William Sabia is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. He has held positions at Merrill and Bank of America, N.A. before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Zachary Todd is a Financial Consultant currently working at Fidelity Investments since 2026. He has experience as an Investment Consultant at Fidelity Investments from 2024 to 2026 and previously served as a National Financial Solutions Advisor at Bank of America Merrill Edge from 2022 to 2024. In his role, Zachary combines market knowledge with a commitment to transparency and trust to help clients build confidence in their financial futures by simplifying complex financial concepts and providing actionable guidance. Outside of his professional career, Zachary has personal interests that include board games, football, social events with friends, golf, and soccer.

Jeremy Young is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Fidelity Investments since 2011, with prior experience at TIAA-CREF and Morgan Stanley. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and offers oversight for sub-advisers and fund governance.

Jen Parsons is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill and Bank of America since 2007 and 2009, respectively. Outside of her advisory role, she participated in a one-time survey for an entity called CHOP in Philadelphia. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ryan Hvozdovic is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work includes roles at Bank of America, Babson College, Uber, and Aflac. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Meehan is a Series 66-licensed financial advisor with 20 years of industry experience. He has worked at UBS Financial Services since 2012, following earlier roles at Morgan Stanley and Citigroup Global Markets. Outside of advisory work, he is a partner at CDJ Partners LLC, where he is involved in creating and patenting a new delivery system for beverages. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines wealth management services with institutional trading capabilities and provides a broad range of capital markets and financial planning solutions.

Phineas Meade is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been associated with Morgan Stanley Smith Barney and its related entities since 2009 and currently works at Morgan Stanley Private Bank, N.A. Meade is involved in real estate activities outside of his advisory role. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a variety of investment programs and strategies.

Hector Brown is a financial advisor at Primerica Advisors in Mt Holly, NJ, holding Series 63 and Series 65 credentials with six years of industry experience. He has been with Primerica Advisors since 2020 and was previously affiliated with Inrage Solutions LLC. Brown also has business activities involving sales of investment-related products and receives compensation for referrals related to loan products and home security services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, managing approximately $15.5 billion in assets through a network of nearly 3,700 financial advisors. The firm uses model-driven investment strategies and discretionary accounts supported by custodial services from Pershing and BNY Mellon Advisors.

Scott Jones is a financial advisor at OSAIC with 23 years of industry experience and holds a Series 66 designation. He has worked at multiple firms including Securities America Advisors and Investacorp Advisory Services, and he is the founder of Genesis Wealth Advisor Group, LLC, where he continues to serve as a financial advisor. Outside of his advisory work, he co-owns an inactive audio production company and serves in roles related to medical representation and estate matters for family. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment strategies and third-party managers.

Karsten Holbein is Vice President and Financial Consultant at Fidelity, a position he has held since 2020. He has extensive experience in the financial services industry, having worked in various roles including Investment Management Associate at BlackRock from 2014 to 2020, Regional Manager at Lord Abbett between 2012 and 2014, Internal Wholesaler at Lord Abbett from 2010 to 2012, and Forex Specialist at Gain Capital from 2006 to 2010. His professional focus involves helping families identify their unique financial goals while educating them on common financial mistakes. Throughout his career, Karsten has developed expertise in investment management and financial consulting. Outside of his professional work, he engages in activities such as family events, fitness, social gatherings with friends, gardening, running, and traveling.

Kyle Michalski is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. His prior work includes roles at MassMutual Greater Philadelphia and MassMutual Life Insurance Co, as well as experience in physical therapy and fitness sectors. He also worked at Rutgers University and Life Center Academy before entering the financial services field. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to analyze client goals and offers event-driven planning services alongside traditional financial planning engagements.

Michael Halliday is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at both Merrill and Bank of America since 2014 and 2015, respectively. 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 offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kathleen Moore is a Series 63-registered financial advisor with 28 years of industry experience. She is currently with LPL Financial and previously worked at Next Financial Group, Inc. and Capital Planning Institute. Outside of advising, she is a commissioned notary and holds non-variable insurance licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Janine Tanker is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services and Lincoln Financial Advisors Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Jeremy Gussick is a CFP®-certified financial advisor with 25 years of industry experience, currently practicing at LPL Financial since 2009. He holds Series 63 and Series 65 licenses and is based in Voorhees, NJ. Outside of his primary advisory role, he is involved with Toby's Sensitive Ears, a home-based book business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisors utilizing both proprietary and third-party strategies.

Ashishkumar Sanghavi is a financial advisor at Merrill with seven years of experience at the firm and four years in the industry overall. He holds a Series 66 designation and previously worked at TD Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 developed by internal teams and third-party managers.

Christopher Carrozza is a financial advisor at Equitable Advisors with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Valic Financial Advisors, Agia, and MSI Financial Services. Outside of his advisory role, he serves as an independent agent for outside fixed insurance. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of advisory models and third-party asset managers, offering programs that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

Thomas Dimona is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Verizon, AT&T, and Amazon, and he has an academic background that includes time at Bentley University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, often delegating management to sub-advisers while maintaining oversight and addressing conflicts of interest.

Robert Somers is a financial advisor at Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Fidelity Investments and involvement with the American Diabetes Association and the Kappa Sigma Fraternity Endowment Fund. Morgan Stanley Wealth Management serves both individual and institutional clients with 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 utilizes structured planning tools and scenario modeling in its advisory process.

Leonard Arabia Jr. is a Private Wealth Advisor at Merrill Private Wealth Management in Boston. He is a member of an industry-recognized Private Wealth team that focuses on providing integrated solutions, creative and efficient planning, and balance sheet optimization within a client-centered "listen first" framework. Leonard and his team specialize in designing, developing, and implementing bespoke wealth strategies for select affluent families. Their expertise includes family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, small business strategies, and tax minimization. They take a long-term and risk-aware approach to preserving and investing assets, with an emphasis on multigenerational planning. He holds a Bachelor's degree from Boston College and has earned the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. Leonard is also involved with the Big Brothers Big Sisters of Eastern Massachusetts and is an active member of Merrill Private Wealth Management.