Kyle O'Bryan is a Financial Consultant at Fidelity Investments, where he partners with clients to develop and implement financial strategies focused on efficiency, income generation, and comprehensive wealth planning. He applies his understanding of capital markets, risk management, and long-term client relationships to create tailored investment plans. Kyle has been with Fidelity Investments since 2018, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. Prior to joining Fidelity, he worked as a Financial Professional at AXA Advisors in 2018. Outside of his professional work, Kyle's interests include fitness, golf, running, skiing, and traveling.

Patrick Maguire is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 15 years of industry experience. He previously worked at Bank of America and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering advisory programs with tailored portfolio management, financial planning, and brokerage services.

Daniel Holdt is a financial advisor at Equitable Advisors with 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves on multiple nonprofit boards including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. Equitable Advisors serves individual and institutional clients by offering financial planning, retirement plan consulting, and asset management programs. The firm emphasizes matching clients to program models or discretionary managers and provides ERISA fiduciary services through credentialed Investment Adviser Representatives.

Gregory Yaksta is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2021, following prior roles at Wells Fargo Clearing Services LLC, PNC Investments, and Aeon Funds. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering combined advisory, brokerage, custody, and cash-sweep services. The firm’s model features primarily non-discretionary client relationships supplemented by access to discretionary separately managed accounts and a multi-asset investment approach with centralized operational support.

Michael Boudway is a CFP® with 18 years of industry experience, currently advising at Cetera. His work history includes roles at Securian Financial Services, Minnesota Life Insurance Company, Allied Wealth Partners, and Alpine Wealth Planning LLC, where he is also the owner of an expense management business. He is a member of the Donville Rotary Club, engaging in community outreach activities. Cetera Investment Advisers LLC serves a broad range of clients including individual investors, employer‑sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi‑manager investment platform with discretionary and non‑discretionary portfolio management, financial planning, and access to third‑party money managers.

Michael Simon is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with RBC Capital Markets and previously worked at UBS Financial Services Inc. for 17 years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Richard Niederhaus is a financial advisor at Stifel with 41 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014 and holds a Series 63 designation. Stifel serves a broad range of clients including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Steven Waxgiser is a financial advisor with Stifel, holding a Series 63 designation and 36 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and was previously with Wells Fargo Clearing from 2016 to 2020. Outside of his advisory role, he serves as co-executor for his mother’s estate. Stifel serves a diverse client base, including individuals across wealth levels, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Noe Ramirez is a Financial Advisor at Merrill Lynch Wealth Management. He partners with business owners, professionals, and families to help them make informed decisions regarding their financial goals, including college education planning, executive compensation, equity compensation services, managing new wealth, portfolio management services, tax minimization, and retirement income. Ramirez focuses on creating personalized strategies that bring together various financial elements such as equity compensation, stock positions, investment management, and assets spread across multiple institutions. Ramirez holds a Bachelor's Degree from Ramapo College and has earned the Personal Investment Advisor (PIA) designation. He is a member of professional organizations including Alpha Kappa Psi and Sponsors for Educational Opportunity (SEO). Fluent in English and Spanish, Ramirez emphasizes understanding clients' current situations and objectives to guide them through thoughtful financial decisions. Outside of his professional role, Ramirez enjoys basketball, cooking, and spending time with his family.

John Hughes is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at City National Bank and Wells Fargo Clearing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies, combining in-house and third-party investment resources and a range of portfolio management and financial planning services.

Paul Damico is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked at Cetera, Allied Wealth Partners, Securian Financial Services, and Mass Mutual in various advisory roles. Outside of his advisory work, he is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and various specialized program options.

William Pretory is a financial advisor with Cetera Wealth Services LLC, holding Series 63 and Series 65 registrations and 21 years of industry experience. His prior roles include positions at LPL Financial and Invest Financial Corporation. He is also active as Director of Planning at Wealthspring Financial Partners LLC and as a Wealth Management Advisor at Nisivoccia Wealth Advisors LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a nationwide network of independent advisors, providing a broad range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers multiple program options and investment platforms, including model portfolios, third-party managers, and customized strategies.

David Spicka is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings extensive experience from his prior 31-year career at Prudential, where he specialized in Fixed Income Asset Management advising large institutional investors. David joined Merrill Lynch in 2021, applying his expertise in risk management and investment consulting to serve high net worth individuals and families. His professional approach emphasizes combining an understanding of clients’ goals with disciplined risk management and a collaborative team effort. David holds a Bachelor's degree in Mathematics and Economics from Rutgers College and earned a Master of Business Administration with concentrations in quantitative finance and financial markets from NYU Stern School of Business. He is a Chartered Financial Analyst (CFA) charterholder as well as a Personal Investment Advisor (PIA). Throughout his career, David has focused on areas including college education planning, family wealth management strategies, retirement income, and liquidity management. He also works closely with clients’ legal and tax professionals to develop integrated wealth management plans. Outside of his professional commitments, David lives in Succasunna, New Jersey with his wife and three children. He has interests in cooking, fishing, football, and hiking. David is involved with the New Jersey Innovation Institute, part of NJIT, contributing to community initiatives.

Mark Stierman is a financial advisor at Stifel with 29 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves on the boards of Temple B'Nai Abraham and Jewish Family Services of Central New Jersey. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, providing guidance intended to support client decision-making.

Michael Hazen is a Series 66 licensed advisor with Merrill, based in Succasunna, NJ, and has three years of industry experience. His prior roles include positions at Bank of America, ConnectOne Bank, and Capital One Bank. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Timothy Whyte is a CFP® professional with 29 years of industry experience, currently serving at Morgan Stanley in Morristown, NJ. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include estate planning and tailored financial strategies.

Nicholas Zades is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has worked at several firms including Prudential Insurance Company of America and Pruco Securities. Outside of finance, he has experience in education and the hospitality industry. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Jeffrey Andrews is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. 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.

Jarett Greben is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 credentials with three years of industry experience. His prior work includes roles at Graph Strategy, New York City Health and Hospitals, United Health Care, and other firms. Outside of advisory work, he is a partner in JGCS Sports LLC, a business focused on selling and trading sports cards and memorabilia online. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm‑approved tools and modeling techniques.

Steven Oroho is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Investment Services, Nisivoccia Wealth Advisors, and Cadaret, Grant & Co., Inc., among others. Outside of financial advising, he serves on the board of a nonprofit corporation that owns local newspapers and is an elected board member at Centenary University. Cetera Investment Advisers LLC is a large, SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with a broad range of program options and over $256 billion in assets under management.