Edwin Kulawiak II is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and related entities since 2001. In addition to his advisory role, he owns and operates a tax practice, Nerenberg & Kulawiak, Inc., where he provides income tax preparation, business bookkeeping, payroll preparation, and tax and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations supporting its scale and product offerings.

Michael Cardali is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Axa Advisors, LLC and self-employment focused on consulting. Outside of advising, he acts as a principal and consultant for general business management, information technology, and the automotive retail service industry. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives and third-party sponsors.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Paul Ciavarella is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and possessing 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, and Guardian, among others. Outside of his advisory work, he serves on the advisory board of the Wayne Lions Club and has an independent contractor role in the service industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Elizabeth Camp is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 22 years of industry experience. She has worked at Morgan Stanley since 2009 and within Morgan Stanley Private Bank, National Association since 2015. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Dorana Brunhammer is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has been with Primerica Advisors since 2011 and also operates Handmade Events, LLC, a company that provides handmade decorations and premium gifts for large events. Additionally, she has been involved with the American Red Cross since 2001. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Nicholas Salamone is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm provides tailored financial planning and a range of investment services supported by firm-approved planning tools and resources.

John Mazza is a CFA® charterholder and holds a Series 63 license with 15 years of industry experience. He has been with Morgan Stanley since 2016, currently serving as a financial advisor at Morgan Stanley Wealth Management. Outside of his advisory role, he is involved in water extraction and mold remediation activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Brian Irving is a financial advisor at OSAIC with 48 years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 65. His prior roles include positions at Triad Advisors, Inc. and Hornor, Townsend & Kent, LLC. He is also the owner of Brybeck Financial, where he provides financial planning and life insurance settlement services. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and access to alternative investments, supported by proprietary tools and a complex affiliate network.

Carol Alania is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 18 years at Morgan Stanley and 11 years of industry experience overall. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Joanne Yanogacio is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 registrations and with 20 years of industry experience. She has worked at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process based on structured discovery and firm-approved tools.

Donna Brower is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. Her prior work includes positions at Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. She volunteers with the Parkinson Disease Foundation and is a member of the Parsippany Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of investment management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers.

David Petrie is a CFA® charterholder affiliated with Stifel in Morristown, NJ, with 36 years of industry experience. He has been with Stifel since 2015. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Michele Hakes is a financial advisor with Mass Mutual Investors Services in Morristown, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously spent seven years with MetLife Securities. In addition to her advisory role, she is involved in property and casualty, health, and group health insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning supported by firm-approved analytical tools.

Zhicheng Xin is a financial advisor at Morgan Stanley with eight years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018, following six years at the New York Compensation Insurance Rating Board. Xin holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models to support client outcomes.

David Xi is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 25 years of industry experience, including prior roles at Summit Financial, LLC, Purshe Kaplan Sterling Investments, and Summit Equities, Inc. In addition to his advisory work, he is involved in outside insurance sales and owns Bethel Wealth Guardians LLC, which markets MassMutual and affiliated products. MassMutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing planning relationships and offers a variety of programs, including estate settlement and employer-sponsored planning.

Christopher Sceusa is Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2025. In this role, he focuses on understanding the priorities of his clients and their families to co-create and implement personalized financial plans aimed at achieving both current and future goals. Christopher emphasizes simplifying complex financial matters to help clients make informed decisions. He has accumulated experience in the financial services industry across various roles, including Financial Consultant at Fidelity Investments from 2021 to 2025, Support Advisor at Coastal Bridge Advisors from 2018 to 2021, Financial Advisor at Merrill Lynch from 2017 to 2018, Wealth Management Professional at Goldman Sachs & Co. from 2015 to 2017, and Banker at J.P. Morgan, Chase & Co. from 2013 to 2015. Christopher lives in New Jersey with his wife and their puppy. He is an avid golf enthusiast.

Nora Defalco is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she works as a licensed real estate sales agent and is involved in elder care services. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a wide range of advisory programs. The firm’s approach includes structured planning tools and modeling techniques, supporting clients in managing approximately $2.74 trillion in assets.

Shlomit Raviv is a financial advisor at Cetera with 12 years of industry experience and holds the CFP® and Series 66 designations. She previously worked with Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, she is involved as a member in a service industry venture called The Wisenheimers. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to a multi-manager platform that includes affiliated and third-party model portfolios and flexible program options.

Walter Scott is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 29 years of industry experience, including 14 years at Signator Investors, Inc., and has operated a law office since 2003. In addition to his advisory role, he provides legal services as an attorney. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.