Harry Schall is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 66 designations and has been with Osaic since 1994. In addition to his advisory role, Schall owns a CPA sole proprietorship focused on accounting and tax return preparation and planning. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, unified managed accounts, and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by a variety of discretionary and third-party management strategies.

Benjamin Kaplowitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 12 years of experience in the financial industry, he specializes in developing personalized financial strategies tailored to the unique needs of his clients. He assists clients with areas including family wealth management, liquidity management, retirement planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Benjamin holds a Bachelor's Degree and a Master's Degree from Beth Medrash Govoha and carries the designation of Personal Investment Advisor (PIA). He follows Merrill's tradition of community participation and spends time volunteering with organizations in his local community. Outside of his professional work, Benjamin has interests in baseball, basketball, running, and writing. He works one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.

James Jackson Jr is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 25 years of industry experience. He has been with various Wells Fargo entities since 2010. Outside of finance, he operates Darkechilde Photography, providing event photography services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing proprietary research and tools to develop tailored client recommendations.

Melanie Kramer is a financial advisor at Stifel with five years of industry experience. She holds a Series 66 designation and has worked at Stifel since 2023. Prior to her career in finance, Melanie spent six years with Pure Barre and was self-employed for 15 years. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and allocation guidance.

Brandon Laday is a financial advisor with OSAIC Wealth, Inc., holding a Series 66 designation and four years of industry experience. His prior roles include positions at LPL Financial LLC, ICG Next, JB Hunt, Monster Energy Inc., and the University of Alabama. OSAIC Wealth serves a diverse client base comprising retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services across various programs such as comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process is model-based and emphasizes asset allocation and portfolio optimization.

Craig Reid is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 37 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors, LLC since 1999. Outside of his advisory role, he is involved with Titan Agency, a property and casualty business. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm relies on a network of Investment Adviser Representatives and third-party asset managers to deliver a range of advisory models and fiduciary services.

David Wren is a CFP® professional with 34 years of industry experience, currently affiliated with Cetera. He has worked at Cetera ADVISORS LLC since 2013 and at Safe Harbor Wealth Partners LLC since 2026. Outside of financial advising, he serves on the boards of two condominium associations and is involved in real estate development as a partner. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform, including access to affiliated and unaffiliated third-party managers and various program structures.

Nicole Gibson is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has been with J.P. Morgan Securities since 2021. Additionally, she has been employed at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations and may include an ESG eligibility framework.

Mark Vandzura is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Equitable Advisors since 2014, having previously worked at Axa Advisors, LLC. Vandzura also serves as a trustee for a family and non-family trust, authorized to facilitate transactions for trust assets custodied at Fidelity. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations, utilizing a range of advisory programs and third-party asset managers.

Morris Mayerfeld is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 license, and has 39 years of industry experience. He has worked at LPL Financial since 2018 and previously spent over 26 years with Cadaret, Grant & Co., Inc., while also operating Mayco Financial Services since 1992. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, portfolio management, and retirement advice through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, providing a range of advisory and brokerage services supported by advanced research tools and multiple investment platforms.

Katharine Williams is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley in various roles since 2009, currently working in the Private Bank. Outside of her advisory duties, she serves as volunteer PTA secretary for Wanamassa, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Alyssa Devenny is a financial advisor at Fidelity with one year of industry experience. She holds the Series 66 designation and previously worked at the Brick Township Municipal Utilities Authority and Professional Physical Therapy. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing a broad investable universe that includes mutual funds, ETFs, and ETPs.

Joseph Giles is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked at Equitable Advisors since 2008 and was previously associated with AXA Advisors until 2020. Outside of financial advising, Giles is the owner of BettrNation, Inc. and is involved in property and casualty insurance sales through the Bogle Agency Insurance. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a range of asset management programs, utilizing a combination of proprietary and third-party solutions delivered by a large network of Investment Adviser Representatives.

Daniel Karstadt is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at UBS Financial Services and held roles at various firms including McQueen Kalligan Insurance Services and Northwestern Mutual. Karstadt has been with Morgan Stanley since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized groups such as its Estate Planning Strategies Group.

Robert Wood is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2015. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Meghan Phillips is a financial advisor at OSAIC with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance since 2021. Outside of her financial advisory role, she owns and manages two childcare businesses, Kidematics LLC and Young Hearts LLC, which provide programs and care for children ranging from six weeks to school age. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and multiple investment programs through an extensive affiliate network.

Alex Wenthe is a Series 66 licensed financial advisor with 17 years of industry experience. He has been with Morgan Stanley since 2017, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, following a brief tenure at Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support tailored financial strategies.

Dorothea Zando is a financial advisor with LPL Financial, holding Series 63, Series 65, and Series 66 licenses, and has 34 years of industry experience. Her prior firms include Regal Securities, Royal Alliance Associates, and AXA Advisors. Outside of advising, she is a notary public. 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 financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

James Jaghab is a financial advisor with Ameriprise in Marlboro, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, Jaghab owns a business focused on buying and selling sports cards and memorabilia primarily through eBay, and he also provides consulting services as a Certified Divorce Financial Analyst for a law firm. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm’s approach integrates algorithmic automation with advisor partnership and emphasizes the use of its affiliated funds and managed accounts.

William Molloy is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 36 years of industry experience. He previously worked at Bank of America and Merrill Lynch Pierce, Fenner & Smith, Inc. from 2010 to 2021 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering financial planning and estate planning strategies supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs.