Yasmeen Kassim is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. throughout her career. Outside of her advisory role, she is a co-owner of a family rental property business. 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mildred Tabor Winkle is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and executor for several family trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Robert Korlesky is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides personalized and comprehensive wealth management services focused on preserving and growing client assets, optimizing tax-efficient retirement distributions, and implementing tax-advantaged estate strategies. His client work includes family wealth management, legacy planning, retirement income, portfolio management, liquidity management, and socially responsible investing. Robert holds a Bachelor’s Degree from East Stroudsburg University and is designated as a Personal Investment Advisor (PIA). He applies Merrill’s goals-based wealth management approach to help clients articulate their financial objectives and navigate complex wealth challenges. Robert emphasizes educating clients and their families about the wealth management process and investment strategies. Committed to community involvement, Robert participates in local organizations through volunteer work. His personal interests include camping, fishing, golfing, and woodworking. He believes in adapting investment strategies in response to life changes to support clients’ retirement lifestyles and long-term financial goals.

Devlin Formey is a financial advisor at Morgan Stanley with three years of industry experience and holds a Series 66 designation. His prior roles include positions at RFG LLC, Northwestern Mutual, Merrill, and Bank of America. Outside of finance, he operates a football training business in West Caldwell, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs supported by structured planning tools and a wide range of investment products.

Michael Pinto is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at TIAA-CREF and joined Fidelity in 2021. Outside of his advisory role, he is the sole proprietor of Nations LLC, a sports cards and memorabilia business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm supports various advisory structures and employs systematic methodologies to manage portfolios across mutual funds, ETFs, and ETPs.

Joseph Smith is a CFP® with 42 years of experience in the financial services industry. He has worked with LPL Financial since 2020 and previously spent 11 years at Sagepoint Financial, Inc. Outside of his advisory role, he is a paid employee at Russo & Associates, where he audits municipal payroll records. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting with access to model portfolios, third-party research, and various technology-driven strategies.

John Schade 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 J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm operates on a non-discretionary basis, combining institutional advisory services with brokerage and investment management capabilities.

Jeel Patel is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he worked at Bank of America, Newfield National Bank, and Todd's news agency. He is a partial owner of a small family business, JilKrish LLC. 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 plans, corporations, and charitable organizations.

Mark Mazzei is a financial advisor with Ameriprise in Westfield, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of advising, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Fauzia Huma is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at Bank of America, N.A., Connolly & Co, and Nimbus Infinity LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Garretson is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2017. Prior to this, he worked for Merrill Lynch, Pierce, Fenner & Smith Incorporated for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Pillori is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2012. He partners with individuals and families to educate them on investment opportunities and develop comprehensive financial plans aimed at helping clients pursue their financial goals. He utilizes the resources of Fidelity Investments to support his advisory work. With 39 years of industry experience, David has held leadership roles at several financial institutions, including Vice President positions at Merrill Lynch, Pershing, LLC, and ABN AMRO Inc. He also served as Associate Managing Director at Lebenthal & Co., LLC, and Assistant Vice President roles at Bankers Trust Co. and Societe Generale. His personal interests include family activities, golf, and softball.

Sean Kelliher is a CFP® professional with 27 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Kelliher participates on the Series 7 Item Writing and Review Committee, contributing to the development and review of exam questions. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Samantha Kucevic is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has previously worked at Balance Face and Body and Fairleigh Dickinson University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved planning tools to support client decision-making.

John Luke Bongiorno is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Bank of America and Merrill Lynch. Outside of finance, he has worked in the food service industry, including a role at Bridgewater Diner. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts.

Kevin Cernuto is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, with prior experience at METLIFE Securities. Outside of his advisory role, he is also an insurance agent specializing in life, disability, long-term care, fixed annuities, and health products. 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 services with an emphasis on collaborative, annual planning engagements.

Alyssa Capone is a financial advisor at Fidelity with four years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2021. Prior to her current role, she has held positions in diverse fields including healthcare and education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.

Anthony Porchetta is a financial advisor at Mass Mutual Investors Services with Series 66 registration and experience beginning in 2024. Prior to joining the firm, he worked in the automotive industry and held a role at the University of Scranton. He is also engaged in insurance brokerage, focusing on individual 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 offers financial planning, asset management, and educational seminars, utilizing software tools to deliver written recommendations tailored to client goals.

Ryan Donohue is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He has worked within various J.P. Morgan entities since 2013, including JPMorgan Chase Bank, N.A. and J.P. Morgan Investment Management Inc. He holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis, allowing clients to retain final decision-making authority.

Brett Diorio is a Series 66-licensed financial advisor with Morgan Stanley in Short Hills, NJ, where he has worked since 2013. He has 16 years of industry experience. Outside of his advisory role, Diorio serves as an arbitrator on a FINRA panel, making judgments on claims. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides comprehensive advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.