Michael Gannon is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market scenario modeling in its financial planning process.

Michael Lewandoski is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers, managing over $256 billion in assets.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked with Wells Fargo Financial Network LLC since 2009. Outside of his advisory role, he is a principal in JB Group LLC, where he dedicates significant time managing that business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with multiple financial product offerings.

Kimberly Penna is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, previously employed by Bank of America and Timberland. Outside of her advisory role, she operates a small business selling used clothing on eBay. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and corporations.

Bruce Linger is a CFP® professional with 38 years of experience in the financial services industry. He has been with Osaic since 2025, following a 35-year tenure at Lincoln Financial Advisors Corp. Outside of his advisory work, he is involved in several insurance-related ventures, including offering indexed and fixed indexed annuities and life settlements. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include various investment types.

Christopher Atlee is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 27 years of industry experience. His prior work includes roles at Credit Suisse Securities and Deutsche Bank Securities. 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 combines research from Wells Fargo Investment Institute with third-party analytics to inform its investment approach.

Rocco Manochio is a financial advisor at Ameriprise with 21 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to his current role at Ameriprise since 2020, he worked at Ameriprise Financial Services, Inc. from 2011 to 2020. He is also the owner of RM Financial Management, LLC, a business that manages the office of his financial planning practice. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.

Daniel Mccoy is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he serves as a baseball coach at Barnegat High School. Mass Mutual Investors Services, LLC 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 collaborative, annual financial planning engagements supported by analytical tools and educational seminars.

Charles Ahto is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with UBS since 2006. He also serves as trustee for the Candace Ahto trust, managing and overseeing the investment of assets and income distributions under the terms of the trust established by his father. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Paul Ha is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Anthony Parisi is a financial advisor with UBS Financial Services, holding a Series 63 designation and bringing 42 years of industry experience. He has been with UBS since 2013. 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, supported by proprietary research and a broad platform of capital markets products.

Barbara Koppelkiernan is a financial advisor at Mass Mutual Investors Services with 41 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, following a 33-year tenure at Metlife Securities Inc. She holds a Series 63 designation. Mass Mutual Investors Services, LLC 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, using a structured and collaborative approach to client engagements.

John Stephens Jr. is a financial advisor with LPL Financial who holds Series 63 and Series 66 designations and has 15 years of industry experience. He previously worked at Wells Fargo Clearing before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Norman Chevlin is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in fee-based insurance planning targeting small-company entrepreneurs and owns Plant Your Financial Seed, LLC, which offers property and casualty insurance. He also serves as an insurance broker with Broker's Choice America, focusing on life, long-term care, and fixed annuities. 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 ongoing financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning with a variety of investment and insurance implementation options.

Tyler Hobbs is a financial advisor with Ameriprise in Manahawkin, NJ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial, Park Avenue Securities, Guardian Life Insurance Company, and C & A Financial. In addition to his advisory work, he is involved in independent insurance brokering with MassMutual, focusing on whole life insurance. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset thresholds, combining research-driven, tax-aware strategies with algorithmic support to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Zorda is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management and the co-founder and senior partner of Branch-Zorda Wealth Management. He began his career in 2001 with the banking arm of a large European financial firm and shifted his focus to wealth management in 2003. He joined Merrill Lynch Wealth Management in 2008. Brian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Accredited Domestic Partnership Advisor (ADPA®) designation. He also carries the Personal Investment Advisor (PIA) and Sports & Entertainment (SE) professional designations. He graduated with honors from Siena College. Brian's expertise includes investment manager analysis, investment selection, creating customized asset allocation strategies, and helping business owners navigate employer retirement plan options for self-employed individuals and small businesses. He also assists clients with estate planning issues and wealth transfer questions. His client focus areas include executive compensation, endowments, foundations, non-profits, defined benefit plans, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, and socially responsible, values-based, and ESG investing. He lives in New York City with his wife and their two children. They enjoy traveling, spending time at the beach, and creating new memories and experiences. Brian has been named to the Forbes "Best-in-State Wealth Advisors" list for 2022 through 2025 and, as a member of the Branch-Zorda Wealth Management Group, has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2025.

Caren Miller is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Skye Gibson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2010 and works closely with clients to develop financial strategies tailored to their diverse goals and priorities. Skye's approach involves listening to clients' aspirations and breaking down complex tasks into actionable steps, helping them navigate both short- and long-term financial objectives. Skye holds a Bachelor's degree in accounting from the University of Delaware and a Master's degree in business administration from Syracuse University. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Certified Exit Planning Advisor (CEPA). While he does not provide legal or tax advice in his current role, he offers expertise in areas such as retirement income, portfolio management, and wealth planning. Beyond his professional duties, Skye has been involved in community initiatives, serving as a board member for the Hunger Foundation of Southern Ocean County and the Southern Ocean Medical Center Foundation. He also coaches youth flag football and travel basketball. Skye resides in Stafford Township with his wife, their four children, and three dogs. His personal interests include reading, golf, basketball, and casual fishing with his father.

Joseph Burkhard is a CFP® professional with 33 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and also works with Massachusetts Mutual Life Insurance Company. His prior experience includes 16 years with Metropolitan Life Insurance and Metlife Securities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Joshua Hillman is a financial advisor at RBC Capital Markets with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Ameriprise, Wells Fargo Clearing, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide tailored portfolio management, financial planning, and brokerage services through a mix of in-house and third-party investment managers.