Vincent Villodas is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Spencer Ernst is a financial advisor at Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses with approximately one year of experience at Morgan Stanley. His prior work experience includes roles at KeyBank, The Lubrizol Corporation, and Babson College, among others. He has also been involved with Coach Adam Fun LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools.

Patrick Henry is a CFP® with 22 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products alongside advisory services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, offering a comprehensive suite of advisory and brokerage services.

John Woznicki is a financial advisor at UBS Financial Services with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Stephen Steinthal is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent eight years with Fieldpoint Private Securities. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Kieran Morris is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, Morris teaches lacrosse to children in Bronxville, New York. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers its services both directly to individuals and through corporate financial planning agreements.

Asher Kennedy is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Frank Newman is a financial advisor with Mass Mutual Investors Services based in Elmsford, NY. He holds the CFP® and ChFC® designations, along with a Series 66 license, and has four years of industry experience. Outside of his advisory role, he works as an independent insurance agent specializing in life insurance, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning and asset management using firm-approved analytical tools and maintains a collaborative, annual planning process with clients.

Alvaro Talayero is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials. He has recently begun his career in the industry, having joined Morgan Stanley in 2025 after roles at GBS Finance and AndBank. He also has experience in education and organic product sectors, including at Harrow School and LA Organic. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analysis to support client financial planning.

Michael Torres is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at JP Morgan Chase Bank, U.S. Bancorp Investments, and Northwestern Mutual. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a blend of non-discretionary and discretionary investment management with access to multi-asset portfolios, alternative investments, and integrated brokerage and custody services.

Leonard Gabbidon is a financial advisor at UBS Financial Services with 18 years of industry experience. He previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Gabbidon is also a notary public in Bronx, NY. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances.

Stacey Borenkoff is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial and estate planning. The firm employs a structured planning process using approved tools and offers broad retail and institutional investment services.

Corinne Kurtz is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has been with J.P. Morgan Securities since 2017 and has worked at JPMorgan Chase Bank, N.A. since 1999. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, delivering services on a non-discretionary basis while clients retain final decision-making authority.

Lori Perillo is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, 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 utilizing firm-approved tools and modeling techniques.

Loren Ward is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career at Merrill Lynch Wealth Management’s World Headquarters in 2007 and joined the Werbitt Cicale Group in 2010. Loren works closely with teammates to tailor wealth management services and recommendations to individual client needs, focusing on wealth planning and financial strategies that serve multiple generations. She assists rising business leaders, young families, and entrepreneurs in understanding the importance of planning for the future, saving, and investing. Loren holds a Bachelor's Degree from Bucknell University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her approach centers on building relationships based on trust and compassion, empowering clients through education to make informed financial decisions. Her recognitions include being named to Forbes' "Best-in-State Wealth Management Teams" and "Top Next-Generation Wealth Advisors" lists multiple times. Loren is involved in community organizations such as the Bucknell University Professional Network, City Year New York Investment Community Board, serving as Co-Chair of City Year New York Women's Board, Let's Win Pancreatic Cancer, and the YWCA of White Plains & Central Westchester.

Paige Atkinson is a financial advisor at Morgan Stanley with Series 65 and Series 63 credentials and no prior industry experience. Her background includes roles at Millennium Bridge Capital and multiple positions related to the University of Michigan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Heather Foley is a financial advisor at Morgan Stanley with 27 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2010. She holds a Series 63 designation. 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 customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tools-based financial planning process.

Asmir Malevic is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has worked at several J.P. Morgan affiliates since 2016 and was previously with Invesco Distributors, Inc. from 2019 to 2021. J.P. Morgan Securities 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 in its recommendations.

John Overton Izlar is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Accenture in multiple roles starting in 2022 and was affiliated with the University of Virginia and The Westminster Schools earlier in his career. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through various investment and planning services.

Andrew Caputo is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in marketing and other fields before joining J.P. Morgan. Outside of financial services, Caputo is involved with Capdim Enterprises, a business he has been associated with since 2025. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within a larger banking and broker-dealer organization and offers access to a broad range of investment products, including security-based swaps and futures.