Jeffrey Kroll is a financial advisor with Wells Fargo Clearing, holding 56 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Eric Ebisch is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has recently begun his career in the financial services industry. Prior to joining Equitable Advisors, his work history includes roles at Johnston & Murphy, R.I.C.H. Planning, and involvement with United Way of Passaic County. He has also been active in college athletics and student affairs at Ramapo College of New Jersey. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver tailored investment solutions.

Connie Joyce is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and various analytical tools, focusing on advisory services without providing individual security recommendations as part of standalone financial plans.

Karen Cardenas is a financial advisor at Merrill with Series 65 and Series 63 licenses and six years of industry experience. She has previously worked at firms including Morgan Stanley, Charles Schwab, Citigroup, JPMorgan, and Baruch College Weissman Graduate Studies. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutional entities.

Ridgewell Clark is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at Morgan Stanley, Park Avenue Securities, and JPMorgan Chase Bank. Clark has also been involved with Habitat For Humanity. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Saidur Rahman is a financial advisor with LPL Financial in Brooklyn, NY, holding a Series 63 designation and 22 years of industry experience. He has worked at LPL Financial since 2015 and concurrently holds a role at Webster Bank since 2021. Outside of his advisory work, he is also involved with Paramount, an unrelated business based in Brooklyn. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Thomas Sylvestro is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including LPL Enterprise, Pruco Securities LLC, The Prudential Insurance Company of America, GWN Securities, Royal Alliance, and National Planning Corporation. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michele Nielsen is a financial advisor at Fidelity with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliated entities since 2006. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registration with the CFTC, advisory role to multiple registered funds, and use of advanced technologies such as AI in its investment process.

Howard Shallcross is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Shallcross teaches macroeconomics at Brookdale Community College. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning supported by advanced analytical tools and a wide range of investment services.

Mahul Balar is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and 19 years of industry experience. He has worked at Equitable Advisors since 2012 and previously was with Axa Advisors and Eagle Strategies. Outside of his advisory role, he participates as a member of real estate investment LLCs and spends time analyzing and investing in real estate opportunities. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions.

Timothy Mulhern is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2015 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios from various sources.

Michelle Mc Tamney is a financial advisor with Edward Jones in Rahway, NJ, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, she worked at Kraftware Corporation from 2016 to 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

James Gallagher is a financial advisor at Morgan Stanley with 34 years of industry experience. He has held roles at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services including structured planning tools and broad retail and institutional investment solutions.

Patricia Donelan is a financial advisor at LPL Financial with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Momentum Independent Network. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and technologies such as machine learning to support diversified investment strategies.

Gregory Kirichenko is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Merrill Lynch, Equitable Advisors, and JPMorgan Chase Bank. He also has experience outside finance, having worked at Jlm Couture and All American Healthcare. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jonathan Scott is a Series 66-licensed advisor with LPL Enterprise, based in Holmdel, NJ, and has two years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of financial advising, he is co-owner of Humidor Cigar Group LLC, a hospitality business involved in cigar sales and relationship management. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels.

Garrett Morrison is a Series 66-licensed financial advisor with Equitable Advisors, based in Woodbridge, NJ, and has eight years of industry experience. He has worked at Equitable Advisors since 2017 and previously at AXA Advisors for three years. Outside of advising, he manages a rental apartment in Montclair, NJ, and assists with the financial affairs of his mother. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Jason Weinstein is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 1998. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes and firm-approved tools to develop customized financial plans.

Justin Sonta is a financial advisor with Edward Jones in Atlantic Highlands, NJ, holding Series 63 and Series 66 registrations with 21 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he is a silent partner in several commercial real estate ventures based in Hackensack, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of advisory programs and affiliated investment products through a large nationwide network of advisors and branch offices.

Kevin Berenzon is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at Equitable Financial Life Insurance Co and Compass Real Estate Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.