Hetal Gandhi is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. Prior to joining LPL Financial in 2023, Gandhi has worked at several firms including Citizens Securities, Cetera Investment Services, Wells Fargo Clearing, and Investors Bank. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

John Gallagher is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Gallagher also holds a real estate license. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Mary Perrone is a financial advisor at Morgan Stanley with 34 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is involved with Wired Delivery, an online retail business, and works as an independent travel advisor with Dream Vacations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates various modeling tools and advisory services.

Eric Brubaker is a CFP® professional affiliated with Edward Jones, where he has worked since 2019. He has six years of industry experience and has held roles outside finance including positions at Ramapo Country Day Camp and involvement with political campaigns. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Frank Dolce is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and City National Bank before joining RBC. Outside of his advisory role, Dolce serves on the advisory board of the Lake Mohawk Golf Club and is involved with several non-investment business ventures in environmental consulting and acting employee leasing. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with flexible portfolio management options that incorporate both in-house and third-party investment managers, alongside services such as financial planning, custody, and brokerage.

Christina Woo is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, with prior experience at Citigroup Global Markets from 2000 to 2009. Outside of her advisor role, she is involved with a private company, Woo Enterprise LLC, which operates in real estate. 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 and financial planning services, employing structured planning tools and investment modeling techniques to support client strategies.

Adrian Ukaj is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at ThorLabs and held various other positions. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, using both proprietary and third-party investment solutions.

Vincent Cooper is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill and Wells Fargo Clearing. In addition to his advisory career, he serves as a police officer in Tenafly, NJ. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, institutional, and charitable clients. The firm offers a range of advisory programs and works with third-party asset managers to implement diversified investment strategies.

Christopher Perrotta is a financial advisor at Cetera with seven years of industry experience. He holds a Series 66 designation and previously worked at Avantax and 1st Global Advisors. Outside of advising, he serves as treasurer for the Vernon Township Little League and is involved with the Sussex County YMCA. Cetera Investment Advisers LLC is a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and affiliations.

Anthony Pecora is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank since 2015. Outside of finance, he assists in marketing at a family automotive sales business, VMP Auto Inc., on weekends. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group.

Albert Passanante is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services, Avantax Advisory Services, Avantax Insurance Services, and 1st Global Advisors. Passanante is also an owner and financial advisor at Nisivoccia LLP, where he has been involved in providing financial services since 2001. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with various program structures and investment options.

Jayme Califano is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2021. Outside of his advisory role, he is a partner at Taylor Palmer LLC, a construction and engineering technology firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes using firm-approved tools and economic modeling.

Suzanne Balian is a financial advisor with Morgan Stanley, holding a Series 66 designation and bringing 22 years of industry experience. She has been with Morgan Stanley and its related entities since 2008, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of her advisory role, she serves as president of the New Jersey chapter of AT&T Pioneers, a nonprofit volunteer organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Craig Russ is a financial advisor with LPL Financial in Bedminster, NJ, holding Series 63 and Series 65 credentials and 32 years of industry experience. His prior work includes roles at Ameriprise Financial Services, Merrill, Banc of America Investment Services, and J.B. Hanauer & Co. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering financial planning, portfolio management, and institutional services through a network of over 22,800 advisors. The firm supports a broad range of strategies and combines advisory offerings with non-advisory financial services and technology tools.

Donald Frio Sr. is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously held roles at The Prudential Insurance Company of America and Pruco Securities LLC. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Edward Durkin Jr. is a financial advisor at OSAIC with 14 years of industry experience. He holds a Series 66 designation and previously worked at Fidelity Investments and TD Ameritrade. Durkin also advises high-net-worth clients through Glassner Carlton Financial, an LLC focused on wealth management. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs asset-allocation tools and risk assessment to construct portfolios across various asset classes, supporting both discretionary and non-discretionary accounts.

Robert Skuba is a financial advisor with LPL Financial in Mendham, NJ, holding Series 63 and Series 65 licenses and over 35 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation for five years and has operated Robert Skuba Accounting since 1980. Outside of his advisory work, he is involved in mortgage and real estate services through the Crossen Agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services supported by extensive operational and research tools, overseeing over $819 billion in discretionary assets through a large network of independent advisors.

Tyler Flood is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he partners with clients to develop comprehensive financial plans aligned with their goals through all stages of life. Maintaining strong relationships with clients and their families is a key focus in his work. Tyler has professional experience as a Financial Consultant at E*TRADE from Morgan Stanley between 2019 and 2022 and served as a Financial Advisor at Merrill Lynch from 2017 to 2019. His career has been dedicated to providing financial advice and consulting services. Outside of his professional life, Tyler enjoys activities such as spending time at the beach, family activities, exploring food, outdoor adventures, running, and traveling.

Ryan Pergola is a CFP® professional affiliated with Raymond James Financial, with 11 years of industry experience. Prior to joining Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. in 2025, he spent a decade at M HOLDINGS SECURITIES, Inc. He also works as an ice hockey official in New Jersey. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports a large network of advisors with innovative program offerings and municipal advisory services.

Siarra Siebel is a financial advisor at Morgan Stanley with four years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to her current role, she held various positions including private tutoring and a role with the Morris County Sheriff's Office Crime Scene Investigation unit. Morgan Stanley Wealth Management offers advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages a broad range of client assets and delivers services that include estate planning and institutional offerings.