Rosario Greco is a CFP® designated financial advisor with 39 years of industry experience. He has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp. for 22 years. He also maintains an agent position with Greco Nader and Associates, where he sells life insurance, fixed annuities, and long-term care products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct portfolios tailored to client needs.

Sara Jean De Palma is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63, 65, and 66 licenses and having nine years of industry experience. She has worked at Morgan Stanley since 2020 and previously held positions at Park Ave Securities and Guardian. Outside of her advisory role, she bartends and waitresses at local establishments including Lakeside Tavern and Muldoon's. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a variety of investment offerings across retail and institutional markets.

Thomas Murphy is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 credential and has worked at several firms including Merrill, Bank of America, and UBS Financial Services. His career spans roles in multiple major financial institutions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations, as part of its financial planning process.

Carmela Nocerino is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She previously worked at Morgan Stanley from 2016 to 2022 before joining Raymond James Financial Services Advisors in 2022. Outside of her advisory role, she is a silent partner in a pet care business called Paw Prints by Olivia. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting supported by analytical tools and maintains notable municipal advisory and SIMPLE IRA consulting programs.

Richard Boyle is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America and New York Life. He has also worked in education at Rowan University and Penn State University. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Fred Jaramillo is a CFP® professional with 23 years of experience in financial advising. He has worked at Wells Fargo Advisors since 2019 and previously spent three years at Morgan Stanley. Jaramillo is a 50% owner of MRFJ Capital Corp and serves as a trustee for the company’s related 401(k) plans. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Jed Glick is a CFA® charterholder based in Morristown, NJ, with seven years of industry experience. He has worked at firms including Seelaus Asset Management, Ibex Wealth Advisors, and currently LPL Financial and Active Management, LLC. Outside of his advisory role, he consults for OptMyCare, a healthcare IT company, advising on decks and valuations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by a large network of investment adviser representatives and utilizes both proprietary research and third-party strategies.

Yuriy Zabihaylo is a Series 66-licensed advisor at LPL Enterprise with three years of industry experience. He previously worked at Pruco Securities LLC and spent 15 years with ALC "Vesna-Zakhid." His outside activities include involvement in a non-variable insurance agency affiliated with Prudential. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Jingtong Zhi is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley in 2018 and returning in 2020, Jingtong held roles at Loyola University Maryland and American Eagle Outfitters. Morgan Stanley Wealth Management is a large institution 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 a structured planning process supported by the Global Investment Committee’s analyses and approved tools.

Michael Riley is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at AXA Advisors, Metlife Securities, Merrill, A.G. Edwards & Sons, Inc., and Ameriprise. Outside of advising, he is involved in a family trust as a trustee and maintains a small outside insurance business. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes a range of third-party advisory models and proprietary solutions without sponsoring its own wrap fee program.

Daniel Santos is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Wells Fargo Clearing. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment implementation is model-driven and includes access to third-party asset managers and participation in wrap programs, along with affiliated insurance and trust services.

Nicholas Gentile is a CFP® with nine years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services since 2019. His prior roles include positions at Minnesota Life Insurance Co., Allied Wealth Partners, and Securian Financial Services Inc. He also works as an insurance agent specializing in group health and property/casualty insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning relationships using approved analytical tools and provides specialized services such as divorce planning and estate-settlement programs.

Andrew Crozier is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His prior work includes positions at LPL Enterprise, The Prudential Insurance Company of America, and various educational institutions. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to client goals.

Brian Reiss is a CFP®-credentialed financial advisor with Ameriprise, based in East Windsor, NJ, and has 32 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2015. Outside of his advisory role, he serves as Chairman of the Board of Directors for the First Presbyterian Church of Hightstown. Ameriprise is a large institutional firm offering retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a combination of advisory, brokerage, and insurance solutions, using a centralized consulting team that delivers tailored, research-based recommendations to support clients’ retirement income planning.

Kevin Amerio is a Certified Financial Planner (CFP®) with 19 years of experience in the financial services industry. He has been with UBS Financial Services Inc. since 2006. Outside of his advisory role, he maintains a LinkedIn profile and dedicates limited non-trading time there. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor solutions for clients.

Robert Kaufman is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding the Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with J.P. Morgan Securities since 2008 and also employed by JPMorgan Chase Bank, N.A. since 2010, enabling him to offer certain bank products and services alongside investment advisory. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling and centralized due diligence. The firm offers tailored advice on asset allocation, investment manager searches, and performance reporting through a select group of Wealth Advisors.

William Ford is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has worked with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory work, he serves as treasurer for a high school basketball club and a high school reunion committee, and he is a member of the Elks Organization. Equitable Advisors provides financial planning, retirement consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory programs and third-party asset managers and offers ERISA fiduciary services through credentialed representatives.

Jennifer Fernandez is a financial advisor at Fidelity with seven years of industry experience. She has worked at several notable firms including JPMorgan Chase Bank, Merrill, Bank of America, and Prudential before joining Fidelity. In addition to her advisory role, she is the managing member of Koala Kids Wear LLC, an online retail business specializing in children's clothing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base through discretionary portfolio management, fund advisory, and model portfolio services.

Peter Issackedes is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise, he has worked at Wegmans Food Markets, Bergen Community College, Pascack Valley High School, and Holdrum Middle School. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses a model-driven investment approach with access to third-party asset managers and offers additional services such as financial planning, trust custody, insurance products, and lending programs.

David Watson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His career includes roles at Mass Mutual Investors Services and Metlife Securities prior to joining Raymond James in 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, charitable organizations, and municipal entities, providing financial planning, non-discretionary investment consulting, municipal advisory services, and institutional consulting through specialized divisions.