Lulu Zappy is a financial advisor at UBS Financial Services with 15 years of industry experience. She has been with UBS since 2016 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she owns and manages a rental townhome. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering financial planning, portfolio management, and access to institutional trading capabilities alongside wealth management.

William Sabia is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. He has held positions at Merrill and Bank of America, N.A. before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Zachary Todd is a Financial Consultant currently working at Fidelity Investments since 2026. He has experience as an Investment Consultant at Fidelity Investments from 2024 to 2026 and previously served as a National Financial Solutions Advisor at Bank of America Merrill Edge from 2022 to 2024. In his role, Zachary combines market knowledge with a commitment to transparency and trust to help clients build confidence in their financial futures by simplifying complex financial concepts and providing actionable guidance. Outside of his professional career, Zachary has personal interests that include board games, football, social events with friends, golf, and soccer.

Jeremy Young is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with various Fidelity entities since 2011. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with a noted role in model portfolio delivery, commodity pool operations, and formal advisory services to multiple registered investment companies.

Jen Parsons is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill and Bank of America since 2007 and 2009, respectively. Outside of her advisory role, she participated in a one-time survey for an entity called CHOP in Philadelphia. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Alexa Swetz is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at Merrill Lynch and a year at Bottle King. She also has experience from her time at Temple University and Hillsborough High School. 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. The firm offers a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Connor Zuch is a Planning Consultant at Fidelity Investments. In this role, he partners with clients to understand their goals and build tailored financial strategies. He provides proactive guidance, holistic planning, and disciplined execution to help clients navigate financial complexities with confidence. Connor has experience across multiple roles at Fidelity Investments, including Relationship Manager and Financial Representative. Prior to joining Fidelity, he worked as a Junior Financial Consultant at Tri-State Financial Advisors. His approach focuses on delivering clarity, accountability, and long-term value throughout clients' financial journeys.

Daniel Meehan is a Series 66-licensed financial advisor with UBS Financial Services, based in Mt. Laurel, NJ, and has 19 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, he is a partner at CDJ Partners LLC, where he is involved in creating and patenting a new delivery system for non-alcoholic and alcoholic beverages. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including principal trading, market-making, and affiliated banking and lending programs.

Phineas Meade is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been associated with Morgan Stanley Smith Barney and its related entities since 2009 and currently works at Morgan Stanley Private Bank, N.A. Meade is involved in real estate activities outside of his advisory role. 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. The firm uses a structured planning process supported by proprietary tools and serves clients through a variety of investment programs and strategies.

Thomas Penrose is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo in 2022, he worked at US Tech and was involved with Loriann, LLC. He also has five years of experience at Pennsylvania State University. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach 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.

Jonathan Traester is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 credential and has prior work experience at institutions including MITRE Corporation and Harvard Business School. He is also the owner of Flightline Capital Management LLC, through which he invests personal capital in entrepreneurial ventures and real estate opportunities connected to his business school classmates. 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 and an ESG eligibility framework to support its recommendations.

Hector Brown is a financial advisor at Primerica Advisors in Mt Holly, NJ, holding Series 63 and Series 65 credentials with six years of industry experience. He has been with Primerica Advisors since 2020 and was previously affiliated with Inrage Solutions LLC. Brown also has business activities involving sales of investment-related products and receives compensation for referrals related to loan products and home security services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, managing approximately $15.5 billion in assets through a network of nearly 3,700 financial advisors. The firm uses model-driven investment strategies and discretionary accounts supported by custodial services from Pershing and BNY Mellon Advisors.

Scott Jones is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Securities America and Investacorp Advisory Services. Jones is the founder of Genesis Wealth Advisor Group, LLC, through which he markets fixed insurance products and manages client investment accounts. He is also president of Jones Wealth Management Inc., a financial corporation handling payroll and revenue processing related to his advisory and insurance businesses. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm uses a variety of asset-allocation tools and manages diverse portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Karsten Holbein is Vice President and Financial Consultant at Fidelity, a position he has held since 2020. He has extensive experience in the financial services industry, having worked in various roles including Investment Management Associate at BlackRock from 2014 to 2020, Regional Manager at Lord Abbett between 2012 and 2014, Internal Wholesaler at Lord Abbett from 2010 to 2012, and Forex Specialist at Gain Capital from 2006 to 2010. His professional focus involves helping families identify their unique financial goals while educating them on common financial mistakes. Throughout his career, Karsten has developed expertise in investment management and financial consulting. Outside of his professional work, he engages in activities such as family events, fitness, social gatherings with friends, gardening, running, and traveling.

Kyle Michalski is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has been with MassMutual and its affiliated entities since 2024 and has prior experience in fitness and wellness-related roles, as well as positions in the food service industry and education. Outside of his advisory work, he has been involved with Funatics Fitness. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software and collaborative planning processes to provide written recommendations, with optional implementation services through brokerage or insurance arrangements.

Carla Christina is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she owns and operates Shorty Nelson Distillery LLC, a distillery and blending business based in Philadelphia. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a range of financial products that include insurance-related vehicles and bank deposit sweep options.

Daniel Fisher Jr. is a Series 66 licensed advisor with J.P. Morgan Securities in Philadelphia, PA, and has five years of industry experience. He has held positions at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018 and previously worked at the University of Florida and West Chester University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its process.

Michael Halliday is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at both Merrill and Bank of America since 2014 and 2015, respectively. 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 developed 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.

Kathleen Moore is a financial advisor at LPL Financial with 28 years of industry experience. She holds a Series 63 designation and previously worked for Next Financial Group, Inc. for 18 years. She is also a licensed notary and holds a non-variable insurance license. 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 advisory programs, financial planning, and retirement plan consulting, with access to model portfolios and research from various sources.

Nate Torres is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has previously worked at Fiduciary Trust International, Franklin Templeton, and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.