Brett Froman is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 65 registrations and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bryan Cryder is a CFP® and holds a Series 66 license with 12 years of industry experience. He has been with UBS Financial Services since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Stephen Cohen is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 37 years of industry experience. He previously worked at Metlife Securities Inc. for 18 years before joining Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company. He is also a licensed insurance agent offering life, disability, long-term care, fixed annuities, health, dental, and group disability income products, and is an attorney though not actively practicing. 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 provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to analyze client goals and recommend investment strategies without discretionary authority.

Marni Handel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at firms including Merrill, LPL Financial, Merit Financial Advisors, Trivium Point Advisory, Gladstone Wealth Partners, and The Herbst Group, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Carla Harris is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley and its Services Group since 2013. Harris is also an author and speaker, having written the book *Expect to Win* and regularly presenting on its themes both internally and at external events. She serves on the boards of Walmart and Cummins, Inc. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Alba Iris Santana is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to her current role, she has held positions at Wavemaker, Let's Get Ready, and Union College. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Angela Bertorelli Casullo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. She is also a commissioned notary public in the state of New York. 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 solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Shawn Danziger is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and over 33 years of industry experience. He has been with Cambridge since 2019 and previously worked at FSC Securities and operated his own advisory business. Outside of advising, he owns Summit Advisory Group, through which he acts as an independent insurance agent and business partner. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services. The firm provides various portfolio management options through a network of independent professionals, utilizing both proprietary and third-party strategies tailored to client objectives.

Sarah Ruth Paltiel is a financial advisor at Morgan Stanley with 26 years of industry experience. She has worked at Morgan Stanley since 2009 and previously held positions at Citigroup Global Markets and UBS Financial Services. Outside of her advisory work, she sells homemade cake mixes to friends and creates knitting patterns offered through an online platform. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market estimates to support its financial planning process.

Michael Darragh is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at Axa Advisors for 11 years. Outside of his advisory role, he operates as an independent insurance agent specializing in life, disability, long-term care, fixed annuities, and health insurance. 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, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services and educational seminars.

Elena Ferrante is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2019, including time at UBS Financial Services and William Raveis Real Estate. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Andrew Florio is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Merrill. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Jordan Garofalo is a financial advisor at UBS Financial Services with Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Wilson Elser and Marist College. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets functions.

Maria Simon is a financial advisor with Ameriprise who holds Series 63 and Series 65 registrations and has 25 years of industry experience. She has been with Ameriprise and its affiliated entities since 2010. Outside of her advisory role, she is involved with Sapphire Management, LLC in a non-investment-related capacity. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with significant investable assets. Its approach includes detailed, algorithm-supported recommendations on income, Social Security, and tax strategies, delivered through a centralized consulting team in collaboration with the client’s advisor.

Brian Mancusi is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Knight Capital Americas and Trimark Securities prior to joining J.P. Morgan in 2017. J.P. Morgan Securities LLC 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Maria Papanicolaou is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2022. Her prior experience includes roles at International Seaways Inc and Mixology Clothing Co. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a non-discretionary, research-driven process that integrates quantitative asset-allocation modeling and centralized due diligence.

Lance Mcginnis is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise Financial Services, Oppenheimer, and Citigroup Global Markets. His practice is based in New City, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory approaches and client needs.

Madeline Weinfeld is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and six years of industry experience. She has been with Morgan Stanley since 2018 and previously worked at Cornell University from 2015 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct plans and Corporate Financial Planning agreements.

Joseph Praino is a financial advisor at LPL Financial with 33 years of industry experience. His prior work includes roles at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., and Chase Investment Services Corp. He holds Series 63 and Series 65 licenses. 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, model portfolio programs, third-party asset management, and institutional platforms.

Stephen Flamio is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. He has previously worked at Morgan Stanley and Vanguard in addition to his current role. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements using firm-approved software and offers specialized services such as divorce planning and estate settlement.