Michael Gabay is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range 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 planning process that incorporates firm-approved tools and modeling techniques.

Alexander Marashlian is the Branch Leader at Fidelity Investments in Morristown, where he leads the Fidelity Team in promoting client engagement and fostering a culture of excellence. He is focused on connecting with the community through local events and meetings to strengthen relationships with the town and surrounding areas. Prior to his current role, Alexander served as Executive Director and Head of National Internal Sales at Morgan Stanley Investment Management from 2014 to 2021. His professional experience encompasses leadership and sales within the financial services industry. Outside of his professional responsibilities, Alexander's personal interests include spending time at the beach, camping, enjoying comedy, participating in family activities, gardening, and watching movies.

Todd Gutkin is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a partner in GB Fitness, a gym business based in Hackettstown, New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements with employers.

Louis Villanueva is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Scott Howell is a CFP® with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at HSBC Bank USA, HSBC Securities (USA) Inc., Citigroup Global Markets, Citicorp Investment Services, Chase Investment Services Corp., and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options supported by technology and has a significant presence with over 22,800 advisors and $819 billion in discretionary assets.

John Langdon is a financial advisor with Cetera, holding a Series 63 designation and over 41 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Langdon is involved in several nonprofit and community organizations, including board positions with the St. Joseph’s High School Foundation and the Brothers of the Sacred Heart Foundation, as well as advisory roles with charities supporting families affected by pediatric cancer. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, using a multi-manager platform that includes affiliated and third-party models, discretionary and non-discretionary account management, and various program structures.

Thomas Nisivoccia is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated entities since 2013, except for a two-year period of unemployment between 2024 and 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, and serves over 10,000 advisors and approximately 800,000 clients nationwide.

Colleen D'Antonio is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. 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 that utilize structured planning tools and scenario modeling.

Brian Kelly Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held positions at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following a 15-year tenure at Citigroup Global Markets. Kelly holds Series 63 and Series 65 licenses. 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 utilizes a structured planning process supported by firm-approved tools and offers a range of investment and financial products through its extensive network.

Ramon Ortel is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 21 years of industry experience. His career includes roles at Citigroup Global Markets from 2005 to 2009 and multiple positions within Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm uses a structured approach involving firm-approved tools and analytics to support client financial plans, managing approximately $2.74 trillion in client assets.

Christine Zamarra is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a councilperson for Bernardsville Borough in New Jersey. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools to assist clients in developing and implementing financial plans.

Kevin Lawlor is a financial advisor at Morgan Stanley with 33 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Craig Weinstein is a CFP® with 27 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at TIAA and Jpmorgan Chase Bank, N.A. He has also been affiliated with Fairleigh Dickinson University. J.P. Morgan Securities LLC 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 brokerage, distribution, and investment management capabilities.

Rob Budziszewski is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2022. He leads a team of financial professionals focused on aligning with clients' evolving needs, collaborating to provide clarity and assist in developing personalized, goal-based financial plans. His approach aims to inspire clients to achieve peace of mind and fulfillment through their financial goals and dreams. Rob has held several positions within Fidelity Investments, including Assistant Branch Leader and Planning Consultant in 2021 and 2022. Prior to joining Fidelity, he worked at Hennion & Walsh, Inc. from 2008 to 2021, serving as Associate Vice President and Investment Associate Supervisor. Outside of his professional responsibilities, Rob enjoys family activities, golf, music, pets, skiing, and traveling.

Marc Hall is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and previously was a partner at Integrity Botanicals, a retail and online botanical products business. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm that provides comprehensive financial planning and investment services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes tailored financial planning supported by structured tools and analysis from its Global Investment Committee.

Michelle Hyde is a financial advisor with Equitable Advisors in Chester, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has worked at Equitable Advisors and Axa Advisors, LLC, as well as serving as an accountant and CPA with Cicchini & Associates. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs primarily through a large network of Investment Adviser Representatives and third-party asset managers.

Lauren Difabritis is a financial advisor at Cetera with 17 years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services, INC., and currently operates Robert DiFabritis & Co. in addition to her role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a variety of program structures and custodial relationships.

Robert Neill is a financial advisor with Morgan Stanley in Morristown, NJ, holding the Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2017. Outside of his advisory role, he serves as a board member for the Borough of Point Pleasant Beach Board of Adjustment. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Linda Gelson is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 42 years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at UBS Financial Services for 11 years. Her other business activities include involvement with multiple trusts and an estate in New Jersey and Nevada. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, with a focus on tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist clients in developing financial plans.

Gregory Calotta is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 29 years of industry experience. He has worked with Cetera and Cetera Financial Specialists LLC since 2005 and was previously associated with Bruno, Calotta & Associates LLP for 28 years. Outside of his advisory role, he owns Calotta Advisory Services LLC, which provides accounting, tax, and consulting services to small businesses and individuals. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.