Nessa Englebright is a Senior Financial Advisor with The 712 Investment Group’s West Coast office, part of Merrill Lynch Wealth Management. She began her career in 1999 at Merrill as a Financial Planning Specialist in the Manhattan East office. Since joining The 712 Investment Group in 2005, Nessa has focused on assisting high net worth individuals and families in clarifying their financial decisions. Her approach centers on identifying and prioritizing clients’ goals and developing tailored plans that utilize their current and future resources to help achieve those objectives. Nessa holds the Chartered Retirement Planning Counselor℠ (CRPC®) and Personal Investment Advisor (PIA) designations. She earned a bachelor’s degree in finance from Drexel University. Her client focus areas include college and education planning, family wealth management, legacy planning, liquidity management, retirement income, and supporting women and wealth. Outside of her professional work, Nessa enjoys cooking, hiking, music, reading, skiing, traveling, and spending time with her family. She resides in San Francisco with her husband, Vincent.

Edik Eskandarian is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 65 and Series 66 credentials and has worked at Ameriprise Financial Services LLC since 2022. His prior experience includes roles at BFC Planning, Inc., Berthel Fisher & Company Financial Services, Inc., and Morgan Stanley & Co. LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that combine investment research, third-party data, and algorithmic tools to provide written Recommendation Reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Anthony Morales is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to provide clarity on financial decisions, assisting with building and preserving wealth, preparing for retirement, navigating life transitions, and planning for the next generation. Anthony brings nearly a decade of experience in financial advising, focusing on family wealth management strategies and portfolio management services. He leverages Merrill's extensive research and resources to deliver tailored investment strategies, including retirement planning and trust and estate strategies. As a bilingual advisor fluent in English and Spanish, Anthony serves a diverse clientele with customized advice. He holds licenses including the SIE, FINRA Series 7 and Series 66 registrations, and has the Personal Investment Advisor (PIA) designation. Anthony attended the New York Institute of Technology, where he did not confer a degree. Outside of his professional role, Anthony has interests in baseball, basketball, boxing, drawing/sketching, football, golfing, interior decorating, softball, spending time with family, and traveling. He emphasizes an approach built on transparency, trust, and simplifying complex financial challenges to empower families in their financial decisions.

Jake Sendley is a Financial Advisor at Merrill, where he helps clients develop growth plans tailored to their short-, medium-, and long-term goals. He works with individuals, families, and businesses to design investment strategies centered on portfolio construction, risk management, and planning for education, retirement, tax, and estate needs. Jake emphasizes working directly with clients to build trusting, long-term relationships. Before joining Merrill in 2021 as a Financial Solutions Advisor, Jake gained experience at a Registered Investment Advisor (RIA) firm in West Hartford during his studies at the University of Connecticut. After earning his bachelor's degree in Finance from the University of Connecticut, he began his career on a wealth management team at Wells Fargo Advisors. He holds Series 7 and Series 66 registrations and is a Personal Investment Advisor (PIA). Originally from Smithfield, Rhode Island, Jake has lived in Stamford, Connecticut since 2018. Outside of his professional work, he participates in several recreational sports teams in Stamford, including softball, golf, beach and indoor volleyball, and kickball. He also enjoys traveling, attending live events, and spending time with his siblings and family.

Samuel Goodhue is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. His career includes roles at MassMutual Life Insurance Co and MetLife Securities Inc. Outside of his advisory work, he is also engaged in insurance brokerage focused on life, accident, health, and fixed annuities. Mass Mutual Investors Services operates as 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, utilizing firm-approved analytical tools to deliver tailored written recommendations.

Jamie Goldsmith is a Senior Financial Advisor with The Saroken Group at Merrill Lynch Wealth Management, where she has worked since 2019. Prior to joining The Saroken Group, Jamie spent much of her career at J.P. Morgan Private Bank. Over the last decade, she has advised corporate executives, hedge fund and private equity professionals, asset managers, entrepreneurs, and high net worth families across the country, focusing on customized financial strategies that address their unique objectives and needs. Jamie’s expertise includes college education planning, executive compensation, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, and tax minimization. Her approach emphasizes tax efficiency, transparency, conflict-free compensation, and creating flexible, individualized financial plans. Jamie holds several professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Indiana University. Outside of her professional work, Jamie lives in Manhattan with her husband and two sons. She is actively involved in the alumni network of the Kelley School of Business at Indiana University and supports the Chick Mission and UJA organizations. In her free time, she enjoys spending time with family and friends, visiting the beach in Margate, New Jersey, and improving her cooking skills.

