Donald Ross is a Wealth Management Advisor with over 30 years of experience in financial and wealth management. He provides services focused on money management and estate planning, assisting clients with personal and corporate investment strategies, retirement planning, and corporate executive services. As a member of the RS Group, he aims to connect clients' personal goals to financial strategies tailored to their needs. Mr. Ross holds a Bachelor's Degree from Rutgers University. He has earned the designation of Personal Investment Advisor (PIA). In addition to his professional responsibilities, he serves as the coach for the Rutgers University Men's Rugby Club and is involved in community activities including volunteer work with the VA New Jersey Health Care System at East Orange Hospital. Outside of his professional and community engagements, Donald Ross enjoys sailing with his wife and three children. His personal interests also include ice hockey, traveling, and yoga.

Nicholas Azzopardi is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized wealth management strategies tailored to their unique goals and priorities. Nicholas employs a relationship-driven approach to help clients navigate important financial decisions with clarity and confidence, focusing on long-term financial success. He earned his bachelor's degree from Wagner College, where he was a Division I lacrosse student-athlete, and later obtained his Master of Business Administration (MBA) from the same institution. Nicholas holds the Professional Investment Advisor (PIA) designation. A lifelong resident of Wayne, New Jersey, Nicholas values building lasting relationships within his community and is dedicated to providing personalized guidance and thoughtful strategies that help clients manage financial complexity and stay focused on their most important goals.

Jacob Buchanan is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked previously at Webull Financial and Select Dental Management. Outside of his advisory role, he assists with management and administrative services for family business entities focused on real estate and financial affairs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and global research to tailor plans aligned with client goals and risk tolerances. The firm’s platform includes wealth management, institutional trading, and capital markets services.

Scott Hosier is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since January 2001 and has held various leadership roles, including management positions in the Wayne office since 2007 and serving as Resident Director in the Upper Montclair office in 2011. In his current capacity, Scott focuses on helping clients navigate significant financial decisions by providing personalized strategies tailored to their priorities and goals. His areas of expertise include family wealth management strategies, managing new wealth, portfolio management services, and retirement income. Scott graduated with a Bachelor's degree from Wheaton College in 1993. He earned his Chartered Retirement Planning Counselor℠ (CRPC®) designation in August 2006 and holds several other professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott has also conducted seminars on topics such as estate planning services, retirement plan assets, and college 529 planning throughout northern New Jersey. Residing in Midland Park, New Jersey, Scott lives with his wife, Mary, and their four children: Jacob, Jillian, Karalyn, and Caleb. He has been actively involved in his community, serving as Chairman of the Board at Young Life Bergen County for over two years and coaching many of his children's sports teams. In his personal time, Scott enjoys music, photography, traveling, listening to podcasts, and spending time with his family.

Siobhan Langa is a Financial Consultant currently working at Fidelity Investments since 2020. She is focused on developing strong relationships with clients by understanding their unique goals, needs, and concerns to assist them in working toward and maintaining sound financial plans. Prior to her current role, Siobhan accumulated experience in product management at UBS Financial Services from 1995 to 2012. Her professional background spans various aspects of financial services, contributing to her expertise in the field.

Evan Pulliam is a financial advisor at Fidelity with five years of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors and Serino Coyne (Omnicom Group). Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies and its integration of advanced technologies such as AI in its research.

Thomas Cox is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Louis Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Prudential Insurance Company of America since 2000 and Pruco Securities, LLC from 2000 to 2024 before joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional services including financial planning, access to third-party asset managers, and affiliated insurance and trust custody offerings.

Karina Vega Gonzalez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing six years of industry experience. Her prior roles include positions at TD Private Client Wealth LLC and various TD Bank entities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Brent Jackson is a Financial Consultant currently working at Fidelity Investments since 2024. Prior to this role, he served as a Financial Consultant I at Fidelity Investments from 2021 to 2024. His financial advisory experience also includes positions at MassMutual from 2019 to 2021 and Axa Equitable from 2018 to 2019. Additionally, Brent was a Branch Manager at OneMain Financial from 2006 to 2018. Throughout his career, Brent has focused on understanding clients' priorities to develop personalized financial plans aimed at achieving their current and future goals. He emphasizes building lifelong relationships and fostering trust with those he works with. Outside of his professional work, Brent engages in family activities and enjoys fishing, football, and movies. He is also involved in volunteering.

Ralf Lennon is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera Investment Advisers since 2016. Outside of his financial career, he owns and manages a home improvement business specializing in bathroom remodeling and tile installations. Cetera Investment Advisers serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account management.

Avinoam Efraim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services, Mass Mutual Life Insurance Company, and MSI Financial Services, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs, alongside affiliated insurance and trust services.

Derek Collazo is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with firms including Axia Financial Advisors and Raymond James Financial Services. He is also involved in a support company, Derek Collazo, LLC, which is not investment related. 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 uses tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal and public-finance advisory services.

Andre Korogodon is a CFP® with over 41 years of experience in the financial industry. He is currently affiliated with Cambridge Investment Research Advisors and previously spent two decades at Cantella & Co., Inc. He is also the owner of Repertoire Wealth Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing a range of discretionary and non-discretionary strategies across multiple custody platforms.

Ryan Duffy is a Wealth Management Advisor and a founding member of the Windsor Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1994, bringing over 36 years of industry experience to his role. Ryan oversees all aspects of his team's operations, including strategic planning, the wealth management process, investment strategies, and client service, focusing on legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His approach includes a thorough process that stress tests clients' goals to quantify the probability of achieving their financial objectives. Ryan holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Arts degree from Seton Hall University in South Orange, New Jersey. His community involvement includes membership in the Knights of Columbus in Ramsey, New Jersey, where he served as Grand Knight from 2000 to 2002, and participation in the Friendly Sons of St. Patrick in New York City. Ryan also served on the Seton Hall University Alumni Board of Directors from 2008 through 2017, including a term as President from 2015 to 2017, and was a member of the Seton Hall University Board of Regents during the same period. He resides in Basking Ridge, New Jersey, and enjoys basketball, football, and golfing.

Bryan Murray is a financial advisor at OSAIC with 11 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 10 years. Murray holds Series 63 and Series 65 credentials and also serves as an insurance agent offering disability, long-term care, fixed annuities, equity-indexed annuities, and traditional life insurance through a separate business. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, providing integrated brokerage, advisory services, and access to multiple third-party money managers and investment platforms.

Nour Shurbaji is a CFP® and Series 63 credentialed financial advisor with six years of industry experience. She is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities, LLC, Meglio & Associates, and Bashar Hakim & Hakim Consulting LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s approach is model-driven, utilizing portfolios developed by its research department and third-party strategists, and it offers access to third-party asset managers and a wrap program.

Monece Andre Franco is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and Chase Bank, as well as academic positions at Ramapo College of New Jersey. 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 using model-based and discretionary investment strategies.

Jeremy Brower is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he is an owner and partner of Breathewave Technologies Inc., a health and wellness business. J.P. Morgan Securities 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 integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Karl Kreshpane is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds a Series 63 designation and has been with UBS since 2016. Outside of his advisory role, he is the treasurer of Goodfellas Restaurant Inc. and owns Serenity River Farm LLC, a farming business producing firewood, maple syrup, and nettle tea. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor investment plans based on proprietary research and model-based asset allocations.