Agnieszka Kolbusz is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at UBS Financial Services and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its planning process uses structured discovery conversations and firm-approved tools, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Ethan Stewart is a CFP® and holds a Series 66 license with four years of industry experience. He is currently with Charles Schwab & Co., Inc., where he has worked for three years. His prior experience includes roles at Merrill and various positions outside the financial industry. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios, alternative investment due diligence, and centralized operational infrastructure.

Joyce Wajda is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1986. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Yitzchak Goldsmith is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 18 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2015. In addition to his advisory role, he is also engaged as a sales agent in life and group health insurance. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Philip Rachmelowitz is a financial advisor with Cetera based in Lakewood, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long-term roles at Avantax Advisory Services, Avantax Investment Services, and Avantax Insurance Agency. In addition to advisory work, he operates a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Charles Sergewick is a financial advisor with Merrill based in Toms River, NJ, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Merrill since 2014 and concurrently with Bank of America, N.A. since 2015. 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 plans, corporations, and charitable organizations.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Michael Cassidy is a Series 66-licensed financial advisor with Equitable Advisors and has two years of industry experience. Prior to his current role, he served for over two decades with the West Orange Police Department. Outside of finance, he is involved in local politics as Vice Chair of the Hanover Township Republican Committee and Vice President of the Hanover Township Republican Club. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, institutions, and charitable organizations. The firm employs a range of advisory models implemented through third-party managers and offers ERISA fiduciary services without sponsoring its own wrap fee program.

Patrick Parrino is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior work includes roles at TFS Securities, Inc., Equitable Advisors, and T3 Trading Group, LLC. Outside of his advisory work, he sells sports cards on eBay. Fidelity Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Aigy Hasegawa is a financial advisor with J.P. Morgan Securities who holds the Series 66 designation and has 10 years of industry experience. Hasegawa has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

Henry Pozo is a financial advisor with J.P. Morgan Securities in Lakewood, NJ, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Previously, he was involved with New Horizon Legacy Group LLC and Envios Sin Fronteras. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Richard Widmer is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He previously worked at Jalinski Advisor Group and TFS Securities, Inc., and serves as Vice President of TFS Mortgage Corp, overseeing operations in the mortgage industry. 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, and institutional investors.

Matthew Sura is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has been in the financial industry since 2026. Prior to joining Raymond James, he worked at Santander Bank, Citizens Bank, and TD Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs.

Christopher Santopietro is a financial advisor with Merrill and holds a Series 66 designation. He has nine years of industry experience, including his current role at Merrill and Bank of America since 2017. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Alberico Sessa is a financial advisor at Morgan Stanley with 30 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. and MORGAN STANLEY SMITH BARNEY LLC since 2023, and spent 11 years at UBS Financial Services. Outside of advisory work, he is involved as a partner in real estate ventures through AA Belmar Real Estate LLC and Sessa-Kopcha Family LLC. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in assets and offering tailored planning supported by firm-approved tools and methodologies.

Todd Speedy is a Series 66 credentialed financial advisor with 24 years of industry experience. He has worked at Equitable Advisors since 2002, including time under its former name, Axa Advisors, and briefly at UBS Financial Services. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a range of third-party and proprietary investment models.

Anthony Cifelli III is a financial advisor with Ameriprise, holding a Series 66 license and five years of industry experience. His background includes roles at Ameriprise Financial Services and Wells Fargo Advisors Financial Network, as well as three years at Stockton University. Outside of his advisory work, he is involved in Independent Insurance Brokering and owns Superior Senior Solutions, LLC, which focuses on Medicare insurance. He also collects, buys, sells, and trades sports cards. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement-income planning advice through a written Recommendation Report and ongoing annual reviews, emphasizing dependable income sources and tax-aware withdrawal strategies.

John Feiden is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has previously worked at Scottrade, Inc. and PNC Investments. Outside of his advisory role, he is a part-time drummer in a classic rock band. 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 a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Linn is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 13 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he coaches tee ball and first-grade basketball in his local community. LPL Enterprise serves a broad client base including individual investors, high-net-worth clients, employer-sponsored retirement plans, and various institutional entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by internal and third-party strategists, and offers financial planning, consulting, and access to third-party asset managers.