Tonya Conroy is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 13 years of industry experience. She has been with Wells Fargo entities since 2012, including Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, using research and analytics to guide investment strategies.

Thomas Morrissey Jr. is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Outside of his advisory role, he operates a furniture business and works as a greeter at Whiteface Mountain in New York, providing information to skiers about conditions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes use of firm-approved tools and market simulations.

Bradford Bonner is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Short Hills, New Jersey office. He has 20 years of experience working with high net-worth individuals and institutional investors, developing investment strategies aimed at meeting both short-term needs and long-term financial goals. His approach includes using in-depth personal profiles to understand clients' financial objectives and priorities, offering advice on a range of asset classes including alternative investments. Brad graduated from Lafayette College with a bachelor's degree in Economics and a minor in English. He is a Personal Investment Advisor (PIA) and began his career in the institutional equity sales and trading training program at Merrill Lynch before spending six years with Oppenheimer & Co. He serves in several community roles including Chair of the Scholarship Committee for The College Men's Club of Westfield, Executive Board Member of The Pingry School Alumni Board, Ice Hockey Trustee of the Beacon Hill Club, and is active with Camp Dudley. Outside of his professional work, Bradford enjoys golfing, playing adult ice hockey, boating, fishing, hiking, tennis, traveling, and spending time with his family. He lives in Westfield, New Jersey with his wife, Alexandra, and their three children.

Michael Dunleavy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior work includes roles at Santander Securities, LLC and Santander Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Murray Bell is a financial advisor with Morgan Stanley Wealth Management in Short Hills, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been associated with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by providing 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 a structured financial planning process that incorporates proprietary tools and market outcome simulations.

Michael Hurley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. He has been with Wells Fargo Clearing since 2019 and has concurrently been involved with Tracy Pearce Interior Design since the same year. Prior to his current role, he has worked at Wells Fargo Bank, NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Levine is a CFP® with 30 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Vallejos is a financial advisor at LPL Enterprise with Series 65 and Series 66 credentials and three years of industry experience. He has held roles at several firms including T.D. Bank N.A., Edward Jones, Bank of America, and Merrill. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Shivani Desai is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked in various roles within JPMorgan Chase and other organizations since 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Linda Yu is a financial advisor at LPL Financial with seven years of industry experience. She holds a Series 66 designation and has worked previously at Forester Financial, The Investment Center Inc, and IC Advisory Services Inc. Outside of her advisory role, she owns and operates Yu's Black Belt Institute, a business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and model portfolios from multiple sources.

Christopher Hodge is a CFP®-designated financial advisor at Fidelity with 26 years of industry experience. He has worked within various divisions of Fidelity since 2000, including Fidelity Brokerage Services Inc., Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, an IRS-qualified Charitable Gift Fund, and registered investment companies. The firm employs a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and provides model portfolios and fund advisory services.

Michael Merlo is a financial advisor at Wells Fargo Clearing with 52 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as Treasurer of the Kiwanis Club in Linden, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Marco Rita is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His prior work includes 12 years at PNC Investments and ongoing roles at Fulton Bank and Raymond James Financial Services since 2018. Outside of his advisory work, he is involved as a landlord in a rental real estate business. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client risk profiling and offers advisory services supported by extensive affiliate networks and outside managers.

Allan Sanford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in August 2000, following over eight years of service in the United States Army and the management of a radiology group. Allan specializes in working with clients to develop individualized asset allocation strategies aligned with their financial goals. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Allan holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Allan earned his high school diploma from Vernon Township High School and holds an associate’s degree from the American College of Radiology. He is a life member of the Disabled American Veterans and the Veterans of Foreign Wars and has served as an Ambassador for the Newark Regional Business Partnership and as President of the Franklin Lakes Chamber of Commerce from 2000 to 2004. Allan resides in Pittstown, New Jersey, and his personal interests include fishing, football, golfing, hiking, photography, spending time with family, and traveling.

Keith Langworthy is a financial advisor at Morgan Stanley with 22 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Langworthy holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients with a focus on tailored financial planning and a comprehensive suite of investment services. The firm manages approximately $2.74 trillion in assets and uses structured planning processes supported by advanced analytical tools.

Peter Gelwarg is a financial advisor with Morgan Stanley in Basking Ridge, NJ, holding a Series 66 designation and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs. The firm provides tailored financial planning supported by structured processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Jessica Granier is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, with additional experience at Sanctuary Securities, Inc., Sanctuary Advisors, LLC, and Ameriprise Financial Services, Inc. Prior to her financial services career, she was employed at Monmouth Rubber and Plastics Corporation and had roles related to Virginia Polytechnic Institute and State University and The Marina at Oceanport. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated within Bank of America’s broader platform, providing access to various trading, lending, custody, and investment services.

Paul Maletsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Paul works with individuals and families to understand their financial situations, risk tolerances, time horizons, and liquidity needs in order to develop aligned financial strategies. His approach combines personalized service with investment insights from Merrill and access to Bank of America banking services. Paul holds a Bachelor's degree from Lafayette College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch Wealth Management in 2013, he worked as an equity trader and held positions as an analyst and portfolio manager on Wall Street. He also spent three years as a Managing Director at a consulting firm specializing in community banking. Outside of his professional career, Paul enjoys golfing, spending time with his family, and traveling. He emphasizes understanding clients' values through one-on-one conversations to help them pursue their life goals and plan their legacies.

Matthew Pennell is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at MassMutual, Samuel Klien and Co, and a background in education at Bentley University and Shore Regional. Merrill offers managed account services through the Select Portfolio Solutions program to a wide range of clients, including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates model-based and discretionary investment strategies with access to a broad corporate platform through Bank of America.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.