Robert Ditrani is a CFP® professional with over 21 years of experience in the financial industry. He is affiliated with Private Advisor Group, LLC and has worked at LPL Financial since 2012. Prior to that, he held positions at Stifel and Ryan Beck & Co. In addition to his advisory work, he is involved in tax preparation and accounting services. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based model, utilizing a range of investment strategies and technology platforms, while providing access to proprietary and third-party managed account solutions.

Dana Gour is a financial advisor at Goldman Sachs Wealth Services with one year of industry experience. They hold a Series 66 designation and have a diverse background that includes legal roles at the Westchester District Attorney's Office, John Jay Legal Services, and the United States District Court for the Southern District of New York. Dana also served as a focus group participant for the National Conference of Bar Examiners. Goldman Sachs Wealth Services advises individual investors, corporate clients, and institutional participants, providing financial planning, portfolio management, and specialized executive wealth programs. The firm combines strategic and tactical allocation models with extensive resources across the Goldman Sachs ecosystem to tailor solutions for a broad range of client needs.

Julian Natelli is a financial advisor with Oppenheimer in Florham Park, NJ, holding Series 63 and Series 65 designations and having four years of industry experience. His background includes work at Oppenheimer since 2019 and teaching roles at Ramapo College of New Jersey and Governor Livingston High School. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a wide range of programs and advisory services, including discretionary and non-discretionary portfolio management, with custody of client assets maintained as a qualified custodian.

David Schelhorn is a financial advisor at Private Advisor Group, LLC with 11 years of industry experience. He holds the Series 66 designation and has worked with firms including LPL Financial, Minnesota Life Insurance Company, Allied Wealth Partners, and Securian Financial Services. His activities include providing investment advisory services and selling fixed insurance products such as term life, universal life, whole life, long-term care, and fixed annuities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions including proprietary and third-party platforms. The firm employs a fiduciary-based advisory model and integrates technology to implement a range of investment strategies.

Abigail Rosen is a CFP® with 16 years of industry experience, currently with Corient. She has held roles at Corient Services LLC, CIPW Service Company, LLC, and RegentAtlantic. Corient provides investment advisory and financial planning services to a diverse client base including individuals, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach combining in-house and third-party strategies, supported by continuous portfolio monitoring and risk management tools.

Kelly Walsh is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2019, with prior experience at UBS Financial Services Inc. from 2014 to 2017. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Michael Pirozzi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and both individual and corporate investment strategy. Michael focuses on developing personalized financial plans tailored to each client’s goals and risk tolerance, aiming to help clients pursue their long-term objectives through customized wealth management approaches. Michael holds a Bachelor’s Degree from James Madison University. He is also a Personal Investment Advisor (PIA) and communicates fluently in both English and Spanish. Originally from New Jersey, he currently resides in Madison, NJ, where he has been an active community member for nearly fourteen years. Michael also dedicates time to volunteering with local organizations, reflecting his commitment to community involvement. Outside of his professional work, Michael enjoys a variety of personal interests including baseball, chess, cooking, football, golfing, ice hockey, skiing, spending time with his family, and tennis.

Ralph Franzese is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. His prior work includes roles at Merrill, Citigroup Global Markets, and Legg Mason Wood Walker. He is also involved with Vantage Wealth Management LLC in a bookkeeping capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with technology and a broad range of financial services.

George Grube is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. Prior to joining RBC in 2021, he worked in various non-financial roles including positions at A La Cart and Buffalo Wild Wings. Outside of his advisory duties, he is employed with Hudmed LLC, assisting in hospital sanitation, and contributes part-time to Grape Expectations, Inc., a private wine-related business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing a combination of in-house and third-party investment managers to meet clients’ investment objectives.

Matthew Armendinger is a Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in creating personalized financial strategies to help individuals and families achieve their financial objectives. His areas of expertise include employee benefits planning, family wealth management, legacy planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Matthew earned his bachelor's degree from Fairleigh Dickinson University, where he was a collegiate athlete and remains actively involved through participation in the FDU Young Alumni Association. His community involvement extends to volunteering as a guest speaker for ALPFA NJ and contributing to the Lupus Foundation of America. Outside of his professional work, Matthew enjoys baseball, basketball, football, golf, reading, running, yoga, and spending time with his family.

David Posner is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 63 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Outside of his advisory role, he serves as an estate executor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and firm-approved tools, serving clients through both individual and corporate financial planning agreements.

Gregory Huether is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2018, following six years at J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary return estimates in its process.

Ryan Carr is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, Credit Suisse, Citigroup, UBS, Bank of America Advisors, and Morgan Stanley. Outside of his advisory work, he serves as an officer for the Morristown Girls Soccer Boosters, where he helps organize team events and supervise practice sessions. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Erin Madonna is a Series 66-licensed financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones in 2023, she worked for seven years at Under Armour. Outside of her advisory role, she occasionally serves as a substitute yoga instructor at local studios. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and affiliated services. The firm manages over $1 trillion in assets and is notable for its extensive advisor network and integrated offerings, including trust services and proprietary mutual funds.

Frank Heter III is a Series 66 licensed financial advisor at Merrill with six years of industry experience. Prior to joining Merrill, he held roles at Barnes & Noble and the Euro Futbol Academy. Outside of his advisory work, he is involved with Vocal, a website that offers cash prizes for writing competitions and compensates users based on story readership. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Robert Blocker is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining Cetera, he worked at Avantax in various capacities for more than two decades. He also operates a CPA practice focused on tax preparation and accounting. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform with access to various investment strategies and program structures.

Sean Conley is a financial advisor at Morgan Stanley in Morristown, NJ, with three years of industry experience. He holds a Series 66 designation and has previously worked at Deloitte and Morgan Stanley Private Bank. 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, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Jorge Idrovo Fernandez is a Financial Advisor at Merrill Lynch Wealth Management, bringing 18 years of experience in banking and financial services. His professional background includes roles at JPMorgan Chase as a Relationship Banker, Chase Private Client Banker, and Branch Manager, where he focused on building client relationships and addressing banking, lending, and investment needs. Jorge's expertise encompasses helping individuals, families, and business owners with legacy planning, personal retirement planning, and portfolio management services. He holds a Bachelor of Science and a Master of Science in Accounting from Kean University. Jorge also holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Jorge enjoys traveling to experience different cultures and customs. He is a longtime New York Yankees fan and values attending the team's Opening Day game annually with his family.

Henry Liao is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and over 20 years of industry experience. He has worked at Ameriprise since 2005 and serves on the boards of Forefront and Foster the Family, in addition to founding The Jubilee Experiment. Liao also owns Henry C Liao LLC, a business unrelated to investment activities. Ameriprise provides a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver customized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Jeffrey Dickinson is a CFP® with 26 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities from 2009 to 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is president and senior partner of Force Financial Associates, LLC, where he provides financial education and workshops to institutional clients. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships with clients.