Stephen Bernstein is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Stefan Papoutsoglou is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Cetera and its affiliated entities since 2005. In addition to his advisory role, he is a certified public accountant and proprietor at Omega Wealth Management, providing tax preparation and financial services. He also works as a tax accountant for Merck & Co. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers various portfolio management and financial planning services through a nationwide network of over 10,000 advisors and manages more than $256 billion in assets.

Kyle Reinson is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before his current role. Prior to joining Fidelity Investments, Kyle worked at Merrill Lynch as an Assistant Vice President and Financial Solutions Advisor from 2019 to 2023. In these roles, he has focused on creating personalized financial plans and providing guidance to clients throughout their financial planning process. Kyle is committed to collaborating with clients to develop financial strategies that align with their individual goals and to supporting them in navigating their financial journeys.

Robert Difabritis is a financial advisor at Cetera with 40 years of industry experience. He has held roles at Avantax Advisory Services and Avantax Insurance Agency over multiple decades and has operated his own firm, Robert DiFabratis & Co, since 1991. Outside of his advisory work, he is involved in tax preparation and financial statement preparation through his other business activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

David Potischman is a Certified Financial Planner (CFP®) with 22 years of industry experience. He currently works at Morgan Stanley in Morristown, NJ, having joined the firm in 2025 after 13 years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including customized financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through individual financial advisors as well as corporate financial planning agreements.

Frank Leloia is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been helping clients since 2007. With over 30 years of experience as a registered representative and financial advisor, he focuses on providing personalized wealth management strategies tailored to each client's goals and risk tolerance. Frank specializes in areas such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Frank holds a Bachelor's Degree from the Pennsylvania State University System and carries the Personal Investment Advisor (PIA) designation. He works closely with clients' other professional advisors to provide comprehensive tax strategies and to assist in the development of estate plans. His approach emphasizes building lasting relationships based on trust, transparency, and exceptional service. Residing in Long Valley, New Jersey for the past 24 years with his wife Beth and their two children, Nick and Jack, Frank is committed to participating in the communities he serves. He dedicates time to volunteering with local organizations and enjoys personal interests including baseball, basketball, billiards, football, golfing, reading, spending time with family, and traveling.

Jeffrey Berns is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by proprietary tools and a structured process, managing approximately $2.74 trillion in client assets.

Joseph Reilly is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services from 2015 to 2022 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering advice without individual security recommendations as part of standalone plans.

Richard Jambrina is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at UBS Financial Services for 15 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs supported by firm-approved tools and investment models, managing approximately $2.74 trillion in client assets.

Sean Stevens is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and nine years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery conversations and proprietary planning tools to develop financial plans and delivers services through its Financial Advisors and Estate Planning Strategies Group.

John Legband is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*Trade Securities, JPMorgan Chase Bank, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides planning services through Financial Advisors and its Estate Planning Strategies Group.

Ryan Conklin is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith, Incorporated from 2014 to 2020 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and modeling techniques.

James Elsman is a financial advisor with Wells Fargo Clearing in Mountain Lakes, NJ. He holds Series 63 and Series 65 licenses and has 40 years of industry experience. Prior to his current role, he worked at Wells Fargo Advisors LLC for seven years. He also serves as co-trustee for his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Gandolfo Taravella is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities since 2014, with a three-year tenure at Morgan Stanley in between. Outside of his advisory role, he manages several family-owned condo rental properties in New Jersey. 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. The firm delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage, distribution, and investment management capabilities.

Meredith D'Ovidio is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Her career includes multiple roles at Morgan Stanley since 2021 and prior work at Waterlily and Loyola University Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and advanced planning tools to develop tailored financial plans.

Richard Byank is a CFP® and ChFC® credentialed advisor with 21 years of industry experience. He currently works at Cetera and previously spent 19 years at Ameriprise Financial Services. He also has an active role as a Wealth Management Advisor with Wealthspring Financial Partners LLC, providing financial planning and portfolio management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Kristopher Taubald is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors. Outside of his advisory work, he serves as a vice president for Track Group Stats, assisting with membership processes in a volunteer capacity. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and a range of asset-management programs. The firm utilizes both proprietary and third-party advisory models, including services delivered by credentialed Investment Adviser Representatives and third-party asset managers.

Robyn Tumminia is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 24 years of industry experience. She previously spent 26 years at Merrill Lynch, Pierce, Fenner & Smith, Inc. There are no notable outside business activities reported. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations, offering financial planning, asset management, and educational seminars. The firm structures financial planning as annual, collaborative engagements using firm-approved software to analyze client goals and recommend investment strategies.

Lucas Cervelli is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2022, he held various roles including work with Regal Consultants Corp. and positions with the Long Beach Island Beach Patrol. He is also the sole proprietor of EchoLine LLC, a technology consulting business. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Lloyd Winkler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Winkler also works as an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.