Lucy Johnson is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2022, following a ten-year tenure at UBS Financial Services. Outside of advisory work, Johnson is involved with Advocare, a wholesale distribution business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Steven Borenstein is a financial advisor with Morgan Stanley in Marlton, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at CitiGroup Global Markets Inc. since 2007. Borenstein serves on the Board and the Investment and Finance Committees of Temple Beth Shalom, a nonprofit organization in Cherry Hill, New Jersey. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes the use of firm-approved tools and scenario modeling.

Laura Borba Sampaio is a financial advisor at Merrill with a Series 66 designation. She has been with Merrill since 2024 and has additional experience at Bank of America, N.A. beginning in 2026. Outside of finance, she has worked in various industries including hospitality and transportation. 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 and profit-sharing plans, corporations, and charitable organizations.

Jon Schappell is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2005, including time when the firm operated as Axa Advisors, LLC. Outside of his advisory role, he is involved with Ashar Group, which focuses on life settlements. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Cole Vanderwerf is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. In addition to his advisory role, he is licensed as an insurance agent for individual life insurance sales. 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, using firm-approved software and collaborative annual planning processes.

Kevin Oneill is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 33 years of industry experience, including roles at MassMutual Life Insurance Company and MetLife Securities. Outside of advising, he owns Bittersweet Investors LLC and works as an insurance agent specializing in individual life, health, and group insurance products. MassMutual 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 financial planning, asset management, and educational seminars with a focus on collaborative, goal-oriented client relationships.

Daniel Baratz is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. His prior experience includes roles at Zenith Financial Group LLC, Sowell Management Services, and American Portfolios Financial Services Inc. Outside of advisory work, he is involved in managing a travel agency, LD Travel LLC, which primarily assists friends and family with travel arrangements. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of investment advisory programs and maintains a large nationwide network of advisors and branch offices.

Stephen Donovan is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and 38 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 advice. 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 in its investment menus.

Benjamin Bauer is a financial advisor with MassMutual Investors Services in Newtown Square, PA, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining MassMutual in 2021, he worked with Method Hockey and the Roanoke Rail Yard Dawgs. Outside of his advisory role, Bauer coaches youth hockey for the Team Philadelphia Youth Hockey Club. MassMutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved tools and collaborative annual planning engagements.

Michele Girgenti is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at several firms, including UBS, Fidelity Investments, Innovative Investment Fiduciaries, and Wells Fargo Advisors. Outside of her advisory role, Michele processes accounts payable on a part-time basis for Baldwin and Obenauf Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Jonathan Jaraiedi is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Company. In addition to his advisory work, he is also an insurance agent handling individual life, property/casualty, health, group life, and group health insurance. Mass Mutual Investors Services 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, focusing on collaborative, goal-oriented planning without discretionary investment authority.

Jason Rodriguez is a financial advisor with Wells Fargo Clearing in Philadelphia, PA, holding Series 66 and Series 63 designations and 13 years of industry experience. He has worked at Goldman Sachs & Co. for 12 years. Rodriguez serves as a committee member for Covenant House in Philadelphia. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources with diversification principles and modern portfolio theory in its investment approach.

Teresa Welsh is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. She has been with Raymond James & Associates since 2016. 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, institutional investors, and charitable organizations, offering financial planning and advisory services supported by extensive research and a variety of portfolio management styles.

Mark Kirsch is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Outside of his advisory role, Kirsch is a partner in Innovative Planners, LLC, a business management entity handling shared expenses and insurance commissions. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative annual planning relationships.

Stephen Kostyk is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His career includes roles at MML Investors Services LLC and MassMutual Life Insurance Company since 2019. Outside the financial sector, he operated Kostyk Auto Detailing, LLC for three years. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without discretionary investment authority.

Michael Stagliano is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 34 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 across more than 14,000 advisors and provides both brokerage and advisory solutions.

Dante Pinckney is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch since 2018. Prior to his current role, he worked at Enterprise Rent-A-Car and attended Rowan University. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Unger is a financial advisor with Mass Mutual Investors Services and holds the CFP® designation along with Series 63 and Series 65 licenses. He has 36 years of industry experience, including roles at MassMutual Life Insurance Company and MetLife Securities. Outside of his advisory work, he is a musician who occasionally performs in a band. Mass Mutual Investors Services 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 offers collaborative, annual financial planning engagements using firm-approved software and educational seminars.

Meghan Petaccio is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. Her previous roles include positions at Citizens Bank, Cetera Investment Services, Investors Bank, and The Prudential Insurance Company of America. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, offering services primarily in an advisory capacity without individual security recommendations in standalone plans.

Patrick Goodwin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved with Pair of Harts Parking, a business he has been associated with since 2009. 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 advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.