Steven Coury is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has previously worked at PNC Bank and Fairleigh Dickinson University. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets through tailored strategies and firm-approved planning tools.

Michael Natale is a financial advisor at OSAIC Wealth, Inc. with 22 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Merrill, and Banc of America Investment Services. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of account structures and investment strategies.

Christopher Reicen is a financial advisor at UBS Financial Services in Warren, NJ, holding a Series 66 designation with 14 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver customized financial planning and portfolio management.

John Milacki is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes 30 years at Metlife Securities Inc. before joining Mass Mutual in 2016. Outside of his advisory role, he is a partner at Optimum Financial Group LLC and part owner of a retail business in Southport, NC, where he handles payroll bookkeeping. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services, with financial planning structured as an annual, collaborative process using firm-approved analytical tools.

Steven Gottlieb is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes positions at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009, including his current role with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques; the firm manages approximately $2.74 trillion in client assets.

Daniel Munoz is a financial advisor with J.P. Morgan Securities in Somerville, NJ. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. His career includes positions at JPMorgan Chase Bank, N.A. since 2008 and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process leverages centralized due diligence and incorporates quantitative and qualitative research, offering a range of strategies that may include an ESG eligibility framework.

Julianne Gallina is a financial advisor with Primerica Advisors in Lebanon, NJ, holding Series 63 and Series 65 licenses and with one year of industry experience. She has worked at Primerica Advisors since 2025 and previously at Michael Gallina in 2024. Outside of advising, she has been involved in non-investment business activities related to home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, with a focus on model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with over 3,600 financial advisors and approximately $15.5 billion in assets under management.

Mara Miller is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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.

Jaclyn Neuwirth is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant and Central Relationship Manager at Fidelity Investments, and earlier in her career, she worked at Charles Schwab as an Associate Financial Consultant and Client Service Specialist. Jaclyn's professional experience spans various aspects of financial consultation and client service within the investment industry. She holds a California Insurance License, which complements her expertise in financial planning and investment consultation. Jaclyn emphasizes the importance of creating financial plans that begin with clients' aspirations and a clear understanding of available options. She focuses on empowering clients through education and building long-term trusting relationships. Outside of her professional work, Jaclyn enjoys camping, family activities, horseback riding, and traveling.

Jordan Kizmann is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with five years of industry experience. His work history includes various roles within Morgan Stanley since 2019, as well as positions related to public service in New Jersey, including work with the Office of the Governor and the Wisconsin Youth Company. 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 and financial planning services that utilize structured discovery processes and firm-approved tools to tailor plans to client needs.

Emma Carey is a financial advisor with Merrill and holds a Series 66 designation. She has eight years of industry experience, including prior roles at UBS Financial Services and Pactolus Private Wealth Management. Carey is currently based in Flemington, NJ. 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 plans, corporations, and charitable organizations.

Margaret Mcclain is a Series 66-licensed financial advisor with Merrill, based in Bridgewater, NJ. She has 20 years of industry experience and has been with Merrill since 2015. 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.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment models and third-party managers.

Michael Figurski is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at UBS Financial Services, PNC Wealth Management, and Cetera Wealth Services. He serves on the Board of Directors for Medix Pro Clot LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice based on written reports, focusing on dependable income sources and tax-aware withdrawal strategies.

Mark Ciccarelli is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. He holds the Series 66 designation. 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 financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Rakesh Agrawal is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. Outside of advising, he is involved as a real estate salesperson with LOVI Real Estate LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers a range of financial planning, asset management, and insurance services.

Shenghua Wang is a financial advisor at LPL Enterprise with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Prudential Insurance Company of America and MSI Financial Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Laura Osifchin is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill since 2018. Prior to her current role, she was involved with Lean Out Communications LLC and Avantor, Inc. She has also had a fiduciary role outside of her advisory work. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers both model-based and discretionary strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.

Huiqing Gu is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of advisory work, she is active as a sales agent in insurance brokerage, specializing in individual and group life, health, dental, disability, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, annual planning engagements.

Raymond Rudorfer is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. His current role at LPL Financial began in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing models, third-party subadvisors, and customized strategies supported by technology tools, and it oversees over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.