Joseph Costa is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 63 designation and over 50 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and associated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured planning tools and scenario modeling, offering services primarily in an advisory capacity.

Marc Laxer is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including 24 years at Metlife Securities and over a decade with MassMutual and its affiliated entities. In addition to his advisory role, he is licensed to sell life and health insurance as well as fixed annuities. MassMutual Investors Services 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, structuring client engagements as annual collaborative relationships that emphasize goal analysis and strategic recommendations.

Timothy Cappadona is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2025, he worked at Bank of America and Merrill for nine years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Chad Greenholtz is a financial advisor with RBC Capital Markets in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with RBC Capital Markets since 2013, including a brief period at Janney Montgomery Scott in 2018. He serves on the Board of Directors of the Florida Municipal Bond Club, where he helps organize networking events and promotes professional standards in the municipal bond industry. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a variety of advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to each client’s risk profile and incorporating both in-house and third-party investment managers.

Dominic Alfieri is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 22 years of experience at the firm and nearly 30 years in the financial advisory industry. He holds the Chartered Retirement Planning Counselor (CRPC) designation and is a qualified Portfolio Manager. Dominic focuses on retirement and estate planning strategies, including risk management and asset allocation, and works with clients through the firm's Investment Advisory Program on a discretionary basis. He guides successful business owners, individuals, and families with a goals-based approach in developing customized investment, risk management, and retirement income strategies. Dominic graduated from the Accredited Certificate Program at Fairleigh Dickinson University. He is dedicated to providing advice that aligns with clients' core values and works closely with various Merrill specialists and Bank of America resources to structure wealth management and legacy plans. His areas of expertise include college education planning, family wealth management, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and portfolio management services. Outside of his professional work, Dominic volunteers with charitable organizations such as Habitat for Humanity and the Boys and Girls Clubs of Northern New Jersey. He enjoys golfing, reading, traveling, and spending time with his family. Dominic resides in Long Valley, New Jersey, with his wife Andrea and their two daughters.

Nicholas Randazzo is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2017, following six years at UBS Financial Services. Outside of his advisory role, he is involved in managing a rental property as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and modeling techniques.

Kateryn Peguero is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at UBS Financial Services and JP Morgan Securities LLC. Outside of her advisory role, she is connected to a retail and online store business owned by her husband. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets with a structured planning process that incorporates firm-approved tools and models.

William Pressman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience serving the complex financial needs of affluent individuals and their families. William joined Merrill Lynch in 2014 after a career at another leading wealth management firm. Before entering financial services, he owned and operated a marketing agency focused on the retail sector. William specializes in areas including college education planning, liquidity management, managing new wealth, philanthropic planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds the Professional Investment Advisor (PIA) designation and earned his bachelor's degree from The Ohio State University. Based in Manhattan and Harvey Cedars, New Jersey, William is originally from Queens, New York. He and his wife support the Indiana University Foundation and are involved with the Beth Haverim Shir Sholom community. Outside of work, William enjoys cooking, music, spending time with his family, traveling, and watching movies.

Michael Derosa is a financial advisor at Cetera with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and Foresters Financial Services. Additionally, he operates THE FENNELL GROUP and FENNELL FINANCIAL SOLUTIONS as dba entities for Cetera and serves as a notary. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Maria Myers is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill, where she has worked since 1989. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Secemski is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over a decade of experience in the financial services industry, specializing in executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Matthew is part of The Secemski Group, a multigenerational team that combines over 50 years of experience managing wealth for individuals and businesses. Matthew holds several professional designations, including Chartered Financial Analyst (CFA®), CERTIFIED FINANCIAL PLANNER (CFP®) practitioner, Chartered Financial Consultant (ChFC®), and Chartered Life Underwriter (CLU®). Prior to joining Merrill, he served as a Financial Planning Director at Morgan Stanley, where he focused on high-net-worth planning and next-generation wealth accumulation strategies. Matthew earned his bachelor's degree from Rutgers University. Outside of his professional work, Matthew enjoys playing chess, spending time with his family, and watching movies.

Ajet Metaliaj is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Webster Bank, Key Investment Services LLC, Citi, and KeyBank. 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.

John Coyle is a financial advisor with Raymond James & Associates in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He worked at TD Waterhouse Investor Services Inc. for 19 years before joining Raymond James & Associates in 2021. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering various financial planning and consulting services primarily through non-discretionary relationships.

Joseph Schaefer is a CFP® professional with 23 years of industry experience, currently advising at Edward Jones since 2013. He holds Series 63 and Series 66 licenses and is based in Warwick, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Michael Handzo is a financial advisor with Ameriprise in Kinnelon, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise provides a retirement-income planning service aimed at individuals nearing or in retirement who meet certain asset thresholds, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to produce tailored, non-discretionary recommendations.

Kenneth Montal is a financial advisor with Raymond James & Associates in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He previously worked at UBS Financial Services Inc. for 16 years before joining Raymond James in 2026. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional entities, and municipal organizations, offering financial planning, investment consulting, and specialized advisory services.

Karen Podwyszynski is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a blend of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Miles Kath is a financial advisor with LPL Enterprise holding a Series 66 designation and has been in the industry since 2023. His prior work experience includes roles at ADP LLC, Homestar Builder Inc, MedMen, and the University of Southern California. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by internal research and third-party strategists, and offers services such as financial planning, access to asset managers, and trustee services.

Zsuzsanna Vivino is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2008, transitioning to Bank of America, N.A. in 2025. Outside of her advisory role, she serves as a uniform coordinator for a nonprofit soccer organization in Wayne, New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Boguslawa Skala is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets.