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.

Pasquale Rinaudo is a financial professional with 25 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Mid Atlantic Resource Group, Minnesota Life Insurance Co, and Securian Financial Services. Outside of his advisory role, he works as an independent contractor accountant and is involved as a salesperson with Ana's Floral Garden's Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Robert Mcneill Jr. is a financial advisor at Equitable Advisors with 16 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2010, including its predecessor entity Axa Advisors. Outside his advisory role, he is involved in healthcare insurance services through Medicare and coordinates disability and long-term care insurance agreements with multiple providers. Equitable Advisors serves a broad range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and a combination of proprietary and third-party advisory models and programs.

Lynch Hunt Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Merrill, Essex National Securities, Questar Asset Management, and PNC Wealth Management. 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 brokerage and advisory solutions supported by research and analytics aligned with diversification principles and modern portfolio theory.

David Peracchio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves primarily 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 investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and comprehensive due diligence on alternative investments.

Daniel Ronan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His background includes roles at Wells Fargo Bank and Pro Football Focus, as well as management experience in the hospitality sector. 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 offers a broad range of brokerage and advisory solutions supported by extensive research and analytics.

Aine Tomasso is a financial advisor at RBC Capital Markets with 13 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and City National Bank. Outside of her advisory role, she is the owner of a private company unrelated to investments. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles.

Dana Bitterly is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and its affiliate Morgan Stanley Private Bank, National Association since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Christopher Graney is a financial professional with 11 years of industry experience. He holds Series 65 and Series 63 designations and is currently with LPL Enterprise. Prior to this, he worked for The Prudential Insurance Company of America and PRUCO Securities, LLC. He is also involved with Garden State Financial Agency in insurance and investment sales. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and other entities, using model-driven portfolios and offering access to third-party managers alongside affiliated insurance and trust services.

David Wray is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Nicholas Chiarella is a financial advisor at Merrill with 8 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2013. 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 strategies for individuals, high-net-worth clients, and various organizational plans.

Tracy Buik is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 1985, working for several large firms before joining Merrill Lynch in 2015. Over her career, Tracy has worked with a diverse range of clients, providing her with the experience to address a wide variety of client needs. Her areas of focus include managing new wealth, portfolio management services, and tax minimization. Tracy holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Cranford High School. Outside of her professional role, she enjoys gardening, traveling, reading, and spending time with her family.

Anthony Codispoti is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 32 years of industry experience. Prior to joining Morgan Stanley, he worked at UBS Financial Services for 11 years. Outside of finance, he is the sole proprietor and head instructor of The Phoenix Way, a martial arts facility in Shrewsbury, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include investment advisory, estate planning, and access to various financial products.

Steven Goldsmith is a CFP® and ChFC® with 35 years of experience in the financial services industry. He is currently with OSAIC Wealth, Inc., having previously worked at LPL Financial for seven years and Ameriprise Financial Services, Inc. for 29 years. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, utilizing model-based asset allocation and portfolio optimization supported by various tools and strategies.

Philip Arnheiter is a financial advisor at LPL Financial with over 41 years of industry experience. He holds a Series 63 designation and has worked at several firms including Morgan Stanley, Wells Fargo Advisors, and Capitol Securities Management. Outside of his advisory role, he is involved in acting through his venture Friendly Faces and operates as a charter boat captain. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a broad network of over 22,800 advisors.

Al Raia is a financial advisor at Wells Fargo Advisors with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Advisors since 2007. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Vincent Hirsch is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior work includes a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities, using model-driven investment implementation and access to third-party asset managers and programs.

Samuel Harris is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Hornor, Townsend, & Kent LLC and within the sports and entertainment sector at Philadelphia Union - Keystone Sports and Entertainment LLC. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.