Edward Karppi is a CFA® charterholder with 11 years of industry experience. He has worked at Verdence Capital Advisors, LLC since 2022 and previously spent six years at Mangham Associates, Inc. He serves on the investment subcommittee for St. Albans School’s endowment, focusing on asset allocation and investment fund review. Verdence Capital Advisors serves individual and institutional clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations. The firm employs a combination of fundamental, technical, and cyclical analysis to manage portfolios across various asset classes and offers specialized teams for family office services, sports and entertainment clients, and sub-advisory consulting.

Joanne White is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 31 years of industry experience. She previously worked at First Investors Corporation for 25 years and Foresters Advisory Services for three years. Joanne serves as secretary for both the Nelson Rotary Club and the Westwood Property Owners Association. Cetera Investment Advisers LLC is an SEC-registered firm that provides financial planning and portfolio management services to individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of program options and oversees more than $256 billion in assets managed by over 10,000 advisors nationwide.

Adam Rorrer is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 2006. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.