William Wilkinson is a financial advisor at Raymond James & Associates with five years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors and Raymond James, with prior roles in academia and economic development. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipalities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kirk Mullen is a CFP® professional with 29 years of industry experience, currently affiliated with J.P. Morgan Securities in Greenwich, CT. His career includes prior roles at Charles Schwab, Cetera Investment Services, and Fidelity. He has been with JPMorgan Chase Bank and J.P. Morgan Securities for the past 10 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research and may include ESG considerations in portfolio recommendations.

David Reiser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory work, he is the co-author of two books published by John Wiley & Sons, including "Letters from Home" and "Wealthbuilding," with involvement in charitable efforts related to breast cancer and child hunger. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative due diligence and may incorporate an ESG eligibility framework, with implementation support from affiliated investment management entities.

Andrea Anderson is a financial advisor with UBS Financial Services in Stamford, CT, holding a Series 66 designation and bringing 25 years of industry experience. She has been with UBS Financial Services Inc. since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and a variety of capital markets and lending products.

Walker Haynes is a Series 66-registered financial advisor with J.P. Morgan Securities in Greenwich, CT, and has three years of industry experience. Prior to his advisory role, he served six years in the United States Marine Corps. He is a board member of Unturning Steel Incorporated, a nonprofit supporting veterans’ transition to civilian employment through job placement and certification programs. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence integrating quantitative and qualitative research.

Shelley Titus is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Raymond James, she worked with Lyft in rideshare services from 2018 to 2022. Outside of her advisory role, she is CEO of Seashell Film Productions and authors online and print publications, including podcasts. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions complemented by a range of portfolio management styles and affiliated research.

Carmela Martino is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 24 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, offering a range of retail and institutional investment services.

Nicolaos Kavallieratos is a financial advisor with Mass Mutual Investors Services and holds the ChFC® and Series 66 designations. He has 24 years of industry experience, including roles at Metlife Securities and Equitable Advisors. He is also a shareholder and COO of Brix Family Office, Inc., a business involved in promoting insurance and variable products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a structured, collaborative approach to client engagement.

Jon Rosenblatt is a Series 66 licensed financial advisor with eight years of industry experience. He currently works at Charles Schwab in Stamford, CT, having previously been employed at JPMorgan Securities LLC, TD Ameritrade, and a private family office. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options through a centralized and integrated operational structure.

Sarah Di Sotto is a Series 66-licensed financial advisor at Merrill with 11 years of industry experience. She has been with Merrill since 2014. Merrill, along 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.

Lawrence Codraro is a financial advisor with Morgan Stanley in Greenwich, CT, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a year as a self-employed advisor. Codraro serves on the board of TypeZero Technologies, Inc., a company developing software applications aimed at managing diabetes through artificial pancreas technology. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its financial planning process includes firm-approved tools and scenario modeling, serving clients through a broad range of advisory programs.

Eric Green is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors and been involved with SUNY Oswego's Department of Campus Life. Outside of financial services, he has experience with ProCrease Goaltending and Birchwood Country Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of solutions including portfolio management, financial planning, and access to proprietary research and capital markets services.

Michael Emhardt is a Financial Advisor with Merrill Lynch Wealth Management who specializes in delivering personalized wealth management strategies to high-net-worth families. He focuses on key areas including education planning, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. With over 15 years of experience, Michael works to understand his clients’ priorities and develop disciplined, customized financial plans. Michael holds a Bachelor's Degree from the University of Delaware and maintains the CERTIFIED FINANCIAL PLANNER® (CFP) certification, as well as the Personal Investment Advisor (PIA) designation. His mission centers on building long-lasting professional relationships founded on integrity, trust, and personalized service, offering comprehensive advisory solutions tailored to help clients achieve their life goals. Outside of his professional work, Michael enjoys baseball, basketball, football, golfing, spending time with his family, and traveling.

Brian Minicus is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His background includes roles at Bank of America and Merrill, as well as involvement with the Premier Lacrosse League and various collegiate organizations. 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.