Moshe Lewis is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services, Capital One Investing, and UBS Financial Services. Outside of his primary role, he assists clients with insurance planning through fixed insurance products at Northeast Wealth Planning LLC. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services that include financial planning, managed portfolios, and retirement consulting. The firm’s investment approach is model-based, utilizing tools such as risk-tolerance questionnaires and portfolio optimization, with access to proprietary and third-party management strategies.

Vincent Rojas is a Certified Financial Planner® (CFP®) with 14 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds the Series 66 designation and is based in Hackensack, NJ. Outside of his advisory role, he serves on the Board of Directors and as Secretary & Treasurer for the Delaware State University Foundation, a nonprofit organization supporting academic programs and scholarships. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm utilizes a proprietary investment strategy methodology developed by its Investment Strategy Group to support asset allocation and financial planning decisions.

Benjamin Bartley Cohen is a financial advisor with UBS Financial Services, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining UBS, he was employed at InvestorCOM and has an academic background including four years at Binghamton University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor client plans. The firm combines institutional trading capabilities with wealth management services, operating across multiple regulatory roles and offering a broad range of financial products and solutions.

Terrance Stevens is a financial consultant currently working at Fidelity Investments since 2023. He has built a career in the financial services industry with over 12 years of experience. Throughout his career, Terrance has held various roles, including Senior Premier Banker, Premier Banker, and Relationship Banker at Wells Fargo from 2015 to 2023, as well as Financial Service Representative at Hudson Valley Credit Union from 2013 to 2015. His professional expertise focuses on assisting clients in achieving their financial goals through a client-centered approach. Terrance is committed to providing service that aligns with clients' unique needs, offering guidance and resources to help them manage their financial journeys effectively. Outside of his professional pursuits, Terrance enjoys fitness and traveling.

John Natoli is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Advisors and HSBC Securities. 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 and fund searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screening and qualitative research to build model asset allocations, with offerings that include derivatives and commodities capabilities.

Ray Donnelly is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services for nine years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved tools.

Jeffrey Goria is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019, following five years at Trident Brokerage Services LLC. Goria serves as a trustee in estate and trust roles outside of his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Kathleen Toolen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and 37 years of industry experience. She has worked at Raymond James since 2022, following prior roles at Merrill and UBS Financial Services. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Pantaleo Uva is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has previously worked at Prudential Insurance Company of America since 1981 and at Pruco Securities, LLC. during the same period. LPL Enterprise, LLC 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 employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

David Borer is a financial advisor at Merrill with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Merrill and Bank of America in 2025, he worked at Equitable Advisors from 2023 to 2025 and has experience in language education roles from 2013 to 2022. 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 serves individual, high-net-worth, and institutional clients, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Martin Mellman is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked at Osaic Wealth since 2023 and previously at Pleasant Valley Advisory and Royal Alliance Associates. Outside of advisory roles, he owns a CPA firm providing sales and administrative services. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm's investment approach uses model-based asset allocation, portfolio optimization, and a range of managed account strategies supported by risk tolerance and rebalancing tools.

Pauline Honecker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 22 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has prior experience with JPMorgan Chase Bank, N.A. from 2010 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their approach emphasizes non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

James Doctor is a financial advisor at Merrill in Saddle River, NJ, holding a Series 66 designation with one year of industry experience. He previously worked at Phone.com for eight years before joining Merrill and Bank of America in 2026. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Murphy is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2017, following prior roles at Morgan Stanley Private Bank 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research with a forward-looking approach to capital market assumptions.

Francis Dunn is a CFP® with 27 years of experience in financial advisory. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2019. Prior to this, he held positions at Merrill Lynch and Morgan Stanley. Outside of his advisory work, he provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs for municipal advising and SIMPLE IRA employer consulting.

Anthony Siciliano is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at Primerica Financial Services and PFS Investments Inc. He is involved in other business activities related to investment products and mortgage loan sales, and manages two legal entities formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Michael Norris is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Thomas Agnew is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 33 years of industry experience. He worked at Pruco Securities, LLC for 31 years before joining LPL Enterprise in 2024. Agnew is also involved in non-variable insurance activities through a Prudential-sponsored agency. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach, offers financial planning and consulting, and facilitates access to third-party asset managers and insurance products through affiliated entities.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.