Samuel Bond is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles within Wells Fargo Bank and Wells Fargo. 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.

Stephen Allerti is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been affiliated with J.P. Morgan Securities since 2012 and JP Morgan Chase Bank since 2011. Outside of his advisory role, he is an owner and partner of Ionic Digital, an online investment-related company. J.P. Morgan Securities LLC 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 in its recommendations.

Alana Kyprianou is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. She has worked at Wells Fargo Clearing since 2019 and has been with Wells Fargo Bank, N.A. since 2016. Prior to her financial services career, she worked at The Goddard School. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

Robert Pallitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Janet Oleary is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior work includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Transamerica Capital Inc, Princor Financial Services Corporation, and Principal Life Insurance Company. She has been with Merrill since 2020. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

John Cusate is a financial advisor at UBS Financial Services in Warren, NJ, with nine years of industry experience. He has been with UBS since 2016 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Jennifer Tarantino is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and 17 years of industry experience. She previously worked at LPL Financial and Morgan Stanley Private Bank. Outside of her advisory role, she is involved with several wealth management entities, including Fox Hill Wealth Management. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients meeting specific net-worth thresholds. The firm integrates advisory services with other financial products and referral channels, supporting diverse client needs.

Thomas Caprio is a financial advisor with LPL Financial, holding the CFP® designation and the Series 63 license, with 43 years of industry experience. He previously worked at Royal Alliance Associates, Inc. for 18 years and at Investment Advisors Asset Management, LLC for 16 years. Caprio is involved in non-variable insurance activities alongside his advisory role. 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 advisory and brokerage services, including financial planning and access to third-party asset management programs, with investment strategies that may be discretionary or non-discretionary, supported by proprietary research and technology tools.

Katherine Noonan is a Series 66-licensed financial advisor at J.P. Morgan Securities with 15 years of industry experience. She previously worked at Goldman Sachs & Co. for nine years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2024. 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 to guide its recommendations.

Thomas Foley Jr. is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as AXA Advisors. Foley serves as a board member and trustee for the Semper Fi Santa Foundation, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory programs and third-party asset managers to deliver customized investment solutions.

Eric Penna is a financial advisor with Ameriprise in East Brunswick, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2011. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, using a centralized consulting team to deliver written recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients and offers a range of advisory, brokerage, and insurance solutions through affiliated entities.

Ralph Costanza is a financial advisor with Merrill in Summit, New Jersey, holding a Series 63 designation and over 57 years of industry experience. He has been with Merrill Lynch and Bank of America since 2012. Outside of his advisory role, he serves as an advisory board member for the Fred J Brotherton Charitable Foundation. 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 investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Robert Di Dio is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs for 13 years. J.P. Morgan Securities LLC 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 in its recommendations.

Sami Wahid is a financial advisor with Wells Fargo Clearing in Middlesex, NJ, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank, JPMorgan Securities LLC, PNC, and Weichert Realtors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Joseph Torres is a Wealth Management Advisor with 35 years of experience serving affluent families, small businesses, institutions, and endowments. He holds the CERTIFIED FINANCIAL PLANNER® certification and is also designated as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His practice includes expertise in banking, estate planning, taxation, philanthropy, liability management, and portfolio management. A native of Staten Island, Torres graduated from Monsignor Farrell High School and earned a Bachelor's Degree in Economics from New York University. He is actively involved in the Staten Island community, holding committee positions and serving on the boards of organizations such as the Staten Island Economic Development Corporation, Staten Island Chamber of Commerce, South Shore Rotary, Richmond University Medical Center, Project Hospitality, Community Board 2, and The Noble Maritime Collection. Torres lives on Staten Island with his family. His personal interests include baseball, cooking, fishing, football, golfing, music, and photography. He values collaborative relationships in wealth management and focuses on developing personalized financial strategies to help clients pursue their long-term goals.

Philip Decarlo is a financial advisor at Morgan Stanley with 58 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. He holds a Series 63 designation. 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, including tailored financial planning that utilizes firm-approved tools and models to assist clients and employers in managing assets totaling approximately $2.74 trillion.

Peter Degiralamo is a financial advisor at Wells Fargo Advisors with 53 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010 and holds a Series 63 designation. 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 provides a broad range of planning services using proprietary research and tools, with advisory engagements typically structured as discrete projects.

Samuel Smith III is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 19 years of industry experience. He has worked at various firms, including Avantax Investment Services and multiple entities within Cetera, and maintains a concurrent role at Public Service Electric and Gas Company. Outside of his advisory work, he operates Taxsmiths LLC, providing individual and business income tax preparation, tax planning, and student financial aid consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with diverse program options and access to affiliated and third-party managers.

Brandon Sheh is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and having six years of industry experience. He has worked at MassMutual Investors Services since 2019 and MassMutual Life Insurance Company since 2018. Outside of his advisory role, he is also an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. 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 provides ongoing financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning using firm-approved analytical tools.

Michael Geltrude is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 credential and has experience at Deloitte and Geltrude & Company, LLC prior to joining Equitable Advisors. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models, with a focus on matching clients to appropriate investment solutions and providing ERISA fiduciary services to qualified plans.