Steven Ayers is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and JPMorgan entities. 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. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes a focus on ESG eligibility frameworks.

Michael Omelio is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His career includes roles at firms such as Invest Financial Corporation, Investors Bank, VOYA Financial Advisors, and Wells Fargo Clearing before joining J.P. Morgan Securities. He is based in Summit, NJ. 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 combines quantitative screening and qualitative research, incorporating an ESG eligibility framework and broader derivatives and commodities capabilities.

Adam Kay is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Pruco Securities, The Prudential Insurance Company of America, Ameriprise, and Equitable Advisors. Outside of his advisory role, Kay is a member of the United States Coast Guard Auxiliary. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Frank Leloia is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been helping clients since 2007. With over 30 years of experience as a registered representative and financial advisor, he focuses on providing personalized wealth management strategies tailored to each client's goals and risk tolerance. Frank specializes in areas such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Frank holds a Bachelor's Degree from the Pennsylvania State University System and carries the Personal Investment Advisor (PIA) designation. He works closely with clients' other professional advisors to provide comprehensive tax strategies and to assist in the development of estate plans. His approach emphasizes building lasting relationships based on trust, transparency, and exceptional service. Residing in Long Valley, New Jersey for the past 24 years with his wife Beth and their two children, Nick and Jack, Frank is committed to participating in the communities he serves. He dedicates time to volunteering with local organizations and enjoys personal interests including baseball, basketball, billiards, football, golfing, reading, spending time with family, and traveling.

Taylor Pollio is a Financial Consultant at Fidelity Investments, a role held since 2026. Prior to this position, Taylor served in various capacities at Fidelity Investments, including Planning Consultant (2025-2026), Investment Consultant (2024-2025), Financial Representative (2023-2024), and Financial Services Representative (2023). This progression reflects a continuous commitment to the financial services industry and experience in client-focused roles. Taylor's professional approach centers on empowering individuals to achieve financial success and security through personalized strategies and comprehensive planning. The focus is on integrity and a commitment to excellence to guide clients toward their financial goals while ensuring they feel comfortable and confident throughout the process. Outside of professional responsibilities, Taylor has interests in baseball, cars, football, social events with friends, and golf.

Jake Surma is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 12 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent three years with MetLife Securities Inc. Additionally, Surma is involved in the sale of individual and group life, health, disability, dental, long-term care, and Medicare-related insurance products. 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, money-manager programs, and educational seminars.

Jason Sprung is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 registrations and bringing 37 years of industry experience. Prior to joining Wells Fargo Advisors in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 14 years. He is also the owner of JMS Capital Corp, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services tailored to clients who meet specific net-worth criteria. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Patricia Fontan is a Series 66-licensed financial advisor at Morgan Stanley with five years of industry experience. She previously worked at Merrill Lynch for 12 years and has been with Morgan Stanley since 2017, including a brief period at TRX Transaction Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis as part of its advisory services.

Jeffrey Berns is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by proprietary tools and a structured process, managing approximately $2.74 trillion in client assets.

Daniel Pilone is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prudential Insurance Company of America and Pruco Securities. His other business activities include part-time involvement in property and casualty insurance as well as health insurance sales and service. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, third-party asset manager access, and insurance product sales through affiliated entities.

Armando Dirienzo is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2016. Outside of his advisory work, he is a partner and 25% owner of Pebble in Your Shoe LLC, which operates a franchise called Stumpy’s Hatchet House, and he is also a co-owner of Tac House LLC, an entertainment venue. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning with a structured recommendation process and incorporates a defined investment universe shaped by affiliated product relationships.

Aaron Fant is a Series 66-registered financial advisor with UBS Financial Services in Westfield, NJ, where he has worked since 2015. He has 11 years of industry experience. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Zachary Hayn is a financial advisor at UBS Financial Services with two years of industry experience. He previously worked at Grow America for one year and has a decade of experience managing Salty Dog Bar & Grill. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a range of products supported by proprietary research and capital markets expertise.

Joseph Reilly is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services from 2015 to 2022 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering advice without individual security recommendations as part of standalone plans.

Richard Jambrina is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at UBS Financial Services for 15 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs supported by firm-approved tools and investment models, managing approximately $2.74 trillion in client assets.

David Mera Hernandez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and currently serves at Bank of America, N.A. since 2022. Prior to his financial services career, his background includes roles at Planet Honda, Fastenal Company, BJ's Wholesale, and Rutgers University. 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.

James Hofmann is a CFP® professional with 15 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He also owns and operates Information Technology Recycling, LLC, a business he has been involved with since 2011. Additionally, Hofmann serves as a committee member of the Sussex County GOP Republican Committee in Byram Township, NJ. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jeffrey Steinmann is a CFP®-certified financial advisor with 26 years of industry experience. He has been with OSAIC since 2018 and previously worked for John Hancock Mutual Life Insurance for 20 years. Outside of his advisory role, he serves as a varsity ski team coach in Rye, New York. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with portfolio optimization tools and offers both brokerage and advisory services across multiple program types.

Oscar Manrique is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at Wells Fargo Advisors Financial Network LLC for 16 years before joining Raymond James in 2026. He is also the sole owner of Castleton Wealth Management, an investment-related business based in Staten Island, NY. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, institutional, and high-net-worth clients. The firm provides non-discretionary, tailored investment consulting using analytical tools and supports a broad network of advisors in addressing various client needs.

Sean Stevens is a Series 66-licensed financial advisor with Morgan Stanley in Morristown, NJ, where he has worked since 2016. He has 10 years of industry experience, primarily within Morgan Stanley Private Bank and Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to develop financial plans.