Howard Horowitz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His work history includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and First Republic Investment Management before joining J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he is involved as a director and part-time operator of laundromat businesses in Morristown, NJ. 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 to its recommendations.

Gregory Carafello is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including First Republic Investment Management, Wells Fargo Clearing, and Wells Fargo Advisors. In addition to his advisory work, he is a partner and owner of a privately held ski resort. 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 an ESG eligibility framework.