Bharat Gurnani is a financial advisor at Ameriprise with 35 years of industry experience. He holds the CFP® and ChFC® designations, along with Series 63 and 65 licenses. Prior to joining Ameriprise, he worked at UBS Financial Services and Citigroup Global Markets. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Neal Gordon is a financial advisor at LPL Financial with 16 years of industry experience. He holds the ChFC® and Series 66 designations and has worked at firms including J.P. Morgan Securities and Mass Mutual Investors Services. 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 with a variety of investment strategies and utilizes technology for operational and research support.

Michael Locascio is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC, and he also owns a business that offers piano lessons and music performances for events. Additionally, he has been involved in real estate services as a broker assisting buyers and sellers. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

Jason Marcantuone is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles in education and landscaping, as well as studies at the University of Delaware. 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 individual and institutional clients.

Keith Applegate is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Bank of America, Merrill, and Further Lane Asset Management. Keith is affiliated with Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including multi-manager and fund-of-funds structures.

Mark Baumgarten is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at J.P. Morgan Securities since 2008 and J.P. Morgan Chase Bank since 2010, along with prior experience at RBC Capital Markets. He serves as a trustee on the board of Housing Partnership, an organization focused on education and assistance for first-time homeownership and foreclosure counseling. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a forward-looking approach and includes access to broader derivatives and commodities capabilities.

Brian Lee is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Allied Wealth Partners. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment strategies primarily based on portfolios developed by LPL’s Research Department and third-party sponsors, and offers financial planning, third-party asset manager access, and insurance product sales through affiliated entities.

Melissa Bonilla is a financial advisor with LPL Enterprise and holds Series 63 and Series 66 licenses. She has 18 years of industry experience, including prior roles at The Prudential Insurance Company of America and Pruco Securities LLC. Her outside business activities include involvement with Prudential-sponsored non-variable insurance products. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a primarily model-driven investment approach and offers access to third-party asset managers, financial planning, and a range of non-securities products and services.

John Flynn is a financial advisor with LPL Enterprise who holds Series 63 and Series 66 licenses and has 19 years of industry experience. His prior roles include positions at PRUCO Securities, Value Line, AXA Advisors, J.P. Morgan Securities, and Chase Investment Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach with access to third-party asset managers and offers financial planning, consulting, and a Model Wealth Portfolios wrap program.

Matthew Mulcahy is a financial advisor with Raymond James Financial in Basking Ridge, NJ, holding Series 65 and Series 66 licenses and having 11 years of industry experience. He previously worked at Schroder Fund Advisors LLC for six years and Neuberger Berman LLC for five years before joining Raymond James Financial in 2026. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools to support client goals and offers specialized services including municipal and public finance advisory as well as SIMPLE IRA Employer Advisory & Consulting Services.

Justin Gelman is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses. He has 11 years of industry experience, including roles at Citigroup Global Markets and M Holdings Securities. Outside of his advisory work, he assists in managing family-owned industrial commercial real estate properties and works as an independent contractor providing wealth management and financial planning support to multiple firms. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm employs tailored, non-discretionary investment consulting and supports both individual and institutional advisory needs through a large network of advisors.

Paul Santucci is a financial advisor at Merrill with 42 years of industry experience. He held a position at UBS Financial Services Inc. for 15 years before joining Merrill in 2022. Mr. Santucci serves as a board member for the charitable organization Invest In Others. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Stanic is a financial advisor with LPL Financial and holds a Series 66 designation. He has three years of industry experience, including prior roles at Bleakley Financial Group and LPL Financial. 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 services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Ellen Bialek is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016, previously employed by A. G. Edwards & Sons, Inc. from 2005 to 2008. Outside of her advisory role, she serves as treasurer for a rental property owned by her spouse. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to support a range of brokerage and advisory solutions while serving over 14,000 financial advisors and managing roughly $671 billion in assets.

Kishor Kumar is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process relies on structured discovery and firm-approved tools, serving clients primarily in an advisory capacity.

James O'hara is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside various investment offerings.

Rachel Bernard is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Lincoln Financial Advisors Corporation for 29 years. Bernard is a committee member of The Lift Collaborative, a nonprofit associated with her church that supports mission work. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Harold Uszerowicz is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Wells Fargo Clearing and Ryan Beck & Co. Outside of his advisory role, he is an amateur photographer. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

James Pallitto is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. Prior to that, he was employed at Merrill and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process uses centralized due diligence combining quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Colleen Brophy Emma is a financial advisor at LPL Enterprise with 30 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at firms including Morgan Stanley Smith Barney LLC, Fidelity Brokerage Services LLC, UBS Financial Services, and The Prudential Insurance Company of America. LPL Enterprise provides 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 typically uses model-driven investment approaches and offers financial planning, consulting, and access to third-party asset managers.