Stephen Scanapicco is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as prior experience with Citigroup Global Markets and Wells Fargo Clearing. Outside of his advisory work, he is involved with Jellie Belle Holdings LLC, a company engaged in movie productions. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a range of services including estate planning and broad retail and institutional investment solutions.

Jarrell Legagneur is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. He previously worked at Edward Jones and has a varied professional background including roles at Amazon and Sprint. Legagneur is the founder of PostEden LLC, though the business is currently inactive. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and an affiliated insurance agency.

Thomas Armitage is a Private Wealth Advisor within Merrill's Private Wealth Management division. He joined Merrill in 2002 and brings over 30 years of financial industry experience. In his role, he designs integrated wealth management strategies tailored to the needs and priorities of ultra-high-net-worth clients. Thomas develops customized portfolios aligned with clients' long-term goals and incorporates both strategic and tactical elements to help clients navigate changing economic conditions while maintaining a focus on market fundamentals. Thomas is actively engaged with private and public companies preparing for mergers and acquisitions, facilitating access to Bank of America's Commercial and Investment Banking divisions to provide financial solutions. Before joining Merrill, he held roles at J.P. Morgan's Private Bank, Hambrecht & Quist, and Cowen & Co., focusing on Corporate Executive Services. At Hambrecht & Quist, he co-founded and led the Investment Management Consulting Division, which offered access to third-party money managers for both retail and institutional sales forces. Thomas earned a Bachelor's degree from Colorado State University and holds the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute. He is affiliated with professional organizations including ACG New Jersey, Colorado Companies to Watch as a former board advisor, and the Vistage CEO Forum.

Vimal Shah serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works with clients to understand their current financial situations and introduces them to financial solutions available through Merrill and Bank of America. His responsibilities include supporting clients as their financial needs evolve and helping them choose appropriate platforms to manage their finances. Shah's expertise includes assisting clients with a range of financial matters such as investing, retirement planning, and saving for unforeseen expenses. He emphasizes understanding what matters to each client and their family, aiming to develop strategies to pursue their financial goals. Shah holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from The Maharaja Sayajirao University.

Lori Curley is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Ameriprise and Merrill. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and planning tools, offering advisory support without individual security recommendations as part of standalone plans.

Lucille Cilento is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo since 2016. Prior to that, she worked at Prudential Equity Group, LLC for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dmytro Rybalko is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Its advisory process combines quantitative and qualitative research and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Angela Dipalermo is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has worked at UBS since 2022 and previously spent six years at Wells Fargo Clearing. 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 provides a broad range of capital markets and research resources.

Vincent Vadala is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 65 and Series 63 designations and 11 years of industry experience. He has been with UBS since 2016 and previously worked at Northwestern Mutual Investment Management for one year. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of investment products and research to tailor client strategies.

Randolph Doerr is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, Primerica Advisors, OSAIC, and PGIM Investments LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Vladislav Bobkov is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at JP Morgan Securities LLC, J.P. Morgan Chase Bank NA, and Signature Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Tonino Terranova is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His career includes extensive tenure at J.P. Morgan Securities and JPMorgan Chase Bank, as well as roles at Citibank and Citigroup Global Markets. 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 is supported by centralized due diligence combining quantitative screens and qualitative research, with an emphasis on eligible strategies and an ESG framework.

James Bratone is a financial advisor with LPL Enterprise, holding a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Cetera Wealth Services LLC and Cetera, as well as experience outside the financial sector. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional clients. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Scott Kirschner is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His previous positions include roles at Bank of America and Innovative Advocate Group. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies constructed by internal and third-party managers.

Vicki Pace is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2018, with prior experience at Janney Montgomery Scott. Outside of her advisory role, she is involved with Pronto Gift Baskets, a retail and online store in West Chester, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

James Magaziner is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 42 years of industry experience. He has worked at OSAIC since 2018 and previously spent 26 years with John Hancock Life Insurance Company. He is involved in insurance brokerage activities, including health, life, annuities, long-term care, disability, and property and casualty insurance sales. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services such as comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various risk assessment tools, and it is notable for its scale, complex affiliate network, and recent consolidation activity.

Brett Palumbo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies a disciplined process to provide a consistent and customized approach to wealth management, focusing on understanding clients’ individual and professional priorities before making financial decisions. Brett works closely with clients to establish financial objectives, develop tailored action plans, and recommend strategies that integrate all aspects of their financial lives. He also conducts regular reviews to monitor progress and adjust plans in response to life or business changes. With over 30 years of experience in the financial services industry, Brett joined Merrill in 2010. His expertise covers areas including college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Brett holds a Bachelor of Science degree in Finance with a minor in Economics from the University of Delaware. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Brett grew up in Little Silver, New Jersey, and currently resides in Lincroft, New Jersey, with his wife and two children. He is involved in his community through participation in the Lincroft Soccer Board and the Jersey Off Road Bicycle Association (JORBA). His personal interests include baseball, biking, football, and surfing.

Nicole Burns is a financial advisor with Merrill in Morganville, NJ, holding Series 63 and Series 66 credentials. She has 32 years of industry experience, including nine years at Merrill and prior work at Freehold Cartage, Inc. Outside of her advisory role, she serves as executor and holds power of attorney positions related to several estates. 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, and institutional investors.

Craig Reinert is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He works with individuals and families to help them make informed decisions and pursue their financial objectives by developing personalized financial strategies. Craig emphasizes building relationships based on respect and listening, focusing on client goals such as education funding, vacation home purchases, legacy planning, and retirement. With two decades of experience in the financial services industry, Craig has advised individual and small business investors. Before his advisory roles, he worked as a Treasury Analyst at Brown Brothers Harriman. He is a CERTIFIED FINANCIAL PLANNER™ professional and qualified Portfolio Manager who manages customized investment strategies, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He holds Series 7, 63, and 65 FINRA registrations, as well as Life and Health Insurance licenses. Craig earned his bachelor's degrees in Economics and Entrepreneurship & Management from Johns Hopkins University. He is committed to community involvement and spends time volunteering with local organizations. Outside of work, Craig enjoys baseball, basketball, boating, camping, fishing, football, golfing, skiing, traveling, and spending time with his family.

Joe Piacentino is a Financial Consultant at Fidelity Investments, where he has been employed since 2002. In this role, he works with families to develop financial plans aimed at helping them achieve their financial goals. Prior to joining Fidelity Investments, Joe served as an Account Executive at Oppenheimer & Co. from 1999 to 2001. With over 20 years of experience in the financial services industry, Joe's approach involves gaining a comprehensive understanding of each family's vision and utilizing the resources available at Fidelity to address their individual needs. His career reflects a long-term commitment to assisting clients in financial planning. Outside of his professional work, Joe has interests in cooking and baking, caring for pets, reading, and traveling.