Kelly Kalas is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with RBC Capital Markets since 2009 and also worked at City National Bank beginning in 2026. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that combine discretionary and non-discretionary portfolio management with financial planning and brokerage services, using both in-house and third-party investment managers to tailor strategies according to clients’ risk profiles.

Mark Zawistowski is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch since 2018. Outside of finance, he has experience in the restaurant industry, including roles at Haven Riverfront Restaurant, Grove Square, and HopsSotch. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Alex Musat is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He has been with J.P. Morgan Securities since 2012 and with JPMorgan Chase Bank since 2011. Outside of his advisory role, Musat is involved in renovating and selling real estate as a private business activity. 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 includes quantitative and qualitative due diligence and incorporates ESG criteria in its recommendations.

Julian Cho is a financial advisor at Morgan Stanley with 16 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2017 and previously held positions at JPMorgan Securities, LLC and JPMorgan Chase Bank from 2014 to 2017. Morgan Stanley Wealth Management provides a range of advisory programs for individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include model-based outcome projections and estate planning strategies.

Wendy Wasilewski is a financial advisor with Wells Fargo Clearing, bringing 36 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent three years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Jeffrey Yoanides is a CFP® with 44 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2021. His prior experience includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He also owns and operates a financial services business, Jeffrey Yoanides, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, using Wells Fargo research and planning tools to develop tailored recommendations. The firm offers a broad range of planning services that address diverse client needs, including specialized areas such as business-owner transition planning and special-needs analysis.

Carmel Mcpartland is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 16 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning that incorporates structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through various advisory arrangements and affiliated entities.

Steven Tirpak is a Series 66-licensed financial advisor with Equitable Advisors in Morristown, NJ, where he has worked since 2002. He has 24 years of industry experience and previously worked with Axa Advisors, LLC. Outside of his advisory role, he is involved in an outside insurance business with The Hartford. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Steven Szmak is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. He is also the sole proprietor of Albri, LLC, an investment-related business based in Flemington, New Jersey. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model outcomes.

Jayashree Balasubramanian is a Series 66-registered advisor at J.P. Morgan Securities with three years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2023 and previously held roles at Carecentrix and 24/7 Real Media. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, incorporating forward-looking market assumptions and ESG criteria.

Gerard Scorziello is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He has held positions at A. G. Edwards & Sons, Inc., Morgan Stanley DW Inc., and Wells Fargo Clearing prior to his current role. Outside of his advisory work, he serves as a board member on the City of Clifton Board of Adjustment and works as a wine consultant for the Flow Wine Group. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include cash-flow, retirement, education, and niche services such as business-owner transition and special-needs analysis. The firm integrates advisory services with other financial products and referral channels.

John Schmitt is a financial advisor with UBS Financial Services in Westfield, NJ. He holds Series 63 and Series 66 designations and has 40 years of industry experience. He has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Timothy Erday is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, Erday serves as a board member and trustee for the Summit Education Foundation and participates in finance and estate planning roles for various trusts and local organizations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold, delivering recommendations supported by proprietary research and planning tools.

Judith Kaufman is a Series 66-licensed financial advisor with 20 years of industry experience. She is currently with Merrill and Bank of America, where she has worked since 2022. Her prior experience includes roles at Morgan Stanley, UBS Financial Services, and Morgan Stanley Smith Barney. Outside of her professional work, she serves as Treasurer for the Parent Teacher Organization at Calvin Coolidge Elementary School. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Stephanie Maione is a financial advisor at Fidelity with Series 63 and Series 66 licenses and eight years of industry experience. Her work history includes roles at Prudential Insurance Company of America, Pruco Securities, and Fidelity Investments. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Patricia Muha is a financial advisor with Wells Fargo Advisors in Warren, NJ, holding a Series 66 designation and bringing 16 years of industry experience. She has worked at Wells Fargo Advisors since 2018 and previously spent 12 years with Ameriprise Financial Services, Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm’s services include a broad range of planning options tailored to clients meeting certain net-worth thresholds, supported by proprietary research and planning tools.

Matthew Millahn is a Financial Advisor at Merrill Lynch Wealth Management with 17 years of experience in the financial services industry. Licensed as a Financial Advisor since 2012, he works directly with individual clients, families, and small businesses to provide guidance on achieving their financial goals. Matthew focuses on areas such as education planning, executive compensation, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, and tax minimization. He begins by understanding his clients' priorities and helps develop strategies to pursue their short-, mid-, and long-term financial objectives. Matthew serves as a resource for general investing, retirement planning, and unexpected financial needs, offering access to Bank of America specialists for banking, credit, home financing, and small business solutions. He holds a Bachelor's Degree from Ramapo College of New Jersey, an Associates Degree from County College of Morris, and professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional work, Matthew enjoys spending time with his fiancé Jessica, their pets, and is expecting their first child in Thanksgiving 2024. He stays active through daily exercise and competitive baseball, participates in his local community by volunteering monthly at the Animal Humane Society in Newark, and previously served seven years as a Trustee on the Lake Stockholm Country Club & Community Association board. His personal interests also include cooking, gardening, and following sports teams such as the Philadelphia Eagles, Brooklyn Nets, and New York Mets.

Alyson Whelan is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual and its subsidiaries in 2026, she worked at Bank of America and Merrill. Outside of finance, she owns and teaches at Viva String Studio LLC, where she provides violin instruction. Mass Mutual Investors Services 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, and educational seminars, focusing on collaborative, goal-based strategies without discretionary investment authority.

Jonya Langley is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2019 and was previously a homemaker from 2015 to 2019. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Guza is a financial advisor at Morgan Stanley in Morristown, NJ, with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Previously, she was with Citigroup Global Markets from 2007 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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 and scenario modeling as part of its financial planning process.