Louis D'Angelis is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and 48 years of industry experience. He previously worked at Oppenheimer from 2006 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, he is involved in selling non-variable life insurance. 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 broad range of financial planning and investment management services, utilizing both discretionary and non-discretionary strategies supported by technology and research resources.

Jack Reich is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 45 years of industry experience. He has been with Equitable Advisors and its predecessor Axa Advisors since 1999. Outside of his advisory work, Reich is a band member of Sinai Sessions. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives and third-party managers.

Gregg Trentham is a financial advisor at Morgan Stanley with 24 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Scott Ashley is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as 15 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Christine Weber is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Primerica in 2021, she worked at Santander Securities, LLC and Santander Bank. Outside of financial advising, she owns and manages retail and sales businesses, including Miscellany Overhaul, LLC, and THE GOAT'S HAUL, LLC. Primerica Advisors is a firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that uses model-delivery strategies and discretionary management, supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Richard Cobe Jr. is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2009. Prior to that, he was employed at HSBC Securities, Banc of America Investment Services, and Quick & Reilly. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools and a broad non-advisory financial services platform.

Laura Pechfelder is a Series 66 licensed financial advisor with 21 years of industry experience. She is currently with UBS Financial Services and previously worked at Merrill and Preferred Pediatric Orthopedic Surgery. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Christian Carbajal is an advisor with Equitable Advisors and holds the Series 66 designation. He has been with Equitable Advisors since 2026 and has prior experience in a variety of roles outside the financial industry, including positions at Blooming Brands Inc./Bone Fish Grill. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a variety of advisory programs, many implemented through third-party managers, and offers ERISA fiduciary services for qualified plans.

Irene Europa is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she works as a mathematics tutor through the Department of Education's Champion Learning program. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Tim Beckemeyer is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Robert Desfosses is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with Merrill since 1984 and concurrently with Bank of America since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutions.

Edward Noonan is a financial advisor at LPL Enterprise with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively with Prudential Insurance Company of America and Pruco Securities, LLC throughout his career. LPL Enterprise provides 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’s investment approach is typically model-driven, offering access to third-party asset managers, financial planning, and participation in wrap programs.

Melissa Naylor is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has 16 years of industry experience and has worked at firms including Morgan Stanley and First Allied Advisory Services. Outside of her advisory role, she is involved in paraplanning and insurance sales activities. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Lucy Coyle is a Series 66-licensed financial advisor with LPL Financial, where she has worked since 2005, accumulating 26 years of industry experience. She provides insurance products aside from variable annuities as part of her financial planning services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through its large network of advisors, combining advisory and non-advisory financial services.

Steven Fornasieri is a financial advisor with Ameriprise Financial Services, Inc. in Wyckoff, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise since 2005. Outside of his advisory work, he is involved in managing two small business entities related to office services and professional expense flow-through. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team that delivers tailored, non-discretionary recommendations using a combination of research, modeling, and tax-efficiency analysis, with a focus on Ameriprise-managed accounts.

Andrew Young is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Advisors and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process utilizes centralized due diligence combining quantitative and qualitative analysis, with certain portfolio services offered through affiliated entities.

Melanie Balikjian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with specialized services such as private funds and structured products.

Scott Covitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on constructing individualized financial strategies that address all areas of his clients' financial well-being, including asset allocation, education funding, retirement planning, insurance analysis, debt management, and banking resources. Scott has been recognized on The Forbes "Best-in-State Wealth Advisors" list, including most recently in 2025. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from West Virginia University. He is also a member of Sigma Alpha Mu. In addition to his professional work, Scott is involved with St. Jude. His personal interests include baseball, golfing, hiking, spending time with his family, traveling, and yoga.

Jeanne Gagliardi is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2020, following positions at Ameriprise Financial Services, National Asset Management, and National Securities Corporation. Outside of her advisory work, she serves as a notary public. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to guide its investment approach and provides a range of brokerage and advisory solutions.

Anthony Sambrato is a CFP® professional with 18 years of experience in the financial services industry. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Company, having joined in 2025 after prior roles at USI Securities, Inc., USI Consulting Group, Lincoln Financial Advisors Corporation, Wealth By Design, and Valic Financial Advisors. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, annual financial planning relationships without discretionary investment authority.