James B Daley Jr. is a financial advisor with UBS Financial Services in Somerville, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with UBS since 1995 and has prior experience at Prudential Bache Securities dating back to 1987. Outside of advisory work, he is president of a restaurant business and serves on the board of Camp Fatima, an organization providing free camps for special needs children and young adults. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory solutions that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research to tailor investment plans based on clients’ goals and risk tolerance.

Syeda Muzahir is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, N.A., PNC Bank, and ShopRite/Wakefern. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Roberto Ticzon is a financial advisor at LPL Enterprise with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Ticzon has been with LPL Enterprise since 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Andrew Barrow is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 63 and Series 65 designations. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Angela Varcadipane is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured discovery conversations and quantitative tools such as Monte Carlo simulations to support its planning process.

Joseph Rumore is a Series 66-registered financial advisor with Morgan Stanley, based in Morristown, NJ, and has 23 years of industry experience. He has been with Morgan Stanley and its affiliates since 2008, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support client outcomes.

Matthew Miller is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and over 25 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, previously working at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery and firm-approved tools, while the firm maintains a broad offering that includes relationships with investment companies, private funds, and commodity trading operations.

Christopher Purdue is a financial advisor at Morgan Stanley with 26 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously at Wells Fargo Clearing and Wells Fargo Advisors. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group.

Scott Taylor Sr. is a financial advisor at LPL Financial with 34 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Northwestern Mutual and MassMutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives, offering a range of financial planning, advisory programs, and brokerage services.

Michael Harvey is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has previously worked at Fidelity Investments and Northwestern Mutual, among other positions. He is also involved with Fit Wealth Management in an employee model capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios and research, with both discretionary and non-discretionary management options.

Judy Wolk is a Financial Consultant currently with Fidelity Investments, a position she has held since 2018. She has a comprehensive background in financial services, having held roles such as Relationship Manager and Financial Representative at Fidelity Investments. Prior to joining Fidelity, she held senior positions including Director and Senior Fixed Income Portfolio Manager at Bank of America Capital Management, and Director and Fixed Income Portfolio Manager at US Trust Company. Her expertise encompasses college saving strategies, financial and investment guidance, retirement planning, income strategies, and estate planning considerations. Her career has been focused on understanding clients' situations and needs to help them work toward their financial goals. Judy holds a California Insurance License.

Stephen Cassidy is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, with financial planning structured as annual collaborative relationships that utilize firm-approved analytical tools.

David Haney is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation. Haney has worked at Bank of America N.A. since 2023 and has been with Merrill since 2013. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Scott Tolochko is an Investment Consultant at Fidelity Investments since 2025. In this role, he focuses on financial planning, working closely with clients to develop personalized strategies that address their unique financial situations and goals. Scott's professional experience includes positions as a Financial Representative at Fidelity Investments from 2024 to 2025, a Wealth Advisor at Money at Work, LLC from 2023 to 2024, and a Financial Advisor Intern at Campania Wealth Management in 2022. His background reflects a progression of roles in financial advisory and investment consulting. Outside of his professional work, Scott has interests in fitness, golf, and soccer.

Stephen Murray is a financial advisor at Morgan Stanley with 13 years of industry experience. He has worked at Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, N.A. since 2016. Outside of his financial career, he plays guitar and sings. 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 strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models developed by its Global Investment Committee.

Gerald Dowling is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and retirement income. With a career spanning over 45 years, he works primarily with self-employed business owners and professionals to help them achieve their investment goals through retirement. Gerald’s expertise includes the selection of individual equities, municipal bonds, mutual funds, and ETFs. He entered the securities industry in 1979 and joined Merrill Lynch Wealth Management in 2005 following the acquisition of his previous firm. He holds multiple FINRA registrations, including Series 3, 7, 8, 63, and 65, as well as the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree from Fairleigh Dickinson University and an MBA from Seton Hall University. Gerald resides in Madison, NJ with his wife, Dori, and they have three grown children. Outside of work, he enjoys traveling, watching movies, and writing.

Lindsey Kohler is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 10 years of industry experience. She has worked at Morgan Stanley since 2019 and held prior positions at Summit Financial, Purshe Kaplan Sterling Investments, and several Summit-affiliated firms from 2016 to 2019. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and advanced planning tools, supporting clients with both direct and corporate financial planning services.

Ellen Ficacci is a financial advisor at Morgan Stanley with 39 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2020 and previously worked at RBC Capital Markets for 11 years. She holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools.

Daniel O'Sullivan is a financial advisor at MassMutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Barnum Financial Group and Compass Group. MassMutual 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, and educational seminars, using firm-approved software to develop written recommendations in collaborative client relationships.

Mary Emson is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, having started her career at Citigroup Global Markets in 1996. Emson is involved in family estate and investment planning through ownership and part ownership of entities focused on these areas, and she serves on the advisory board of Next Chapter, a finance-related organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs and financial planning services to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment research to support its advisory process.