Our Contributors
The Minds Behind Tomorrow Funded
Meet the professionals passionate about simplifying financial wellness.
Our contributors blend deep experience, creativity, and empathy, so you can trust every tip,
article, and tool is built with your best interests in mind.
Janel Cross, AIF®
Managing Partner, Align Financial Services Group
Janel Cross entered the financial industry in 2001 and later founded Align Financial Services Group, where she has extensive experience guiding retirement plan sponsors and participants through uncertain markets with clarity and care.
Janel Cross, AIF®
Managing Partner, Align Financial Services Group
Janel Cross entered the financial industry in 2001 and later founded Align Financial Services Group, where she has extensive experience guiding retirement plan sponsors and participants through uncertain markets with clarity and care. An Accredited Investment Fiduciary with a Master’s in Financial Services, she leads Align’s strategic direction and specializes in plan design, fiduciary support, and financial education. Her leadership has earned honors including NAPA’s Top Women Advisors “Captain”* and a Women of Influence Award**.
Outside of work, Janel champions community initiatives like LancasterMakes MFG Day and advocates for pet rescue with her husband and their seven animals. She’s a Rutgers alum who enjoys hiking, skiing, and helping people build lasting financial confidence.
https://brokercheck.finra.org/individual/summary/4469546
*2016 NAPA Top Women Advisors – Captain, created by NAPA. Presented in Oct 2016 for the previous year. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. Click here for most recent award information
**2018 WOMEN OF INFLUENCE AWARD, created by Central PA Business Journal This award is based on their professional experience, community involvement, leadership and sustained commitment to mentoring and is not specific to financial services and does not imply an endorsement, recommendation, or reflect the performance of the advisor. Click here for more information.
Tim DiSette, ChFC®, AIF®
Senior Partner, Infinitas
Tim DiSette, a founding partner of Infinitas, brings over 30 years of experience in retirement plan consulting, wealth management, and estate and business planning. He leads the firm’s retirement plan team and works closely with both employers and participants to support long-term financial readiness. Tim also advises individuals on retirement, investments, insurance, gifting, and estate strategies.
He has been recognized by Forbes as a Best-In-State Wealth Advisor and has earned multiple national honors specific to the retirement plan industry. Tim previously served on the Commonwealth Financial Network® Retirement Advisory Council.
Deeply committed to service, Tim has completed more than 15 mission trips to Honduras and helped establish scholarship and charitable programs for at-risk students.
https://brokercheck.finra.org/individual/summary/2202724
2026 Forbes Best In State Wealth Management Teams, created by SHOOK Research. Presented in Jan 2026 based on data from March 2024 to March 2025. Not indicative of advisor’s future performance. Your experience may vary.
Michael R. Paris, AIF®, CPFA
President, Paris International
Michael R. Paris, AIF®, CPFA, is President of Paris International, specializing in employee benefits consulting, wealth management, and financial planning. He holds FINRA Series 6, 7, and 63 registrations and is licensed in life and health insurance.
Based in New York City with his wife, Caroline, and twin sons, Owen and Levi, Michael is an avid basketball fan and participates in local leagues. He serves on the Commonwealth Financial Network® Retirement Advisory Council and has earned multiple honors, including Financial Times 401 Top Retirement Advisor, Forbes Best-In-State Wealth Advisor, and NAPA Top DC Advisor Team recognition.
https://brokercheck.finra.org/individual/summary/5087636
2017 - 2020 Financial Times 401 Retirement Advisers, created by Ignites Research. The 2020 award presented in October 2020 for the preceding 12 months. 855 Advisors were considered, 401 Advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. Click here for more award information.
2019 - 2022 Forbes Best In State Wealth Advisors, created by SHOOK Research. The 2022 award was presented in April 2022 based on data gathered from June 2020 to June 2021. 19,640 Advisors were considered, 6,500 Advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. Click here for more award information.
2019 - 2021 NAPA Top DC Advisor Teams, created by NAPA. The 2021 was presented in March 2022 for the previous year. All NAPA members with over $100 million in defined contribution assets under advisement made the list. 333 Advisors were recognized. Advisors pay a fee to hold out marketing materials. Not indicative of advisor’s future performance. Your experience may vary. Click here for most recent award information.
Mike Mammini, CFP®, CIMA®, AIF®
President, Mammini Company
Mike Mammini is President and owner of Mammini Company, where he serves as Senior Advisor for the firm’s major clients. A CERTIFIED FINANCIAL PLANNER® professional and Certified Investment Management Analyst (CIMA®), Mike has been in the financial services industry since 1988. He earned a B.S. in Business Finance from San Diego State University and brings decades of experience in wealth management and client advisory services.
Outside of work, Mike enjoys golfing, traveling with his wife, and staying active with pickleball. He and his wife, Elizabeth, have been married for 29 years and have two grown children: Mitch, who works at Mammini Company, and Lauren, a movie producer living in London.
https://brokercheck.finra.org/individual/summary/1739524
Bobby Cummings, CFP®, AIF®, CPFA, CFBS
President, Cummings Wealth Management Group
Bobby Cummings is President and Founder of Cummings Wealth Management Group, where he helps business owners and professionals pursue financial clarity and long-term success.
