Maria Papanicolaou is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2022. Her prior experience includes roles at International Seaways Inc and Mixology Clothing Co. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a non-discretionary, research-driven process that integrates quantitative asset-allocation modeling and centralized due diligence.

Gregory Satriale is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and previously worked at Bank of America Merrill Lynch and Bank of America. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

John Wygal is a financial advisor at Cetera with over 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including VOYA Financial Advisors and his own company, John H. Wygal & Co., LLC. Outside of his advisory work, he serves as a church council member for the First Congregational Church of Darien. Cetera Investment Advisers LLC operates as a multi-manager platform serving a wide range of clients, including individual investors, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing affiliated and third-party managers within discretionary and non-discretionary program structures.

Stephen Flamio is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. He has previously worked at Morgan Stanley and Vanguard in addition to his current role. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements using firm-approved software and offers specialized services such as divorce planning and estate settlement.

Julian Zapata is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held roles at Citibank, as well as various positions outside finance including culinary and hospitality work. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Christina Dejesus is a financial advisor with Equitable Advisors in Stamford, CT, holding Series 63 and Series 66 licenses and nine years of industry experience. Her prior roles include positions at JP Morgan Securities LLC and AXA Advisors. Outside of her advisory work, she is the owner and founder of PART OF THE CHANGE, an LLC that provides workshops on art, financial literacy, and life skills training to at-risk youth in detention and community centers. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and partnerships with third-party asset managers.

Elad Rahamim is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked with various Wells Fargo entities since 2010. Outside of his advisory role, he is involved in house flipping and holds ownership in several investment-related entities. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services. The firm offers customized recommendations using proprietary research and tools, with services covering cash-flow, retirement, education, risk, and wealth transfer planning, among other specialized areas.

Javier Lugo is a CFP® professional with 18 years of industry experience. He is currently with LPL Enterprise and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Lugo also serves as a financial planner on a team with Pesce Financial. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm uses primarily model-driven investment strategies and offers access to third-party asset managers, financial planning, and various insurance and custody services.

Eric Beers is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial advisory services within the firm, assisting clients with wealth management strategies. Details about his prior experience, areas of expertise, education, or personal interests are not provided.

Frank Vella is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 licenses and 36 years of industry experience. His prior roles include positions at Bay Crest Partners LLC and Chimera Securities. Vella is also involved in non-variable insurance activities as an investment representative. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and insurance products through affiliated entities.

John Davis is a financial professional at LPL Enterprise with one year of industry experience. He holds Series 63 and Series 66 licenses. His prior work experience includes roles at State Farm, National Securities Corp, New York Life, and G4S. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities. The firm employs primarily model-driven investment strategies and offers access to third-party asset managers, financial planning, and affiliated insurance and trustee services.

John Malarney is a Series 66 licensed financial advisor at J.P. Morgan Securities with seven years of industry experience. His prior roles include positions at Private Wealth Management BlockFi, UBS Financial Services, and Morgan Stanley. 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 brokerage, distribution, and investment management capabilities.

Krista Collins is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2024. She works closely with individuals and their families to develop investment and planning strategies aligned with their current financial goals and future aspirations. Krista invests significant time at the outset of each client relationship to gain a clear understanding of both their near-term priorities and long-term objectives. This approach enables her to support clients in pursuing important milestones and legacy plans. Her career in financial services includes roles as Vice President and Financial Consultant at Fidelity Investments from 2023 to 2024, Financial Consultant from 2016 to 2022, and Investment Consultant from 2014 to 2016. Prior to joining Fidelity Investments, Krista worked as a Client Service Associate at Edelman Financial Services from 2012 to 2014, and she spent nearly a decade at Equisearch Services in both client relationship and administrative roles. Krista's professional experience reflects a continuous commitment to client service and financial consulting, focusing on personalized investment strategies and long-term financial planning.

Philip Baity is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities since 2009, including a decade at JPMorgan Chase Bank, N.A. Outside of his advisory role, he is an owner and president of Flywheel Seeds LLC, a family pooled investment vehicle, and a private equity investor in Glassbeam, Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its recommendations.

Frederick Hill is a financial advisor at Osaic Wealth, Inc. with two years of industry experience. His prior roles include positions at Equitable Advisors LLC and Coerver Coaching. Outside of advising, he is involved in life insurance sales and works as a registered assistant and tax preparer at Pinnacle Taxx. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services. The firm utilizes various asset-allocation tools and third-party platforms to construct and manage diversified portfolios on both discretionary and non-discretionary bases.

Lisa Cerbone Montalto is a Wealth Management Advisor at Merrill Lynch Wealth Management in Ridgefield, Connecticut. She leads the MDCL Group and the healthcare professional and Financial Life Benefits initiative, focusing on serving physicians, medical professionals, healthcare executives, and their families. Lisa applies her experience in healthcare and financial services to help clients simplify their financial lives and achieve their goals with greater knowledge and confidence. Prior to joining Merrill Lynch, Lisa spent over two decades in healthcare administration and medical education. She holds a Bachelor's degree in Government from Wesleyan University and a Master's degree in Health Services Administration from the University of Michigan. Lisa maintains multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Lisa is actively involved in her community, advising the Abbott Technical High School Leos Club and volunteering with various Lions Clubs and vision-related organizations in Fairfield and New Haven Counties. She also contributes to youth music programs in Danbury, Connecticut. Lisa is a member of several professional organizations including the American College of Healthcare Executives, the American Public Health Association, and the Financial Planning Association. Fluent in English and Spanish, she resides in Brookfield, Connecticut with her family.

Corrado Dell'aglio is a CFP®-designated financial advisor with Ameriprise, based in Valhalla, NY, and has 35 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Outside of advising, he serves as a principal of Valhalla Summit Associates Inc., a company involved in real estate lease holdings for Ameriprise advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach emphasizes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Peter Ruvolo Jr. is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 66 licenses. He has 32 years of industry experience, including a 20-year tenure with Osaic Wealth and ongoing affiliation with Sanders Smith Ltd. Outside of his advisory work, he serves as president of Qualified Plan Solutions, a non-investment-related S corporation. Osaic Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering brokerage and advisory services, financial planning, retirement consulting, and managed account solutions. The firm employs asset-allocation tools and multiple third-party platforms to construct diversified portfolios and supports legacy program transitions.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.