Larry Murphy is a financial advisor with Wells Fargo Advisors in Wilmington, DE, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at various Wells Fargo entities since 2009 and owns Murphy Wealth Management, an independent investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions with a broad range of financial planning and investment services tailored to clients meeting specific net-worth thresholds.

Lauren Caracciolo is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Connelly is a financial advisor with Wells Fargo Clearing in Newtown Square, PA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent one year at Pacer Financial, Inc. 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.

Michael Profit is a financial advisor with Mass Mutual Investors Services in New Castle, Delaware, holding Series 63 and Series 65 licenses with nine years of industry experience. He has worked at MML Investors Services since 2017 and at MassMutual since 2016. Outside of his advisory role, he owns and operates The Profit Company, a consulting business in the textile and apparel industry. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to deliver goal-based planning and offers event-driven planning services such as divorce and estate-settlement planning.

Joseph Orth is a financial advisor with Ameriprise in Wilmington, DE, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Cappelli Property Services and the University of Delaware, and he was involved with Sweet Lucy's Ice Cream & Treats for six years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing planning advice focused on retirement income, utilizing a centralized team and proprietary analytical tools.

Florence Torson Hart is a Wealth Management Advisor at Merrill Lynch Wealth Management. She serves a diverse clientele including physicians, attorneys, executives, independent women, business owners, non-profits, and families with special needs children. Florence focuses on delivering a wealth management experience that aligns financial goals with clients' values and personal circumstances, utilizing Merrill Lynch's research and Bank of America's resources to construct tailored financial strategies. She coordinates with clients' other advisors to address tax minimization, estate planning, retirement income, philanthropy, and lending needs. Prior to joining Merrill Lynch Wealth Management in 2010, Florence was the CEO and founder of a multi-media company in Ghana and has experience in advertising, public relations, marketing, publishing, and content programming. She holds a Master's degree from Drexel University and a Bachelor's degree from the University of Science and Technology. Florence holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Florence is actively involved in her community, holding the position of President of the US-Ghana Chamber of Commerce. She also serves as Curator of the Global Women's Professional & Business Exchange Conference and supports organizations focused on female empowerment, financial literacy, and global business. She resides in Philadelphia with her family and has interests that include cooking, dancing, sewing, soccer, table tennis, traveling, and yoga.

Elizabeth Hilgen is a financial advisor at Equitable Advisors with Series 63 and Series 66 licenses and one year of industry experience. Her prior work includes roles at Old York Cellars and Madison Square Garden, as well as time studying at Pennsylvania State University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes matching clients to appropriate program models or discretionary managers, often utilizing third-party advisory platforms.

Michael Orth is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2018. Orth also serves in the Delaware Air National Guard as a Maintenance Management Production Craftsman and has prior experience in construction and at the University of Delaware. He is a co-owner of Family First Legacy LLC, a real estate business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Nikesh Amin is a Financial Advisor at Merrill Lynch Wealth Management. He leverages a diverse professional background to assist clients in building strong financial foundations and achieving their financial goals. His areas of focus include college education planning, family wealth management strategies, managing new wealth, small business strategies, tax minimization, and retirement income. Nikesh holds a Bachelor's Degree from Rochester Institute of Technology, a Medical Doctorate from Ross University, and a Master of Business Administration from Georgetown University. Prior to joining Merrill, he co-founded a startup focused on accessibility technology for individuals with vision impairments, worked on the administrative side of a surgical center, and served as a project management consultant on a Veterans Affairs project aimed at improving veterans' healthcare access and quality. During his consultancy, he led the quality management team and oversaw a $1.5 billion annual budget. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nikesh is fluent in English and Spanish. Outside of work, he enjoys football, golfing, hiking, rock climbing, singing, and soccer.

Ihor Zbyshko is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at Wells Fargo NA, Citizens Securities, Inc., and Citizens Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund 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, distribution, and investment management capabilities.

William Rogers III is a financial advisor with Merrill in Philadelphia, PA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill and Bank of America since 2018, and previously spent seven years at Enterprise. 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.

Lisa Rydzefski is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 38 years of industry experience. She previously worked at MetLife Resources for 11 years and has been with MassMutual Life Insurance Company since 2016. In addition to her advisory role, she is an insurance agent specializing in life insurance and fixed annuities. 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 provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative goal analysis and written recommendations tailored to client needs.

Marcos Franco is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 63 and Series 66 designations and 17 years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. 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 a combination of brokerage and advisory solutions, relying on research and analytics to guide investment decisions.

James Morris is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and five years of industry experience. His work history includes roles at Elwyn Inc. and Primerica Financial Services. Outside of advisory services, he is involved in sales of loan products and home security and automation referrals through Primerica-affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and selectively managed accounts primarily to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses a tiered percentage-based fee model for its services.

Silya Filo is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses. She has one year of industry experience and has previously worked at Truist Bank, PNC Bank, and Wells Fargo Bank. Outside of finance, she has been involved with Goldey-Beacom College for several years. 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.

Joseph Warwick is a Financial Advisor with Merrill Lynch Wealth Management. He holds the Personal Investment Advisor (PIA) designation and works closely with clients to define financial goals and craft portfolio strategies tailored to their needs. He provides ongoing advice and adapts strategies as clients' circumstances evolve. Joseph earned a Bachelor's degree from Temple University. Coming from a family of educators, he has a strong foundation in research and learning. His interests include adventure sports, cooking, football, hiking, reading, running, spending time with his family, and traveling. He is also a member of the University Barge Club and participates in community initiatives such as Sneaks and Cleats for Ghana.

Marsha Rubin is a CFP® professional with 32 years of industry experience. She is currently with Cetera and has worked with Cetera Wealth Services, LLC since 2013. In addition to her advisory role, Rubin is a licensed CPA who prepares tax returns, conducts tax planning, and represents clients in audits. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures and custodial relationships.

Benjamin Adey is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. His prior roles include multiple years of employment at Bates College and work at Dynasty Financial Partners, Portland Country Club, Freedom Boat Club, and Waynflete School. RBC Wealth Management, part of RBC Capital Markets, LLC, serves individual investors, institutional clients, corporations, and charitable organizations, offering a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, supporting a variety of investment structures and options.

Nicholas Sigismondi is a financial advisor with Mass Mutual Investors Services holding a Series 66 license and two years of industry experience. Prior to his current role, he worked at Kroll and held various positions including at Firepoint Grill and Temple University. He is also active as an insurance broker, providing sales and services for individual life, property and casualty, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and provides a range of event-driven planning programs.

Gary Daniels is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 and 65 licenses. He has 49 years of industry experience and has previously worked with MetLife Securities Inc. and MassMutual Life Insurance Company. Daniels serves as treasurer on the board of a 501(c)(6) organization, where he oversees financial management. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning supported by firm-approved analytical tools, with implementation options that require separate arrangements.