Ira Friedman is a Series 66-licensed financial advisor with Morgan Stanley, where he has worked since 2017. He has 24 years of industry experience, including roles at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Louis Ardito is a financial advisor with Morgan Stanley in Riverhead, NY, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017 and was previously with Merrill from 2009 to 2017. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Val Franklin is a financial advisor at Morgan Stanley with 31 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 designations. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market-based modeling.

Ariel Jacobs is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been a financial advisor since 2007. She serves high-net-worth multi-generational families, focusing on comprehensive wealth strategies to address a variety of financial needs. Her expertise spans education planning, family wealth management strategies, legacy planning, portfolio management, retirement income, and financial guidance specifically tailored for women and wealth. Ariel leads a team of five advisors and three client service associates, collaborating closely with internal specialists in credit, lending, and trusts to provide integrated financial solutions. She works to help clients realize their financial goals through thoughtful planning and personalized strategies. Ariel holds a Bachelor's degree from the University of Michigan and possesses 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). She serves as a Board Member for the Kaplen JCC on the Palisades.

Deborah Minch is a financial advisor with UBS Financial Services in New York, NY, holding a Series 63 designation and bringing 44 years of industry experience. She has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to clients’ goals and risk tolerances.

George Kreuscher is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2015. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement who meet certain asset criteria. The firm provides written Recommendation Reports using a combination of research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools, while delivering a broad range of advisory, brokerage, and insurance solutions.

James Cook is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 2021. His prior roles include positions at Mass Mutual Life Insurance Co. and various real estate and insurance firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s investment approach combines quantitative and qualitative research to deliver non-discretionary, customized asset allocation advice and performance reporting.

Stephen Murray is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 2006 and Bank of America since 2009. Outside of his advisory work, he serves as an executor for a personal estate and works as a golf caddy on weekends. 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, institutions, and charitable organizations.

John Sullivan Jr. is a Series 66-registered financial advisor with 16 years of industry experience. He is currently with J.P. Morgan Securities, where he has worked since 2017, following prior roles at CitiGroup, Chase Investment Services Corp., and Obsidian Wealth Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process integrates quantitative and qualitative research, incorporates ESG considerations, and offers a broad range of derivatives and commodities capabilities.

Bryan Durso is a financial advisor with Ameriprise in Southampton, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliate since 2012. Outside of his advisory role, he is involved in real estate ownership. Ameriprise provides retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, combining research and modeling with tax-efficient strategies and a centralized consulting team to deliver tailored recommendations.

Frank Marinace is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, currently working at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

James Miller is a Series 66 registered financial advisor with UBS Financial Services in Westport, CT, bringing 18 years of industry experience. He has been with UBS since 2012. Outside of his advisory role, Miller works as a kayak and stand-up paddleboarding instructor for the L.L. Bean Outdoor Discovery School. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services that include financial planning, portfolio management, and access to mutual funds and alternative investments. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and a range of capital markets services.

Jesse Alfano St John is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Jesse worked at Equitable Advisors, LLC. Outside of finance, Jesse has experience in the hospitality and service industries, including roles at Dockers Waterside Marina and Restaurant and GoldCoast Valet. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, utilizing forward-looking capital market assumptions and an ESG eligibility framework.

Cassandra Gibson is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to that, she worked at P. Kevin Fischer Agency Inc. for two years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates centralized due diligence and may incorporate an ESG eligibility framework, with implementation support from affiliated investment management entities.

Joseph Jamison is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill, Bank of America, and RBC Capital Markets. Jamison is currently based in Riverhead, NY. 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 employs a structured planning process supported by firm-approved tools and offers a broad range of retail and institutional investment services.

Laura Fennell is a financial advisor with Morgan Stanley in Riverhead, NY, holding a Series 63 designation and 33 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she was affiliated with Citigroup Global Markets starting in 1988. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and comprehensive advisory services.

Kevin Yanza is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America and Merrill since 2022. Outside of finance, he has experience in the restaurant industry with Cebollines Grill and Off Key Tiki. 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 institutional investors.

Catherine Turk is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. She holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, following three additional years with JPMorgan Chase Bank. Outside of her advisory role, she manages a rental property on a limited basis. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may include ESG considerations, with implementation support from affiliated investment-management entities.

Corinne Heaney is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. She worked at RBC Capital Markets Corporation for 13 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm offers a broad range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Roger Matloff is a financial advisor with Merrill, holding Series 63 and Series 65 certifications and bringing 43 years of industry experience. He has worked at Merrill since 1994 and is also affiliated with Bank of America since 2009. Outside of advising, he is the author of a book on nonprofit finance titled *Nonprofit Investment and Development: A Complete Guide to Finance and Economic*. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.