Ashley Lucien is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has been with both Merrill and Bank of America, N.A. for over eight years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm leverages its integration with Bank of America to provide access to a broad range of products and services.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2012. Outside of finance, he was involved with Mordy's Smokehouse in 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

William Franko is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with MassMutual and its subsidiaries since 2017 and previously worked with ELANA advisory firms in 2016-2017. In addition to his advisory role, Franko owns and operates William Franko Tax and Accounting Services, providing tax preparation and accounting/bookkeeping services. MassMutual Investors Services, LLC 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 tools to deliver written recommendations focused on investment categories and strategies.

Anthony Liberatore is a Financial Consultant specializing in holistic financial planning. He holds the CERTIFIED FINANCIAL PLANNER® designation and works with individuals and families to develop tax-efficient investment strategies, retirement plans, income protection solutions, and long-term care planning. Anthony aims to serve as a lifelong resource not only for his clients but also for their extended networks. Anthony has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative, Investment Consultant, and Planning Consultant before his current position. His experience spans multiple facets of financial consulting, allowing him to provide comprehensive support tailored to his clients' needs. Outside of his professional responsibilities, Anthony has interests that include the beach, cars, concerts, movies, music, and pets.

Joseph Rosen is a financial advisor with Merrill holding a Series 66 designation and beginning his industry career in 2026. His prior work experience includes positions at Bank of America, Lululemon, Seamless Contacts, Warby Parker, and M&T Bank. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Felicia Malc is a financial advisor at Equitable Advisors with 16 years of industry experience. She holds the Series 66 designation and has been with Equitable Advisors since 2009, previously working with Axa Advisors, LLC. Malc is also involved in other insurance-related business activities with Guardian and Mass Mutual. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers, operating a hybrid model that combines advisory and brokerage/insurance channels.

Zachary Passman is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of financial advising, he writes, plays, records, and produces music on a freelance basis, including composing jingles for businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios, third-party subadvisors, and LPL Research.

Catherine Mannes is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 12 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Matthew Fletcher is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and having four years of industry experience. Prior to joining Mass Mutual in 2021, he worked at MAG Aerospace and AASKI Technology. Outside of his advisory role, he umpires travel baseball games in New Jersey. MassMutual Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars through structured, collaborative engagements.

David Gilmour is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Outside of Morgan Stanley, he is a partner at Gilmour Capital LLC, a healthcare-related business. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning conversations and advanced modeling tools, supporting clients in implementing and updating their financial plans.

Saverio Sestito is a financial advisor at LPL Enterprise with two years of industry experience. He holds the Series 66 designation and has worked at firms including The Prudential Insurance Company of America and Ernst & Young. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, model portfolio programs, third-party asset management, and access to brokerage and insurance products through an integrated platform.

Richard Shaughnessy is a Series 66-licensed financial advisor with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent five years at Ameriprise Financial Services, Inc. His outside activities include business-related roles connected to LPL operations and a limited involvement in non-variable insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management, incorporating research-supported model portfolios and multiple investment strategies.

Charles Hayes is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at various Morgan Stanley entities since 2008. Hayes serves on the finance committee of the Church of the Nativity in Fair Haven, New Jersey. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and offers a broad range of retail and institutional investment services.

Jeffrey Trause is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance services to accommodate diverse client needs.

Douglas Lauricella is a financial advisor with UBS Financial Services and holds a Series 66 designation. He has three years of industry experience and has also held positions at Cornell University, St. John Vianney High School, and Ranney School. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings through a network of Financial Advisors.

Robert Clayton Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at TFS Securities, Inc., The Investment Center Inc., and IC Advisory Services Inc. He serves as a board member of the Carmine Brady Foundation, a nonprofit charitable organization. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual planning engagements supported by firm-approved analytical tools and offers additional planning services such as divorce and estate-settlement planning.

Mateo Perez is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His prior work includes roles at Morey Organization and MassMutual Life Insurance Company. Outside of finance, he has experience working in a café and youth soccer camp settings. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and a variety of programs including estate and employer-sponsored planning.

Caroline Steiger is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad array of capital markets services.

Daniel Merker is a CFP® and PFS™ credentialed financial advisor with 14 years of industry experience. He is currently affiliated with Cetera, having joined the firm in 2025, and previously spent significant time at Avantax in various advisory and insurance roles. Outside of his advisory work, he assists with tax preparation and accounting through his involvement with Brendon Pierson, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser supporting 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, with access to various program structures and third-party money managers.

David Caruso is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory work, he serves as a board member and finance committee member for the Marco Island Art League in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Secular Return Estimates and Monte Carlo simulations.