Julian Zapata is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held roles at Citibank, as well as various positions outside finance including culinary and hospitality work. 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 a range of clients including individuals, high-net-worth clients, and institutional accounts.

Christina Coleman Erwin is a financial advisor with Morgan Stanley, holding Series 63, 65, and 66 credentials and bringing eight years of industry experience. She has also worked at First Horizon since 2012 and has professional experience with the State of Tennessee starting in 2004. Outside of financial advising, she is a 10% owner and Secretary of Erwin Logistics LLC, a cargo van business delivering medical supplies and other products across the U.S. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of investment and advisory services through its broad platform.

Elad Rahamim is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked with various Wells Fargo entities since 2010. Outside of his advisory role, he is involved in house flipping and holds ownership in several investment-related entities. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services. The firm offers customized recommendations using proprietary research and tools, with services covering cash-flow, retirement, education, risk, and wealth transfer planning, among other specialized areas.

Joseph Verone is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Morgan Stanley since 2022. His prior roles include positions at Guidehouse, Oxley Capital Management, and Tabula Rasa HealthCare. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering financial planning and estate strategies supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer agreements.

Javier Lugo is a CFP® professional with 18 years of industry experience. He is currently with LPL Enterprise and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Lugo also serves as a financial planner on a team with Pesce Financial. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm uses primarily model-driven investment strategies and offers access to third-party asset managers, financial planning, and various insurance and custody services.

Frank Vella is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 licenses and 36 years of industry experience. His prior roles include positions at Bay Crest Partners LLC and Chimera Securities. Vella is also involved in non-variable insurance activities as an investment representative. LPL Enterprise, LLC offers 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 utilizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and insurance products through affiliated entities.

James Lugo is a financial advisor with Wells Fargo Advisors in Pearl River, NY, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Lugo is involved as a finance committee member with the Bergen County Players and is also an actor with Phoenix Rising Productions PRP LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers comprehensive financial planning and investment services, using proprietary research and planning tools to create tailored recommendations across a broad range of client needs.

Dongni Cai is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and less than one year of industry experience. Her prior work includes roles at New York University, WebMD, and The Cincinnati Insurance Companies. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides planning primarily in an advisory capacity.

John Davis is a financial professional at LPL Enterprise with one year of industry experience. He holds Series 63 and Series 66 licenses. His prior work experience includes roles at State Farm, National Securities Corp, New York Life, and G4S. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities. The firm employs primarily model-driven investment strategies and offers access to third-party asset managers, financial planning, and affiliated insurance and trustee services.

John Malarney is a Series 66 licensed financial advisor at J.P. Morgan Securities with seven years of industry experience. His prior roles include positions at Private Wealth Management BlockFi, UBS Financial Services, and Morgan Stanley. 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 brokerage, distribution, and investment management capabilities.

Yanhong Li is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at several firms including Axa Advisors LLC, First Heartland Consultants Inc., and MSI Financial Services, Inc. Li serves as a trustee for family trusts, including those for her husband and mother’s special needs, indicating involvement in personal fiduciary roles. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives, utilizing a range of third-party asset managers and advisory programs tailored to client risk profiles and objectives.

Krista Collins is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2024. She works closely with individuals and their families to develop investment and planning strategies aligned with their current financial goals and future aspirations. Krista invests significant time at the outset of each client relationship to gain a clear understanding of both their near-term priorities and long-term objectives. This approach enables her to support clients in pursuing important milestones and legacy plans. Her career in financial services includes roles as Vice President and Financial Consultant at Fidelity Investments from 2023 to 2024, Financial Consultant from 2016 to 2022, and Investment Consultant from 2014 to 2016. Prior to joining Fidelity Investments, Krista worked as a Client Service Associate at Edelman Financial Services from 2012 to 2014, and she spent nearly a decade at Equisearch Services in both client relationship and administrative roles. Krista's professional experience reflects a continuous commitment to client service and financial consulting, focusing on personalized investment strategies and long-term financial planning.

Philip Baity is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities since 2009, including a decade at JPMorgan Chase Bank, N.A. Outside of his advisory role, he is an owner and president of Flywheel Seeds LLC, a family pooled investment vehicle, and a private equity investor in Glassbeam, Inc. J.P. Morgan Securities 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 manager due diligence and applying an ESG eligibility framework in its recommendations.

Kevin Kennedy is a financial advisor with J.P. Morgan Securities in West Harrison, NY. He holds Series 63 and Series 65 licenses and has less than one year of industry experience. His prior work includes roles at Oppenheimer, Bessemer Trust, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Corrado Dell'aglio is a CFP®-designated financial advisor with Ameriprise, based in Valhalla, NY, and has 35 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Outside of advising, he serves as a principal of Valhalla Summit Associates Inc., a company involved in real estate lease holdings for Ameriprise advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach emphasizes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kristoffer Carseni is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at Morgan Stanley, Bank of America, and Merrill. 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Peter Ruvolo Jr. is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 66 licenses. He has 32 years of industry experience, including a 20-year tenure with Osaic Wealth and ongoing affiliation with Sanders Smith Ltd. Outside of his advisory work, he serves as president of Qualified Plan Solutions, a non-investment-related S corporation. Osaic Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering brokerage and advisory services, financial planning, retirement consulting, and managed account solutions. The firm employs asset-allocation tools and multiple third-party platforms to construct diversified portfolios and supports legacy program transitions.

Jimmy Hernandez is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, JPMorgan Chase, and Edward Jones. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.