Marc Israel is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, he worked at Verizon for 18 years. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts and model portfolios.

Mark Rodrick is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 credentials and 32 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously at Morgan Stanley from 2016 to 2019. Rodrick has a 50% ownership in MRFJ Capital, a separate investment-related business. 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 financial planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and planning tools to develop customized recommendations.

Samuel Santiago is a Senior Financial Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services tailored to corporate executives, business owners, and their families. With over two decades of experience in the financial services industry, Samuel joined Merrill Lynch Wealth Management in 1999. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and non-qualified deferred compensation plans. He assists corporate executives in integrating these benefits into a long-term financial strategy. Samuel emphasizes a comprehensive approach to wealth management that starts with understanding each client's individual goals. He also focuses on uncovering behavioral finance tendencies to better support clients in achieving their financial objectives. Samuel holds a Personal Investment Advisor (PIA) designation and has completed a non-accredited certificate program at Middlesex County College. Outside of work, his personal interests include adventure sports, biking, hiking, music, reading, running, spending time with his family, traveling, watching movies, and woodworking.

Vanessa Rodriguez Alonso is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. She has been with Wells Fargo Clearing Services since 2017 and has worked at Wells Fargo Bank since 2013. Outside of her advisory role, she co-owns Spodium Auto Care LLC with her spouse, where she contributes to marketing, bookkeeping, and operations. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related and bank deposit sweep options among its investment offerings.

Jonathan Panik is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank NA since 2014. Outside of his advisory role, he is a partner in an e-commerce business focused on online apparel sales, established for his son. 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. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Maychl Agaybi is a financial advisor with LPL Enterprise LLC holding a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise, Agaybi has held roles in retail and other sectors including JD Sports and Big Lots. He is also involved in a non-variable insurance agency outside of his advisory duties. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Melissa Farfan is a financial advisor with LPL Enterprise, LLC, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Foresters Financial Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a broad network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Kyle Lustenberger is a financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he and his wife own and manage a personal vacation home in Rancho Mirage, California. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Susan Sandman is a financial advisor with Ameriprise in Somerville, NJ, holding a Series 66 designation and with 24 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

James Ramentol is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology and a broad non-advisory financial services platform.

Andrea Horowitz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Horowitz serves as a FINRA arbitrator, analyzing and arbitrating industry complaints. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and offers a range of brokerage and advisory solutions.

Joseph Prorok Jr. is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Octavian Capital Partners LLC. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Gail Miller is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding a Series 63 designation and 42 years of industry experience. She has worked at various Wells Fargo entities since 2009. Outside of her advisory role, she has a 50% ownership interest in Miller Wealth Managers, LLC, a firm engaged in investment-related activities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses proprietary research and planning tools to develop tailored recommendations, with implementation options through its brokerage or advisory programs.

Steven Saunders is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His work history includes roles at Bank of America/Merrill Lynch and JPMorgan Chase Bank, N.A. Outside of finance, he was involved with Mountain State Ent & Facial for four years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework when recommending strategies.

John Hanson is a Series 66 licensed financial advisor with nine years of industry experience, currently with UBS Financial Services since 2019. Prior to UBS, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. Outside of his advisory work, he serves on the board of Rigging Consultants, Inc., a privately held company specializing in suspended scaffolding rental and sales. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, blending institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Timothy Kenyon is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 41 years of industry experience. He previously worked at Triad Advisors, GWN Securities, IC Advisory Services, Securities America Advisors, and Brecek & Young Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Merry Scala is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 38 years of industry experience. Her prior roles include positions at CUNA Brokerage Services Inc., CUNA Mutual Group, and CUSO Financial Services, L.P. She dedicates significant time to PenFed Wealth Management, a related investment activity. 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, model portfolio programs, and institutional platforms, supported by both proprietary research and third-party subadvisors.

Frank Chou is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.

Michele Fine is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following three years at Morgan Stanley Private Bank. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering advisory services alongside affiliated brokerage and investment management capabilities.