Denise Li Brizzi is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. Her career includes tenures at Merrill and Bank of America before joining Morgan Stanley in 2021. She is involved in a family-held business, Libbys Kids LLC. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Thomas Madaras is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and previously spent 16 years at Citigroup Global Markets. 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 offers planning services based on structured discovery processes and firm‑approved tools.

Stephen Bouffard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Alan Morales Toledano is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and four years of industry experience. His work history includes roles at J.P. Morgan Chase Bank, Amazon.com Services LLC, Robert Half International Inc., and Rutgers University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Ramin Saeedian is a financial advisor with Wells Fargo Clearing in Livingston, NJ, holding a Series 66 designation and 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a finance committee member for Crestmont Country Club in West Orange, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Hrehowsik is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 credential and has been associated with Merrill and Bank of America, N.A. since 2010. Outside of his advisory role, he serves as a power of attorney in a fiduciary capacity. 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 investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Maurice Simpkins is a financial advisor at Charles Schwab with eight years of industry experience. He holds the Series 66 designation and has worked at several firms including TD Ameritrade Investment Management and Wells Fargo Clearing Services. Simpkins is based in Millburn, NJ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with research-backed alternative investments.

James Lapiedra is a CFP® with 17 years of industry experience, currently advising at Cetera since 2020. His prior work includes roles at First Allied Advisory Services and Potter, LaMarca & Company, LLP. He serves as a board member of a police organization providing peer assistance and is involved in several consulting and business ventures, including leadership positions at ID 360 LLC and Piedra Rives Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party investment options.

Maklof Hoshan is a financial advisor with Wells Fargo Clearing based in Clifton, NJ, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at affiliated Wells Fargo entities since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Victoria Gurney is a financial advisor with Wells Fargo Clearing in Woodcliff Lake, NJ, holding Series 63 and Series 66 registrations and 15 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank and Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Michael Neumann is a financial advisor with Morgan Stanley, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Merrill. Outside of finance, he was involved with Coral Sea Fish and Pets LLC from 2015 to 2018. Morgan Stanley Wealth Management delivers a range of advisory services to individuals and institutional clients, including tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning programs.

Priyank Rana is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Wells Fargo and Bank of America in various capacities since 2014. Outside of his advisory role, he owns NP Creations LLC, a photography and photobooth business he operates on nights and weekends. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Sana Chander is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2018. Prior to her career in finance, she was employed at Home Depot for one year. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Curley is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, J.P. Morgan Securities, and the NY Center for Interpersonal Development. Curley is also an independent insurance agent for various companies. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies with a broad selection of investment options.

Andrzej Dudus is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 28 years of industry experience, including 20 years at Metlife Securities Inc. and has been with Mass Mutual Investors Services since 2017. He also engages in renewal and service fee work related to legacy life insurance business from Metlife and Brighthouse Insurance companies. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as ongoing, collaborative engagements using firm-approved tools and offers specialty services including estate settlement and employer-sponsored planning.

Ralph Rosenbaum is a financial advisor with Cetera, holding the PFS™ credential and Series 63 and Series 65 licenses, and has 28 years of industry experience. He has worked primarily with Avantax entities since 1997 and operates his own CPA practice specializing in tax preparation and accounting. Outside of advisory work, he is involved in a food truck business as an investor. Cetera Investment Advisers LLC serves 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 options, model portfolios, third-party manager selections, and various program structures across multiple custodians.

Joseph Kurzeja Jr. is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and Nathan & Lewis Securities, Inc. since 2000. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money‑manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm‑approved software to analyze client goals.

Lilia Ramos is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Carl Klech Jr. is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 1991. Outside of his advisory role, he serves as an executor or co-executor of an estate. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering customized financial planning and a broad range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Jon Iosso is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience, including roles at MML Investors Services, MassMutual Life Insurance Co., and prior employment outside the financial sector. In addition to his advisory work, he is active as an insurance broker, offering life, disability, long-term care insurance, fixed annuities, and health 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 ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations in collaborative annual engagements.