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.

Jay Goldberg is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure with Axa Advisors. His other business activities include involvement in various outside insurance businesses. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and diverse asset management programs. The firm’s approach involves assessing client information and risk tolerance to align clients with appropriate advisory models, utilizing both firm-offered programs and third-party asset managers.

Joseph Tardiff is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, initially serving as a Planning Consultant before assuming his current role in 2024. Prior to joining Fidelity, Joseph worked as a Financial Solutions Advisor at Merrill Lynch from 2014 to 2022. His professional experience spans various aspects of financial consulting and planning. Joseph's career objective focuses on providing sound and helpful financial guidance to clients, aiming to make a meaningful difference in their lives. He is committed to pursuing further education and certifications to enhance his ability to deliver financial advice. Outside of his professional work, Joseph's personal interests include beach activities, concerts, golf, music, surfing, and swimming.

Joseph Maccariello is a Series 66-licensed advisor with Cambridge Investment Research Advisors and has four years of industry experience. His prior work includes roles at Bank of America, Merrill, and Innovative Advocate Group. He is also employed in several tax service businesses in Staten Island and New Jersey. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management strategies and custody arrangements.

Kristine Ens is a financial advisor at Ameriprise with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for seven years before joining Ameriprise in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written Recommendation Reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edward Allegra is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2023 and Morgan Stanley Smith Barney LLC since 2022. Prior to joining Morgan Stanley, he was involved with BioLum Sciences LLC for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Shane Learn is a financial advisor at LPL Financial with a Series 66 credential and experience beginning in 2022. His career includes roles at Cadaret, Grant & Co., Inc., Petersen Advisors, and ABMM Financial. He has also worked in education at Florida State University and Winding Brook School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Michael Boulos is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Fields Boulos Group, a role he has held since joining in the fall of 2020. In this capacity, he focuses on deepening client relationships and providing detailed wealth planning. Michael constructs personalized financial strategies aimed at achieving his clients' financial goals and regularly reevaluates their current situations to provide updated advice. He holds a Bachelor's Degree from Villanova University, earned in 2017, where he served as philanthropy chair of the Sigma Chi Fraternity. Michael also obtained his Juris Doctorate from New York Law School in 2020 and was admitted to the New York Bar Association in 2021. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is involved with professional and community organizations such as LunchBreak and the Beauty Foundation of New Jersey. In his free time, he enjoys playing golf and tennis, collecting sports cards, working out, and spending time with family and friends at the beach.

Jarred Colaiacovo is a financial advisor at Merrill with Series 65 and Series 63 licenses. He has been with Merrill and Bank of America since 2026, previously working at PNC Bank and other firms. He holds no prior industry experience before 2026. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.

Arthur Crist is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gerald Silberman is a financial advisor at Mass Mutual Investors Services with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017. Prior to that, he was with Metlife Securities Incorporated for seven years. Outside of his advisory role, he is involved in insurance brokerage, focusing on individual life, disability, long-term care, fixed annuities, and group insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using technology to analyze client goals and offers event-driven planning programs such as divorce and estate-settlement planning.

Francis Bitterly is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Bitterly is also the author of a book titled *Spiritual Wisdom from the Heart of Wall Street* and serves as a trustee for New Hope IBHC, a hospital and rehabilitation organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 structured planning tools that incorporate Monte Carlo simulations and Secular Return Estimates.

Richard Gunderud is a Financial Consultant currently working at Fidelity Investments since 2025. He partners with clients to pursue financial success through comprehensive financial planning and guidance, focusing on understanding clients' goals and needs to co-create customized financial plans tailored to their unique financial situations. His approach aims to provide financial peace of mind and assist clients in making effective financial decisions. Prior to his current role, Richard served as an Investment Consultant at Fidelity Investments from 2023 to 2025. He has held several positions in the financial services industry, including Financial Consultant at E*TRADE From Morgan Stanley (2020-2023), Managing Director at C&A Financial Group (2019-2020), Manager of Financial Services at Prudential Financial (2018-2019), and Vice President at MassMutual Financial (2015-2017). Outside of his professional work, Richard's personal interests include family activities, fitness, movies, parenthood, and pets.

Steven Dietz is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Cetera Advisors LLC since 2022 and previously spent eight years at National Securities Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to third-party money managers via multiple program structures.

Robert Cutrupi is a financial advisor at Raymond James Financial with 45 years of industry experience. He held a position at Morgan Stanley from 1983 to 2019 before joining Raymond James in 2019. He is the owner of The Cutrupi Group, LLC, a support company offering financial services to individuals through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm utilizes analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.