Ryan Conklin is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith, Incorporated from 2014 to 2020 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and modeling techniques.

James Elsman is a financial advisor with Wells Fargo Clearing in Mountain Lakes, NJ. He holds Series 63 and Series 65 licenses and has 40 years of industry experience. Prior to his current role, he worked at Wells Fargo Advisors LLC for seven years. He also serves as co-trustee for his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Gandolfo Taravella is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities since 2014, with a three-year tenure at Morgan Stanley in between. Outside of his advisory role, he manages several family-owned condo rental properties in New Jersey. 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. The firm delivers these services on a non-discretionary basis, combining institutional advisory operations with brokerage, distribution, and investment management capabilities.

Meredith D'Ovidio is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Her career includes multiple roles at Morgan Stanley since 2021 and prior work at Waterlily and Loyola University Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and advanced planning tools to develop tailored financial plans.

Joseph Falbo is a CFP® professional with 30 years of industry experience, currently advising clients at LPL Financial since 2017. Prior to joining LPL, he worked at National Planning Corporation for five years. He has authored investment-related educational materials through an entity called Falbo Education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party subadvisors, and technology-driven tools.

Richard Byank is a CFP® and ChFC® credentialed advisor with 21 years of industry experience. He currently works at Cetera and previously spent 19 years at Ameriprise Financial Services. He also has an active role as a Wealth Management Advisor with Wealthspring Financial Partners LLC, providing financial planning and portfolio management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Kristopher Taubald is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors. Taubald serves as a vice president for Track Group Stats, assisting with membership processes on a volunteer basis. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Paul Soranno is a financial advisor with Ameriprise in Kenvil, NJ, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Bridgehampton National Bank. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers its services through a centralized consulting team and integrates algorithmic tools alongside human review to tailor retirement income strategies.

Lucas Cervelli is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 66 and Series 63 licenses with three years of industry experience. Prior to joining Morgan Stanley in 2022, his work history includes roles at The College of New Jersey and Regal Consultants Corp., as well as seasonal positions with Long Beach Island Beach Patrol. He is also the sole proprietor of EchoLine LLC, a technology consulting business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and advisory resources, including the Global Investment Committee’s return estimates and Monte Carlo simulations, to support clients’ financial goals.

Lloyd Winkler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Winkler also works as an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Melissa Hertzberg is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she collaborates with individuals, families, and business owners to develop personalized financial plans and tailored investment portfolios aimed at achieving their specific goals. Melissa's approach focuses on delivering service, strategic guidance, and advice to help grow and protect client wealth. She graduated with Highest Honors from the College of Business and Economics at Lehigh University, an honor awarded to those ranking in the top 5% of their class. Melissa holds professional designations as a Certified Divorce Financial Analyst (CDFA) and a Personal Investment Advisor (PIA). Her areas of expertise include college education planning, corporate executive services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, and individual and corporate investment strategy. Beyond her client work, Melissa serves on the board of the Morristown Short Hills Market Women's Exchange, an employee network group focused on enhancing client service and supporting the careers of women through philanthropic and educational initiatives. She grew up in Somerset County, New Jersey, and currently resides in Hoboken. Melissa's personal interests include basketball, chess, cooking, dancing, skiing, spending time with her family, and watching movies.

Greg Bayvel is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has provided wealth management services with a focus on building valued relationships with clients and their families through a disciplined and customized approach. Greg works closely with clients to understand their priorities and develops strategies to help achieve their financial goals, conducting regular reviews to ensure alignment with any life changes. He has been in the financial services industry since 2005 and holds a Bachelor's degree with a double major in Economics and Management and Labor Relations from Rutgers University, obtained in 2004, as well as an M.B.A. from Rutgers Business School with a focus on Finance, earned in 2012. Greg holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Greg is active in community involvement, participating in organizations such as Habitat for Humanity, St. Peter's Orphanage, Team in Training, and The Hoboken Shelter. He has completed over twenty marathons raising funds for various charities including the Leukemia and Lymphoma Society and the ALS Association of NYC. Greg resides in Boonton Township, NJ, with his wife and sons.

John Gallagher is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Gallagher also holds a real estate license. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Michael Venturi is a financial advisor at Merrill with 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1994. He holds a Series 66 designation and is based in Florham Park, New Jersey. 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.

Mary Perrone is a financial advisor at Morgan Stanley with 34 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is involved with Wired Delivery, an online retail business, and works as an independent travel advisor with Dream Vacations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates various modeling tools and advisory services.

Eric Brubaker is a CFP® professional affiliated with Edward Jones, where he has worked since 2019. He has six years of industry experience and has held roles outside finance including positions at Ramapo Country Day Camp and involvement with political campaigns. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Carlton Johnson is a financial advisor with LPL Financial, holding a Series 63 designation and over 30 years of industry experience. He has been with LPL Financial since 2004. In addition to his advisory work, he is a notary and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. Mass Mutual 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 and asset management using firm-approved software and structured annual planning relationships.

Brian Marzulli is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at City National Bank and RBC Capital Markets since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile.

Frank Dolce is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and City National Bank before joining RBC. Outside of his advisory role, Dolce serves on the advisory board of the Lake Mohawk Golf Club and is involved with several non-investment business ventures in environmental consulting and acting employee leasing. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with flexible portfolio management options that incorporate both in-house and third-party investment managers, alongside services such as financial planning, custody, and brokerage.