Michael Messina is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial services industry since 2007, with experience that includes roles as a Planning Consultant and Relationship Manager at Fidelity Investments, a Wealth Management Advisor at TIAA CREF, and a Financial Representative at Northwestern Mutual. His approach involves assessing clients' unique financial situations and collaboratively building plans that help them pursue financial confidence. He focuses on understanding his clients' ambitions and aligning them with effective tools and resources to assemble a path toward their goals. Michael holds a California Insurance License. Outside of his professional work, Michael has personal interests that include biking, camping, hiking, and snowboarding.

Paul De Grazia is a Senior Financial Advisor for Merrill Lynch Wealth Management based in the Princeton, NJ complex. He began his career with Merrill in 1995, initially focusing on Retirement, Executive Compensation, and Employee Benefit plans. Since rejoining Merrill in 2016 with the Loff Warringer Group, now Warringer DeGrazia & Associates, Paul has provided advisory and leadership services to individuals, small businesses, and institutional clients. With more than 30 years of experience, Paul employs a holistic, goal-based approach to understand and address the unique needs of his clients. Utilizing the investment resources of Merrill and the banking capabilities of Bank of America, along with the expertise of Warringer DeGrazia & Associates, he offers personalized strategies encompassing investment management, banking, lending, education and planning, as well as trust and estate considerations. His client focus areas include college education planning, family wealth management, legacy planning, socially responsible and ESG investing, and tax minimization. Paul holds a Bachelor's Degree from Seton Hall University and a Master's Degree from Georgian Court University. He has earned the Personal Investment Advisor (PIA) professional designation. In addition to his professional work, Paul is involved in community service through the Knights of Columbus in Allentown, NJ.

William Black Jr. is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by proprietary planning tools and a structured discovery process.

Evan Silverman is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and having 13 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he serves as an officer in The Kairos Project, a technology business based in Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a 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 supported by proprietary tools and economic modeling.

Joseph Lauri Jr. is a Series 66-licensed financial advisor with UBS Financial Services in Princeton, NJ. He has 23 years of industry experience, all of which has been spent with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Stephen Thomas is a Wealth Management Advisor based in Princeton, NJ, affiliated with Merrill Lynch Wealth Management. He joined Merrill Lynch in February 2008 and has served as a wealth management advisor since June 2014. Stephen is part of the Barry Team, where he focuses on retirement planning and executive benefits. He has developed expertise in employer-sponsored plans, including 401(k) plans, equity awards, non-qualified deferred compensation, and defined benefit pension plans. His role involves educating clients on employer benefits to help them understand how these accounts may aid in achieving their personal financial goals. His client focus areas include education planning, employee benefits planning, executive compensation, equity compensation services, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. Stephen graduated from Rutgers University in 2006 with a Bachelor of Arts degree in Economics and a secondary focus on Psychology. He holds the Chartered Retirement Planning Counselor™ designation obtained in 2012, the CERTIFIED FINANCIAL PLANNER® certification earned in 2017, and the Personal Investment Advisor designation. He lives in New Hope, PA, with his wife Esther, son Harrison, daughter Cameron, and their adopted dog Balboa. In his free time, Stephen enjoys watching baseball, particularly the New York Yankees, as well as writing and performing live music in his local community.

Ralph Wright is a financial advisor at UBS Financial Services with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory role, he serves on the board of the Cannon Dial Elm Club at Princeton University, focusing on parking-related issues for club members and employees. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Matthew Robinson is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. He has worked at UBS since 2025 and previously held positions at BNY, Sei, and Tiedemann Advisors. His background also includes roles at Temple University and Arcadia University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets solutions.

Soumit Sarkar is a CFA® charterholder with 16 years of industry experience. He currently serves as a financial advisor with Cambridge Investment Research Advisors and has previously worked at firms including The Investment Center Inc, Center Street Securities, and HSBC Securities (USA) Inc. Outside of his advisory role, he owns several businesses involved in consulting, life settlements, and acts as an independent insurance agent. Cambridge Investment Research Advisors, Inc. 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 supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers along with proprietary model strategies.

Christine Fredericks is a financial advisor with Ameriprise in Matawan, NJ, holding a Series 66 credential and 14 years of industry experience. She has worked at Ameriprise and its affiliated entities since 2017 and previously was with Sandra Dalton from 2013 to 2017. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written Recommendation Reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Joseph Dovidio is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing from 2016 to 2022. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing annual planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Alison Longley is a financial advisor at Morgan Stanley with 13 years of industry experience. She has held positions at Morgan Stanley Private Bank and Morgan Stanley since 2017, and previously worked at TPG Direct, UBS Financial Services, and Merrill. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analyses such as Monte Carlo simulations to support its financial planning process.

Ursula Whitehurst is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. Her career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as teaching positions in the New Jersey public school system. She is also a tutor and owner of Series 65 Interact, a non-investment related tutoring business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Jeffrey Condit is a financial advisor at Merrill with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 1983, also working at Bank of America since 2011. He serves as a trustee for the nonprofit organization Beat the Streets – New Jersey, coordinating a program that combines tutoring with wrestling for middle school students. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Paul Nader is a financial advisor with Ameriprise in Freehold, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he oversees a small business, Paul Nader & Associates LLC, which is used primarily for payroll management. Ameriprise offers retirement-income planning services focused on clients nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency strategies to provide tailored, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools.

David Marabella is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2022, initially serving as an Investment Consultant until his current appointment. With 20 years of experience in the financial services industry, David has held various positions including Senior Relationship Manager at Clark Capital Management Group from 2016 to 2021, and Vice President as well as Associate in the Capital Advisory Group at Lazard Asset Management between 2005 and 2016. His expertise involves partnering with investors to understand their individual values, needs, goals, and objectives, emphasizing the creation of personalized financial plans. Further information regarding his education, credentials, personal interests, or community involvement is not provided.

Joseph Porchetta is a Financial Consultant at Fidelity Investments, where he currently applies Fidelity's financial planning resources to develop strategies aimed at protecting and growing clients' wealth. He collaborates with clients and families to create tailored financial plans. He has extensive experience in the financial services industry, having held roles including Investment Consultant at Fidelity Investments from 2023 to 2025 and Institutional Financial Broker at BGC Partners from 2011 to 2023. This background provides him with a seasoned perspective in building long-term client relationships. Further details regarding his education, credentials, personal interests, or community involvement were not provided.

Edie Kelly is a Series 66 credentialed financial advisor with 16 years of industry experience. She has worked at LPL Financial since 2016 and previously spent six years at Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Volini is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 14 years of industry experience. His prior roles include positions at American Portfolios Financial Services and Santander Securities. He also owns an expense management business and provides fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Lawrence Metzger is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he serves as a licensed USCG captain on weekends for a charter boat business operated by his family. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services through an integrated platform that combines brokerage, advisory, and custody functions.