Jonathan Lewandowski is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services and JPMorgan Securities. Outside of his advisory work, he serves as a soccer trainer for the River Dell Blackhawks. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Dressel is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client decision-making.

Dona Rozsypal is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 65 credentials. Outside of her advisory role, she is involved in property investment through ownership of a house renovation business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning using structured tools and models, managing approximately $2.74 trillion in client assets.

Matthew Decrosta is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment strategies and institutional resources in its offerings.

Ying Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management in Paramus, New Jersey. She has over 30 years of experience in accounting, financial analysis, corporate budgets, and financial services. She joined Merrill in 2007 and focuses on providing personalized wealth management strategies to high-net-worth individuals, families, small business owners, non-profit organizations, and international corporations. Ying specializes in corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Ying holds a Master's degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor's degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is fluent in English and Chinese and emphasizes a process-oriented, personalized approach to building long-term trust relationships with her clients. Residing in Paramus, New Jersey, Ying resides with her husband and son. Outside of her professional duties, she enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. Ying's philosophy is to collaborate one-on-one with clients to develop personalized financial strategies designed to pursue their long-term goals.

Christian Graff is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 10 years of industry experience. He has been with UBS Financial Services since 2016 across various roles. Graff has a dormant affiliation with the Family YMCA in McKinney, Texas. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Derek Levy is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, following nine years at Citigroup Global Markets. He serves as a board member and finance committee member of The Jewish Home Family Foundation, a nonprofit focused on health and welfare. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process using firm-approved tools.

Ruba Zorob is a Planning Consultant at Fidelity Investments. In this role, she focuses on building trust and understanding client needs to help develop personalized financial plans. She collaborates closely with advisors to support clients in working towards their financial goals. Prior to her current position, Ruba worked as an Investment Counselor at Fisher Investments from 2021 to 2022. She also has experience as an Investment Analyst at Merrill Lynch, where she worked from 2017 to 2021.

David Prushan is a financial advisor at Cetera with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated firms since 2005. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Seth Hillman is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 20 years of experience serving clients in various aspects of wealth management, including college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Seth holds the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp and the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree from the University at Buffalo. He resides in Glen Rock, New Jersey, with his wife Rayna and their two children.

Kevin Kautzmann is a CFP® professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and previously worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he is involved in independent insurance sales through his ownership and representation in related entities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and diversified portfolios using stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Martin Mc Ginley is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Summit Financial, Purshe Kaplan Sterling Investments, and Massachusetts Mutual Life Insurance Co. since 2014. J.P. Morgan Securities LLC 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.

John Dikun is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 26 years of industry experience. He has been with LPL Financial and its predecessor entities since 2000 and also maintains a CPA practice dating back to 1989. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Nicholas Gariano is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked at Disney and ESPN. He also operates Gariano Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, overseeing more than $256 billion in assets through a network of over 10,000 advisors.

Eliot Meshulam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMORGAN Chase Bank, N.A. since 2010. 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 combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Roger Moss is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior firms include Ameriprise, Banc of America Investment Services, The Investment Center Inc, and Ic Advisory Services Inc. He is also involved in tax preparation and accounting through Mileto Tax Prep. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides various investment programs and institutional platforms, combining a wide range of advisory tools with extensive non-advisory financial services.

Thomas Tansey is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior work includes roles at MBSC Securities Corporation/BNY Mellon, Merrill, and Wells Fargo Clearing. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Heitzner is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Crestron Electronics and attended the University of Delaware. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yulli Camargo is a financial advisor at Primerica Advisors with a Series 66 designation and experience beginning in 2024. Prior to joining Primerica Advisors, Yulli has held roles at Hinshaw & Culbertson LLP, LPL Enterprise LLC, Pruco Securities LLC, and Clark Law Firm, PC. Outside of advisory work, Yulli is involved in the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Yocari Lara is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and 13 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for seven years and SW Financial for one year. She is also engaged in independent contracting and personal services outside of her investment advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice and account management delivered primarily by investment adviser representatives using both custom and third-party strategies.