Ruhi Unwalla is a financial advisor at J.P. Morgan Securities with five years of industry experience. She has held roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at ASK Wealth Advisors and Redbridge - Debt & Treasury Advisory. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Galgano is a financial advisor with LPL Financial in Franklin Lakes, NJ, holding a Series 66 designation and 18 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc., with over 16 years at those firms. He is also involved with G2 Financial LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches and incorporating research and model portfolios from various sources.

Francis Giordano is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cantor Fitzgerald Securities and NatAlliance Securities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and operates as a broker-dealer, investment adviser, and futures commission merchant.

Michael Werfel is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at METLIFE Securities Inc from 2005 to 2017. Werfel serves on the board of directors for the Kiwanis Club of Pascack Valley, a charitable organization focused on local community support and fundraising for children's programs. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars.

William Hunt III is a financial advisor at LPL Financial with 19 years of industry experience. He previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 11 years. In addition to his advisory role, he serves as a firefighter and treasurer for the Mahwah Fire Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Maria Cunningham is a financial advisor at Merrill with 36 years of industry experience. She has been with Merrill since 2005 and holds Series 63 and Series 66 credentials. 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 strategies designed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darnel Shillingford is a financial advisor with Fidelity, holding a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase and Ace and the Writing Services. Outside of advising, he is the author of a book titled *Financial Student Athletes* and engages in book distribution and presentations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios and serves as an advisor to multiple registered investment companies and fund-of-funds.

Patricia Ela is a financial advisor at Cetera with 36 years of industry experience. She holds a Series 65 designation and has been with Cetera Wealth Services, LLC since 2013, continuing with Cetera since 2023. She is the owner of Ela Financial Group, Inc., a financial planning practice, and serves as board president of a local homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating as a multi-manager platform with discretionary and non-discretionary options.

Maryann Lyon is a Series 66-licensed financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2009 and also has a longstanding association with Bank of America, N.A. since 2004. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Jason Elfenbein is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Merrill since 2009 and with Bank of America since 2011. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Anthony Cingire Jr. is a financial advisor with OSAIC, holding a Series 63 designation and 33 years of industry experience. He previously worked at Lincoln Financial Advisors for over 28 years. In addition to his advisory role, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers through multiple advisory platforms.

Amanda Gravina is a Financial Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Planning Consultant at Fidelity Investments from 2020 to 2024. In her current position, Amanda partners with clients to build and establish personalized financial plans tailored to their unique goals. She focuses on creating and maintaining relationships with individuals and their families to help them feel confident in growing and protecting their wealth. Outside of her professional work, Amanda has interests that include cooking and baking, family activities, fitness, food, and Pilates.

Joseph Coniglio is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has been with LPL Financial since 2006 and also operates Joe Coniglio Wealth Management, LLC for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2012. In addition to her advisory role, Moore is involved in the sale of home security and automation products and other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides discretionary portfolio management supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Daniel Minnis is a CFP®-certified financial advisor with 14 years of industry experience, currently with LPL Financial since 2021. His prior roles include positions at Charles Schwab Bank, Charles Schwab, and New York Life. He also managed Private Portfolio Partners, an independent investment advisory business, from 2021 to 2023. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jacob Coleman is a financial advisor with Mass Mutual Investors Services in Elmsford, NY. He holds the Series 63 and Series 66 designations and has one year of industry experience. His prior work includes positions at DLC Management Corp and Crabtree's Kittle House. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm employs a structured, annual planning process using firm-approved software and offers a range of programs including estate-settlement and employer-sponsored planning.

Todd Schroeder is a financial advisor with Cetera in Midland Park, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Columbia Bank, Allied Wealth Partners, and Securian Financial Services. Outside of his advisory work, he coaches wrestling five hours per week. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services utilizing multiple program platforms and a multi-manager approach.

Frank Scozzafava is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked primarily with Prudential Insurance Company of America and its affiliate Pruco Securities, LLC since 1993. He is also involved in disability and health insurance sales through two related business activities. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing financial planning, consulting, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance product sales through its affiliated entities.

William Burke III is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for a family member, assisting with financial decisions. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Christopher Messler is a Private Wealth Management Investment Management Consultant at Fidelity Investments. In this role, he partners with clients and their Wealth Management Advisors to help implement and monitor investment strategies aimed at pursuing long-term investment goals. He has progressed through multiple roles at Fidelity Investments, including Investment Management Consultant I through III from 2022 to 2026, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, he worked as a Registered Representative at Equitable from 2020 to 2021. Outside of his professional responsibilities, Christopher enjoys activities such as fishing, football, golf, skiing, soccer, and participating in social events with friends.