFP®-credentialed financial advisor with 15 years of industry experience, currently practicing at Edward Jones since 2010. He is involved in overseeing operations for a small business startup focused on an indoor playground and manages related project and cash flow activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Scott Lowder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Merrill and Bank of America and is a founding partner of Harvest Wealth, where he provides financial advice to corporate executives, retirees, and families. Additionally, he is an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Joseph Nelligan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as a financial quarterback for his clients, employing a comprehensive approach to wealth management that starts with attentive listening to understand each client's unique goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Joseph integrates various aspects of his clients' financial lives to provide tailored strategies. Joseph's expertise encompasses college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Drexel University. Committed to community involvement, Joseph follows Merrill's tradition of participating in the communities served and volunteers with the Delaware Valley Alzheimer's Association. Outside of his professional life, he enjoys golfing, music, spending time with his family, and traveling.