Tiffany Stewart is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Morgan Stanley. Her prior experience includes nine years at UBS Financial Services and two years working in the hospitality sector. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process incorporates structured discovery conversations and firm-approved tools, focusing on advisory services without individual security recommendations in standalone plans.

Gregory Ruppel is a financial advisor with LPL Financial, holding the Series 66 designation and bringing four years of industry experience. Prior to joining LPL Financial in 2022, he worked at Marks Paneth and Fairfield University. Outside of his advisory role, he has been involved with Hackensack Golf Club since 2014. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support various investment strategies.

Caroline Carrello is a financial advisor at Morgan Stanley with one year of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Possip, Inc., AlphaSights, and Sirus and Associates. 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 services supported by firm-approved tools and methodologies.

Michael Tenore is a Series 66-licensed advisor with Fidelity Investments in Nanuet, NY. He has been with Fidelity since 2026 and has a diverse background including roles in educational and religious organizations as well as in moving and storage services. Prior to his financial advisory role, he held positions at institutions such as Gordon-Conwell Theological Seminary and Trinity Broadcasting Network. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios composed of mutual funds, ETFs, and ETPs with oversight of sub-advisers and a structured approach to governance and conflicts of interest.

Simona Bagwill is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 credential and four years of industry experience. She previously worked at UBS and the Ramsey Golf and Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Vincent Villodas is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

John Clarke II is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 credential and 21 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory work, Clarke serves on a NICU Advisory Board and is involved in construction projects through a personal business venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including managed portfolio options supported by research from LPL Research and third-party subadvisors.

Gregory Chimenti is a financial advisor at Merrill with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2009. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Spencer Ernst is a financial advisor at Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses with approximately one year of experience at Morgan Stanley. His prior work experience includes roles at KeyBank, The Lubrizol Corporation, and Babson College, among others. He has also been involved with Coach Adam Fun LLC. 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 supported by structured discovery conversations and firm-approved tools.

Michele Christiansen is a financial advisor at RBC Capital Markets with 32 years of industry experience. She holds Series 63 and Series 65 designations and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm provides a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

John Mamone Sr. is a financial advisor at Morgan Stanley with 53 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides customized planning through its Financial Advisors and Estate Planning Strategies Group.

Patrick Henry is a CFP® with 22 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products alongside advisory services. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations, offering a comprehensive suite of advisory and brokerage services.

Robert Sullivan is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked in various capacities for over 30 years. He has served as a senior NASDAQ position trader, Director in equity sales trading, and a general partner and equity portfolio manager at an investment fund. For the past twelve years, he has focused on wealth management advisory roles, including working with individuals, families, and non-profit organizations to develop long-term financial strategies. Robert's areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income planning, and socially responsible investing. He holds a Bachelor of Arts degree in Economics from Williams College and a Master of Business Administration from the University of North Carolina. Additionally, he earned his CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2013 and holds other professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A long-time resident of Ridgewood, New Jersey, Robert and his wife have raised four children. He is actively involved in his community through coaching basketball and baseball and supports local athletics through volunteer work. In his spare time, he enjoys golfing.

John Woznicki is a financial advisor at UBS Financial Services with 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005 and holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Anthony Stramiello is a Financial Consultant at Fidelity. In this role, he works closely with clients to develop practical, long-term financial strategies tailored to their individual goals. His approach emphasizes building relationships based on trust, transparency, and a shared commitment to clients' financial well-being. Anthony has held several positions within Fidelity, including Investment Consultant, Financial Representative, and Customer Relationship Advocate. This progression reflects his experience in various aspects of financial services and client support. Outside of his professional work, Anthony has personal interests that include cars, cooking and baking, family activities, golf, movies, and reading.

Stephen Steinthal is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent eight years with Fieldpoint Private Securities. 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 modern portfolio theory and includes a broader range of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Brian Criscione is a financial advisor at Charles Schwab with nine years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2022, following six years at UBS Financial Services. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, combining multi-asset model portfolios with centralized supervisory and custodial operations.

Kieran Finnegan is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing financial advice that is personal, understandable, and tailored to each client's unique goals and circumstances. By simplifying complex financial decisions and developing actionable strategies, Kieran aims to help clients gain clarity, build confidence, and make informed choices about their financial future. He is passionate about assisting clients in making smarter financial decisions and building lasting relationships through personalized guidance. Kieran helps clients navigate various financial opportunities and challenges with clarity and purpose. Kieran holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He completed an Accredited Certificate Program at the University of Connecticut and earned a Bachelor's Degree from the State University of New York.

Kieran Morris is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, Morris teaches lacrosse to children in Bronxville, New York. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers its services both directly to individuals and through corporate financial planning agreements.

Asher Kennedy is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.