Timothy Pepper is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at notable firms including Charles Schwab, TD Ameritrade, and E*TRADE. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic methods in its research and portfolio management.

Ty Costantino is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has prior experience in retail sales and insurance brokerage. Outside of advising, he is involved in buying and selling jewelry through Sansom Metals. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers using collaborative, goal-oriented planning supported by firm-approved analytical tools.

Ryan Maguire is a Series 66-registered financial advisor with Equitable Advisors in Philadelphia, PA, possessing five years of industry experience. His career includes roles at the Small Business Growth Alliance from 2013 to 2020 before joining Equitable Advisors. Equitable Advisors serves a diverse client base including individuals, corporate and institutional clients, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm uses various advisory models and third-party managers, offering a range of investment options and ERISA fiduciary services through credentialed advisers.

David Woody is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and five years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley, Iron Mountain, Hughes Enterprises, and Foothold Technology. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Eric Cardonick is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Outside of his advisory role, he works as a part-time independent contractor for DoorDash and participates in user research studies for User Interviews. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutional investors.

Antonio Bene is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. Prior to joining Fidelity, his work history includes roles at Subaru of America and Rowan University. Fidelity Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its advisory roles to registered investment companies and its use of systematic methodologies and AI-driven research.

Gary Devicci is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and ChFC® designations and over 49 years of industry experience. His prior experience includes more than a decade at Cantella and Co., Inc., and involvement with Comprehensive Insurance Programs Inc. Outside of his advisory role, he owns and operates several financial-related businesses in the Voorhees, NJ area. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a variety of portfolio management approaches and access to proprietary and third-party strategies.

William Rice Jr. is a financial advisor at Ameriprise with two years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Ameriprise, he worked at Legend Medical LLC and the Gloucester County Special Services School District. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Octavius Reid III is a financial advisor with Morgan Stanley in Marlton, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Outside of his advisory role, Reid serves on the board of the Rhythm and Blues Foundation and lectures for the National Basketball Association’s Rookie Transition Program. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Emily Hepburn is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the head of The Sterrett Hepburn Group. She works with individuals, couples, and families to help them deploy, grow, and transfer their wealth more effectively. Emily advises clients from diverse backgrounds, including executives, business owners, and professionals, with particular sensitivity to those experiencing significant life transitions such as marriage, divorce, retirement, or the sale of a business. Emily earned a Bachelor's degree in business with a concentration in finance from Boston University and holds the CERTIFIED FINANCIAL PLANNER™ designation. She has been with Merrill since 2009 and continues a family legacy in financial advising, following in the footsteps of her mother, Barbara Sterrett, who was a Merrill Advisor for 39 years. Emily's approach emphasizes education, empowerment, and a consultative process aimed at helping clients pursue their financial goals and establish their desired legacy. Outside of her professional work, Emily is involved with the Big Brothers Big Sisters of Massachusetts Bay. She enjoys spending time with her family, engaging in activities such as boating, cooking, gardening, golfing, running, and skiing.

Robert Murray is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2005. 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 plans, corporations, and charitable organizations.

Alexander Di Pietro is a financial advisor at Ameriprise Financial Services with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise since 2018. Outside of his advisory role, he officiates baseball games as an umpire. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Luke Herber is a financial advisor with J.P. Morgan Securities in Philadelphia, PA, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with J.P. Morgan entities since 2017, including JPMorgan Securities LLC and Jpmorgan Chase Bank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Gregory Klipstein is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2025. He previously worked at CCG Wealth Management LLC, JFS Wealth Advisors, LLC, and TD Private Client Wealth LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets with a network of more than 23,700 advisors, offering discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Nick Vaillancourt is the Vice President and Branch Leader at Fidelity Investments. In this role, he leads branch operations and focuses on fostering a collaborative approach to financial planning in client interactions. He has held leadership positions at Fidelity Investments since 2021, serving as Assistant Branch Leader before his current role. Prior to joining Fidelity, Nick was a Regional Sales Manager at Citizens Securities Inc from 2015 to 2021. Nick emphasizes contributing to a culture that empowers associates to reach their full potential through teamwork and effective financial planning.

Brett Mower is a financial advisor with UBS Financial Services in Mt. Laurel, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing fee-based financial planning, portfolio management, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and model-based asset allocations.

Daniel Pelosi is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and six years of industry experience. His prior roles include positions at Steele Financial Solutions, Wipfli Financial Advisors, and Merrill Lynch. He also worked at Abercrombie & Fitch and Best of Boston, and spent four years at Suffolk University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Yasir Gardner Sizer is a Series 66-credentialed advisor at J.P. Morgan Securities with less than one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, Hartford Funds, Under Armour, and Barnes & Noble Education, among others. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

John Grandizio is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Prior to joining UBS in 2020, he worked at JP Morgan Chase Bank and J.P. Morgan Securities from 2015 to 2020. He also has an interest in real estate, owning a rental property previously used as his personal residence. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a broad range of services such as market making, underwriting, and proprietary research.

Charles Glackin is a financial advisor with J.P. Morgan Securities in Philadelphia, holding Series 63 and Series 65 licenses and with 42 years of industry experience. Prior to joining J.P. Morgan Securities in 2020, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. In addition to his advisory role, he is also an employee of JPMorgan Bank, offering certain deposit and credit products. 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 applying an ESG eligibility framework in its investment recommendations.