Thomas Wallach is a financial advisor with Cetera, holding the CFP® and PFS™ designations and the Series 66 license. He has 26 years of industry experience, including over two decades with Cetera and its affiliates since 2005. In addition to his advisory work, Wallach owns Wallach Financial Services, LLC, where he provides tax preparation and planning services. He serves as vice president of the Chi Phi fraternity and is a board member at Hunterdon Preparatory School. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management and consulting services through a nationwide network of independent advisors.

Shanon Ohlweiler is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing firm-approved tools and methodologies to support client goals.

Viviana Lousado is a financial advisor at Charles Schwab with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments and Prudential Insurance Company of America. She is based in Bridgewater, NJ. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational infrastructure.

Taylor Boorse is a financial advisor with Merrill, holding a Series 66 designation and based in Bridgewater, NJ. Boorse has been with Merrill since 2025 and previously worked at Bank of America, N.A., as well as holding various roles outside the financial industry including positions related to community organizations and education. 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 individual, high-net-worth, and institutional clients.

Matthew Giordano is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, he served in various educational roles including positions at Bernards Township Board of Education and several universities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and has unique offerings in municipal advisory services and employer SIMPLE IRA consulting programs.

Csilla Daloia is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery conversations and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Jayson Dowd is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He worked at Morgan Stanley Smith Barney for nine years before joining Merrill in 2022. 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.

Jon Kempner is a CFP®-certified financial advisor with Morgan Stanley in Morristown, NJ, bringing 28 years of industry experience. He has previously worked at Bank of America and Merrill, and he is currently affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is the sole proprietor of a real estate business in Florham Park, New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct financial advising and corporate financial planning agreements.

Anton Check is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2020. In his current role, he focuses on understanding clients' financial goals and collaborating with them to develop tailored financial plans using Fidelity's strategies and investment options. Anton brings extensive experience to his position, having worked as a Wealth Management Advisor at TIAA-CREF from 2014 to 2020. Prior to that, he served as a Financial Advisor at JP Morgan from 2012 to 2014 and at Morgan Stanley from 2010 to 2012. He holds a California Insurance License, supporting his expertise in financial planning and wealth management. Outside of his professional work, Anton enjoys activities such as spending time at the beach, cooking and baking, fitness, exploring culinary experiences as a foodie, scuba diving, and snowboarding.

Sean Stodart is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses and having 12 years of industry experience. His prior roles include positions at Minnesota Life Insurance Co, Allied Wealth Partners, and Securian Financial Services. He is also engaged in an outside insurance business focusing on life, fixed annuities, disability, and long-term care products. 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 financial planning, asset management, and educational seminars, utilizing firm-approved software for goal analysis and recommending investment strategies without discretionary authority.

John Alex is a financial advisor at Morgan Stanley with 36 years of industry experience. He has held various roles within Morgan Stanley since 2011, including positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides financial planning services that emphasize structured discovery and modeling outcomes without individual security recommendations.

Michael Hittner is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he partners with clients to understand their short- and long-term financial goals and helps build customized financial plans tailored to their unique needs. Prior to his current position, Michael served as a financial advisor at Merrill from 2011 to 2022. He holds a California Insurance License, which supports his expertise in financial consulting and advising. Michael emphasizes forming strong relationships with his clients and their families, maintaining a deep level of trust, reliability, and competency throughout his professional practice.

Suzanne Orsulak is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Morgan Stanley and its affiliated entities since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm employs a structured planning process that utilizes firm-approved tools and models to help clients develop financial plans, while generally acting in an advisory capacity without providing individual security recommendations as part of standalone planning.

Paul Stappas is a financial advisor at MassMutual Investors Services with 47 years of industry experience. He has been with MML Investors Services, Inc. since 1992 and with MassMutual Life Insurance Company since 1991. He holds a Series 63 designation and owns a bookkeeping services business that provides referrals and general management. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning using firm-approved analytical tools.

Meredith Tierney is a Series 66-registered financial advisor with Morgan Stanley in Morristown, NJ, with 10 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

James Swanton is a CFP® certificant with 10 years of experience in financial advising. He has been with Edward Jones since 2015. Outside of his advisory role, he serves as Vice President of the Clinton BNI networking group in Clinton, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

Joan Brock is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1998. Outside of her advisory role, she has ownership in a rental property in Montague, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Elizabeth Coronato is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2011. The firm, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. Merrill offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Wagner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James & Associates since 2007. 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, and municipal entities, offering financial planning and non-discretionary investment consulting supported by research and multiple portfolio management strategies.

Christopher Mazza is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS and Oppenheimer & Co. Prior to his financial advisory career, he was involved in managing Griff's Place Sports Bar for seven years. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including Monte Carlo simulations to model financial outcomes.