Susan Davis is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Merrill. Outside of her advisory role, she is a sole proprietor involved in property management and a partner in a family-owned real estate entity. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm integrates structured planning tools and various investment strategies while managing approximately $2.74 trillion in client assets.

Javier Lugo is a CFP® professional with 18 years of industry experience. He is currently with LPL Enterprise and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Lugo also serves as a financial planner on a team with Pesce Financial. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm uses primarily model-driven investment strategies and offers access to third-party asset managers, financial planning, and various insurance and custody services.

Frank Vella is a financial advisor with LPL Enterprise in White Plains, NY, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. His prior experience includes roles at Bay Crest Partners LLC and Chimera Securities, each for over a decade. In addition to his advisory work, he is involved in non-variable insurance business activities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is model-driven, featuring access to third-party asset managers, financial planning, and insurance services through affiliated entities.

Joseph Vogler is a Series 66-licensed financial advisor with UBS Financial Services in Paramus, NJ, where he has worked since 2011. He has 16 years of industry experience. Outside of his advisory role, he is a partner and director of sales at Bergen Tele, a digital advertising partnership serving local businesses. 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, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

James Lugo is a financial advisor with Wells Fargo Advisors in Pearl River, NY, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Lugo is involved as a finance committee member with the Bergen County Players and is also an actor with Phoenix Rising Productions PRP LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers comprehensive financial planning and investment services, using proprietary research and planning tools to create tailored recommendations across a broad range of client needs.

John Davis is a financial professional with LPL Enterprise and holds Series 66 and Series 63 designations. He has one year of industry experience, including prior roles at State Farm, National Securities Corp, and New York Life. He is also involved in non-variable insurance business activities through Prudential Advisors. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment strategies and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Christopher Hormaza is a financial advisor at Equitable Advisors with a Series 66 credential and one year of experience in the industry. His prior work history includes roles at Blinds To Go, AT&T, and T-Mobile. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a variety of asset management programs through a broad network of Investment Adviser Representatives. The firm utilizes third-party asset managers and advisory programs, providing clients access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Yanhong Li is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Axa Advisors LLC, First Heartland Consultants Inc., AIG, Equity Services, Inc., National Life Group, and MSI Financial Services, Inc. She also serves as a trustee for her husband's and mother's trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory programs, including third-party model portfolios and discretionary managers, and offers ERISA fiduciary services to qualified plans through credentialed advisors.

Krista Collins is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2024. She works closely with individuals and their families to develop investment and planning strategies aligned with their current financial goals and future aspirations. Krista invests significant time at the outset of each client relationship to gain a clear understanding of both their near-term priorities and long-term objectives. This approach enables her to support clients in pursuing important milestones and legacy plans. Her career in financial services includes roles as Vice President and Financial Consultant at Fidelity Investments from 2023 to 2024, Financial Consultant from 2016 to 2022, and Investment Consultant from 2014 to 2016. Prior to joining Fidelity Investments, Krista worked as a Client Service Associate at Edelman Financial Services from 2012 to 2014, and she spent nearly a decade at Equisearch Services in both client relationship and administrative roles. Krista's professional experience reflects a continuous commitment to client service and financial consulting, focusing on personalized investment strategies and long-term financial planning.

Annie Chen is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has a related role at MassMutual Life Insurance Co since 2016. Outside of her advisory work, she co-owns Eco Paper Products Inc., a business involved in the import and wholesale of paper bags. 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 ongoing financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning relationships.

Corrado Dell'aglio is a CFP®-designated financial advisor with Ameriprise, based in Valhalla, NY, and has 35 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Outside of advising, he serves as a principal of Valhalla Summit Associates Inc., a company involved in real estate lease holdings for Ameriprise advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach emphasizes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Seung Cho is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the CFP® designation and Series 63 and Series 65 licenses. Prior to joining his current firm in 2017, he worked at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Cho is also licensed as an insurance agent, offering life, property and casualty, health, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to analyze client goals and delivers written recommendations focused on investment categories and strategies.

Peter Ruvolo Jr. is a financial advisor with OSAIC Wealth, Inc., holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at OSAIC Wealth since 2006 and concurrently at Sanders Smith Ltd since 1994. Outside of his advisory role, he is president of Qualified Plan Solutions, an S Corporation. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, incorporating discretionary strategies, third-party managers, and proprietary models across various programs.

Gerard O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with the firm in 1999 and holds the Senior Vice President and Senior Financial Advisor titles. Gerard focuses on designing and implementing equity, fixed-income, and alternative investment strategies for retirement planning. He applies a goals-based approach to create comprehensive wealth management plans tailored to each client's objectives. Gerard also manages discretionary custom investment strategies and selects from a variety of Merrill model portfolios and third-party investment options. Gerard holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Montclair State University. Gerard collaborates with clients' attorneys, accountants, and other advisors on estate planning, financing strategies, and key transition events such as retirement, inheritance, and business sale. Residing in East Hanover with his family, Gerard has practiced martial arts for over 20 years and holds multiple black belts across eight disciplines. He competes in Isshin-Ryu, Jiu Jitsu, and Doce Pares tournaments. Gerard also has interests in baseball, boating, and football.

George Epitropakis is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked at LPL Enterprise and PRUCO Securities, LLC. He has also been employed in non-financial roles, including positions at Mendham Golf and Tennis Club and Rutgers University. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers integrated planning services through its Financial Advisors and specialized groups.

Jimmy Hernandez is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, JPMorgan Chase, and Edward Jones. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Mark Khorram is a financial advisor with Fidelity Investments in Chappaqua, NY, holding Series 63 and Series 66 credentials and one year of industry experience. His background includes roles at the University of Rhode Island, Hines Global Real Estate Investment Manager, and various other organizations. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, and employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Daniel Klippel Jr. is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at LPL Financial, First Hope Wealth Management, Raymond James Financial Services, and Wells Fargo Bank. 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 advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.

Osamah Mari is a financial advisor at Edward Jones with 26 years of industry experience. He previously spent 23 years at Alliance Capital before joining Edward Jones in 2024. Mari holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.