Vincent Villodas is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Spencer Ernst is a financial advisor at Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses with approximately one year of experience at Morgan Stanley. His prior work experience includes roles at KeyBank, The Lubrizol Corporation, and Babson College, among others. He has also been involved with Coach Adam Fun LLC. 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 and financial planning services supported by structured discovery conversations and firm-approved tools.

Andrew Cushman is a financial advisor based in Greenwich, CT, affiliated with Morgan Stanley. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. Cushman has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Drew Miller is Vice President, Wealth Planner at Fidelity Investments, where he currently develops personalized strategies tailored to clients' retirement objectives, financial situations, and long-term goals. He has held this role since 2022. Prior to this, he served in various capacities at Fidelity Investments including Financial Consultant and Planning Consultant roles between 2021 and 2022. Before joining Fidelity, Drew worked at Prudential Financial as a Retirement Counselor from 2016 to 2021 and as an Annuity Wholesaler from 2011 to 2016. He holds a California Insurance License. Outside of his professional responsibilities, Drew's personal interests include fishing, golf, hiking, skiing, and tennis.

Patrick Henry is a CFP® with 22 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products alongside advisory services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, offering a comprehensive suite of advisory and brokerage services.

Eric Hood is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior experience includes roles at Morgan Stanley and E*TRADE Securities LLC. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Kenny Santos is a financial advisor with Merrill and holds a Series 66 designation. He has one year of industry experience and previously worked at Equitable Advisors. Outside of finance, he has experience working at companies such as Uber Eats and DoorDash. 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 offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Michael Grand is a CFP® with 20 years of industry experience. He is currently a financial advisor at OSAIC and has previously worked at Fidelity Investments and Pacific Investment Management Company LLC (PIMCO). Outside of his advisory role, he serves as a director on the board of a Manhattan residential cooperative and founded RevUp Private Wealth, LLC. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and offers both discretionary and non-discretionary portfolio management options.

Stephen Steinthal is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent eight years with Fieldpoint Private Securities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Patricia Mcginley is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning solutions.

Kieran Morris is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, Morris teaches lacrosse to children in Bronxville, New York. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers its services both directly to individuals and through corporate financial planning agreements.

Pamela Chasin is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following seven years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that incorporate various modeling techniques without recommending individual securities.

Linda Schoff Coletti is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2023. She works closely with clients to develop and implement financial plans tailored to their goals and objectives, utilizing Fidelity's comprehensive resources. With over 25 years of experience in Wall Street and financial planning, Linda has held various roles including Financial Consultant at Fidelity Investments from 2018 to 2023, Vice President Investment Counselor at David Lerner Associates from 2016 to 2018, and Senior Vice-President Institutional Sales at Cantor Fitzgerald from 2001 to 2009. Her extensive background also includes positions such as Vice President Nasdaq Trading at Robertson Stephens & Company and Nasdaq Trader at Cantor Fitzgerald. Throughout her career, Linda has gained expertise in wealth growth, protection, and transfer, drawing upon her diverse experience across the financial services industry.

Carolina Mcgoey is a financial advisor at Morgan Stanley with a Series 66 designation and 16 years of industry experience. She has worked at Morgan Stanley since 2015, including seven years with Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved with The Real Real, Inc. and is a partner in Bayview 360 LLC, a rental property and recreation business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broad investment offerings.

Richard Hirsh is a financial advisor with Ameriprise in Greenwich, CT, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he serves on the Board of Directors for the Fairfield Beach Resident Association. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported advice primarily for clients holding assets in Ameriprise Managed Accounts.

Asher Kennedy is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Frank Newman is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding CFP® and ChFC® designations along with a Series 66 license. He has five years of industry experience, including prior roles at MassMutual Life Insurance Co and MML Investors Services, LLC. Newman also works as an independent insurance agent specializing in life, fixed annuities, disability, long-term care, and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring engagements around annual collaborative relationships with clients.

Alvaro Talayero is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials. He has recently begun his career in the industry, having joined Morgan Stanley in 2025 after roles at GBS Finance and AndBank. He also has experience in education and organic product sectors, including at Harrow School and LA Organic. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analysis to support client financial planning.

Leonard Gabbidon is a financial advisor at UBS Financial Services with 18 years of industry experience. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Gabbidon is also a notary public in Bronx, NY. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances.

Stacey Borenkoff is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial and estate planning. The firm employs a structured planning process using approved tools and offers broad retail and institutional investment services.