A CERTIFIED FINANCIAL PLANNER® professional, Accredited Investment Fiduciary® (AIF®), and Certified Plan Fiduciary Advisor® (CPFA®), Bobby created The Beacon Experience™, a personalized planning process designed to guide clients toward their goals with confidence.
Bobby has served as President of the South Carolina Financial Planning Association. Committed to giving back, he actively supports children’s charities and has served on the boards of local nonprofits.
He lives on Sullivan’s Island with his wife, Kristin, and their three children. Outside the office, Bobby enjoys surfing, fishing, and spending time with his Boykin Spaniel, Teal.
https://brokercheck.finra.org/individual/summary/2162075
Tom Cross
Participant Services Specialist, Align Financial Services Group
Tom brings 25 years of experience from retirement plan recordkeepers, giving him a strong, practical understanding of plan operations, administration, and participant support. He holds Series 6, 7, 63, and 66 registrations, plus a state insurance license.
At Align, Tom focuses on participant education, leading workshops, group meetings, and one-on-one sessions that simplify financial decisions and encourage confident saving. His own experiences navigating job loss during economic downturns fuel his commitment to making retirement planning approachable and fear-free.
A Kutztown University graduate and former two-time all-conference soccer captain, Tom still plays and coaches today. A proud Philadelphia sports fan, he is very proud of his volunteer work with his late therapy dog, Duncan.
https://brokercheck.finra.org/individual/summary/4066340
Zack DiSette, AIF®, CPWA®
Financial Advisor, Infinitas
Zack DiSette helps families and businesses pursue long-term financial freedom through tailored planning and investment strategies. Working alongside his father, Tim, and brother, Sam, he provides wealth management services to individuals and families, as well as retirement plan and business succession guidance for business owners.
A University of Alabama graduate in finance with a wealth management focus, Zack holds Series 7 and 66 registrations. He is passionate about building lasting relationships and helping clients reach their financial goals for themselves and future generations.
Outside of work, Zack enjoys the outdoors, hunting, family trips to Grand Lake, and cheering on the Crimson Tide.
https://brokercheck.finra.org/individual/summary/6514556
Matthew Rizzo
Wealth Planner, Paris International
Matthew Rizzo joined Paris International in 2020, bringing experience as a financial advisor since 2007. He specializes in helping individuals and small businesses plan for a secure retirement. Matthew holds a BS from Fairfield University, an MBA from St. John’s University, FINRA Series 7 and 63 registrations, and life and health insurance licenses.
Outside of work, he enjoys coaching youth sports, golfing, and spending time with his wife, Mary Beth, and their three children.
https://brokercheck.finra.org/individual/summary/5416965
Mitch Mammini, CFA®
VP | Institutional Consulting, Mammini Company
Mitch Mammini is an Investment Advisor for Mammini Company’s Retirement Plan and Taft-Hartley clients and helps manage portfolios on the firm’s advisory account platform. A CFA® Charterholder, he earned a degree in Financial Management from Cal Poly San Luis Obispo. Before joining Mammini Company, Mitch was a Senior Managing Associate at Bernstein Private Wealth Management in Los Angeles, serving high-net-worth clients.
A native San Diegan, Mitch lives in Leucadia with his wife, Jordan. He enjoys golfing, surfing, and spending time outdoors. An avid Padres fan and ocean advocate, he is a member of the San Diego Surfrider Foundation.
https://brokercheck.finra.org/individual/summary/6977796
Dallas Brewer, CFP®, CPFA®, RICP®, ChFC®, ChSNC®
Director of Retirement Services & Wealth Advisor, Cummings Wealth Management Group
Dallas joined Cummings Wealth in 2023 and has been in financial services since 2006, specializing in wealth management and retirement plan services. He holds a bachelor’s degree in accounting from Clemson University and maintains Series 6, 7, 63, and 65 registrations, as well as life & health insurance licenses. Dallas also holds several professional designations including the CFP®, ChFC®, RICP®, CPFA®, and ChSNC®.
Outside of work, Dallas is an accomplished local musician. He lives in Charleston with his wife, Alicia, their two children, and family dog Penny, enjoying the beach, concerts, and time with friends and family.
https://brokercheck.finra.org/individual/summary/5192924
Jesse Steffy, CPFA®
Lead Advisor, Align Financial Services Group
Jesse joined Align in 2010 and now leads retirement plan relationships, supporting smooth plan operations and the high-touch service Align strives to provide. He supports plan sponsors with day-to-day administration, coordinates with providers, and prepares key reports for investment and education reviews.
As a main point of contact for participants, Jesse answers inquiries, resolves issues, and explains financial concepts in clear, practical terms. His passion for financial education was shaped by graduating during a time of corporate scandals, motivating him to help people take control of their financial future.
https://brokercheck.finra.org/individual/summary/5759768
Sam DiSette, AIF®
Financial Advisor, Infinitas
Sam joined Infinitas in 2022. He is a Financial Advisor, focusing on data analysis, research, and cash flow planning simulations.
A University of Alabama graduate in Finance with a concentration in Value Investing, Sam grew up in a family of financial advisors and is passionate about helping clients achieve their goals. He also holds a Master of Italian Cuisine from the Italian Culinary Institute.
Outside of work, Sam enjoys cooking—competing in BBQ contests and preparing meals for family and friends—coaching the Master’s Swim Program at the Country Club of Leawood, and staying active through sports and intramural leagues.
https://brokercheck.finra.org/individual/summary/7480224