Rakesh Agrawal is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. Outside of advising, he is involved as a real estate salesperson with LOVI Real Estate LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers a range of financial planning, asset management, and insurance services.

Shenghua Wang is a financial advisor at LPL Enterprise with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Prudential Insurance Company of America and MSI Financial Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Michael Troicki Jr. is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001 and Bank of America, NA since 2009. 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.

Laura Osifchin is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill since 2018. Prior to her current role, she was involved with Lean Out Communications LLC and Avantor, Inc. She has also had a fiduciary role outside of her advisory work. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers both model-based and discretionary strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.

Huiqing Gu is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of advisory work, she is active as a sales agent in insurance brokerage, specializing in individual and group life, health, dental, disability, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, annual planning engagements.

Raymond Rudorfer is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. His current role at LPL Financial began in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing models, third-party subadvisors, and customized strategies supported by technology tools, and it oversees over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.

Peter Costello is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Advisors and its related entities since 2016. Outside of his advisory role, he has ownership interests in two investment-related businesses based in Westfield, New Jersey. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory solutions with other financial products and referral channels.

Daniel Del Guercio is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual, Alton Lane, Quintiles, and Health Fitness Corporation. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and delivers written recommendations focused on investment categories and strategies.

Jack Lind is a financial advisor with Charles Schwab in Bridgewater, NJ, holding Series 63 and Series 66 designations and 25 years of industry experience. He has previously worked at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Lind has been with Charles Schwab and its affiliated entities since 2018. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Damjan Djuric is a financial advisor with J.P. Morgan Securities in Summit, NJ, holding Series 63 and Series 65 credentials and seven years of industry experience. He has worked exclusively within JPMorgan entities since 2016, including roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, supported by various J.P. Morgan affiliates.

Jack Carroll is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Prior to joining Merrill, he worked at UBS Financial Services, Inc. for two years. His background also includes involvement with the University of Maryland Men’s Basketball program. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Brosnan is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2000, currently operating out of Bridgewater, NJ. Prior to joining Bank of America, N.A. in 2026, he spent over two decades with Merrill Lynch. 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.

Amelia Christina Wolfe is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 1992, including a decade at J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

Anthony Ruscetta is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. His prior work experience includes roles at Hobart and William Smith Colleges and other diverse positions outside the financial industry. 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.

Laurence Haiken is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in wealth management in 1993 after graduating from Rutgers University with a bachelor's degree in Economics. He spent 12 years managing fixed income portfolios for high net worth individuals, institutions, and hedge funds at J.B Hanauer & Co. Laurence joined Bank of America in 2005 and transitioned to Merrill Lynch Wealth Management in 2009. Laurence has experience working with clients such as C-suite executives, entrepreneurs, business owners, and wealthy families. He focuses on understanding clients' business and family needs to provide customized advice, guidance, and strategies aimed at helping them achieve their financial goals. His client focus areas include college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, portfolio management, small business strategies, and retirement income. He coordinates efforts with Merrill Lynch, Bank of America professionals, and outside advisors such as attorneys and tax professionals to streamline his clients' financial lives. He holds professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Laurence is involved with professional organizations such as the Black Professional Group (BPG) and the Tri-State Black Executive Leadership Team (BELT NJ) at Bank of America. Outside of work, he has coached youth lacrosse and football and volunteers with teens and young adults transitioning from higher education to the workforce as well as those affected by addiction and mental illness. Laurence resides in Warren, New Jersey, with his wife Laurie, their four children, and five dogs.

Soumit Sarkar is a CFA® charterholder with 16 years of industry experience. He currently serves as a financial advisor with Cambridge Investment Research Advisors and has previously worked at firms including The Investment Center Inc, Center Street Securities, and HSBC Securities (USA) Inc. Outside of his advisory role, he owns several businesses involved in consulting, life settlements, and acts as an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers along with proprietary model strategies.

Kaylee Guerra is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Financial Advisor at Merrill Lynch from 2017 to 2024. In her current position, she collaborates with clients to develop customized financial plans tailored to their unique family needs, focusing on strategy identification and ongoing communication. Kaylee holds a California Insurance License, supporting her ability to advise clients on insurance-related financial matters. Outside of her professional work, she has interests in board games, comedy, family activities, football, pets, and softball.

Justin Skarbnik is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 22 years of industry experience. He previously worked at Citigroup Global Markets and Morgan Stanley Dw Inc. 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.

Stephen Ng is a financial advisor at Osaic with 34 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Osaic in 2023, he worked for SagePoint Financial, Inc. for 14 years. Outside of his advisory role, Ng is the author of a financial guidebook and serves on the board of trustees for a nonprofit church. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools and offers a range of managed account options and third-party investment programs.

Richard Schwartz is a financial advisor at Morgan Stanley with 45 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Merrill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory services.