Kristopher Hargraves is a financial advisor with Raymond James & Associates, holding a Series 66 credential and seven years of industry experience. Prior to joining Raymond James in 2026, he worked at UBS Financial Services for nine years. Outside of his advisory role, Hargraves is a partner at Living Proof Basketball LLC, where he helps plan youth basketball camps and tournaments. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, using a variety of portfolio management styles supported by firm research and affiliated sub-advisers.

Larry Lensak is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has worked at Cetera and its affiliate firms since 2021 and was previously with Voya Financial Advisors from 2014 to 2021. In addition to his advisory role, Lensak owns a business that provides income tax preparation services and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options, supported by extensive affiliations and a nationwide network of advisors.

Tab Mak is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has worked at LPL Financial since 2015. Outside of his advisory role, he has worked as an insurance claims adjuster. 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, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options and access to model portfolios and research from various sources.

Christopher Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers a range of advisory and consulting services with a primarily non-discretionary approach.

Tae Kim is a Financial Consultant at Fidelity Investments, a position held since 2014. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2013 to 2014. From 2007 to 2013, he worked as a Financial Advisor at UBS Financial Services. Throughout his career, Tae has focused on partnering with clients to provide tailored investment options and leveraging Fidelity's resources to support clients' financial goals. He emphasizes understanding clients' personal stories to address what is most important to them and their families. Tae holds a California Insurance License.

Miriam Gentile is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, following seven years at Morgan Stanley Smith Barney. 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, pension plans, corporations, and charitable organizations.

Louis D'angelis is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2010. Outside of his advisory role, he is involved in non-variable life insurance sales. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Christine Weber is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and eight years of industry experience. She previously worked at Santander Securities, LLC and Santander Bank before joining Primerica in 2021. Outside of her advisory role, Weber owns a retail sales company, Miscellany Overhaul, LLC, and is a managing member of THE GOAT'S HAUL, LLC. Primerica Advisors serves primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients through a wrap-fee asset management program. The firm utilizes model-delivery investment strategies created by unaffiliated asset managers and supports trade execution and custody through third parties.

Richard Cobe Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in a separate business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services through a national network of investment adviser representatives.

Laura Pechfelder is a Series 66 licensed financial advisor with 21 years of industry experience. She is currently with UBS Financial Services and previously worked at Merrill and Preferred Pediatric Orthopedic Surgery. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Irene Europa is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she tutors mathematics through the Department of Education’s Champion Learning program. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Desfosses is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with Merrill since 1984 and concurrently with Bank of America since 2011. 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 various institutions.

Edward Noonan is a financial advisor with LPL Enterprise in Paramus, NJ, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has worked at Prudential Insurance Company of America since 1985 and was associated with Pruco Securities, LLC. from 1985 until 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through both advisory and brokerage channels.

Melissa Naylor is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, bringing 16 years of industry experience. Her prior work includes roles at Morgan Stanley and First Allied Advisory Services. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and platform options tailored to client objectives.

Michael O'hara is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently with Charles Schwab and has previously worked at Fidelity Investments, Bank of America, and Merrill. 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. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and offers centralized custody and order-routing services.

Patrick Rogers is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, N.A., W&R Holdings LLC, and ADVANCED.gg. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lucy Coyle is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. She has been with LPL Financial, including its predecessor LINSCO/Private Ledger, since 2005. Outside of her advisory role, she provides non-variable insurance products as part of her financial planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

Andrew Young is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Wells Fargo Advisors and Morgan Stanley. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which provides asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Scott Covitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on constructing individualized financial strategies that address all areas of his clients' financial well-being, including asset allocation, education funding, retirement planning, insurance analysis, debt management, and banking resources. Scott has been recognized on The Forbes "Best-in-State Wealth Advisors" list, including most recently in 2025. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from West Virginia University. He is also a member of Sigma Alpha Mu. In addition to his professional work, Scott is involved with St. Jude. His personal interests include baseball, golfing, hiking, spending time with his family, traveling, and yoga.

Jeanne Gagliardi is a financial advisor with Wells Fargo Clearing Services LLC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked previously at Ameriprise Financial Services, National Asset Management, and National Securities Corporation. In addition to her advisory role, she serves as a notary public in New City, New York. 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.