Monece Andre Franco is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and Chase Bank, as well as academic positions at Ramapo College of New Jersey. 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.

Jeremy Brower is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he is an owner and partner of Breathewave Technologies Inc., a health and wellness business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Karl Kreshpane is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds a Series 63 designation and has worked at UBS since 2016, following a tenure at Morgan Stanley from 2002 to 2016. Outside of finance, he serves as treasurer for Goodfellas Restaurant Inc. and owns Serenity River Farm LLC, which produces firewood, maple syrup, and nettle tea. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, delivering investment solutions based on proprietary research and model-based strategies.

Louis Tomasella is a financial advisor with Raymond James Financial who holds a Series 66 designation and has 25 years of industry experience. He manages LCT Wealth Management, LLC, and has been affiliated with Raymond James Financial since 2001. He also serves as power of attorney for a family member’s financial accounts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports a wide network of advisors and affiliated firms.

Romil Bhagat is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with LPL Financial since 2004 and served at Private Portfolio Partners, LLC from 2016 to 2025. Bhagat is involved in selling group health, disability, and fixed life insurance through STATMEDIX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, using a range of model portfolios and third-party subadvisors, supported by advanced operational tools.

Jutta Kaiser is a financial advisor with Equitable Advisors, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Equitable Advisors since 2001, including time when the firm operated as AXA Advisors, LLC. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs delivered through its network of Investment Adviser Representatives and third-party asset managers.

Don Santangelo is a financial advisor with Edward Jones in Pompton Plains, NJ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Zumper, HomeKeepr, RentCred Inc, and Century 21 Gemini LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Daniel Roh is a CFP® professional with 34 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has been with Jpmorgan Chase Bank, N.A. since 1999. Outside of his advisory role, Roh volunteers as a firefighter with the Fort Lee Fire Department. J.P. Morgan Securities 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, distribution, and investment management capabilities.

John Szymanski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a combination of discretionary and non-discretionary retirement plan services, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Richard Sepulveda is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that encompass both direct client engagements and Corporate Financial Planning agreements.

Roxana Menendez is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 23 years of industry experience, including nine years at Merrill and several years at Morgan Stanley and its related entities before joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dennis Oconnor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Advisors since 2012. Oconnor is also associated with Investment Strategies Group, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning solutions, from retirement and education to specialized areas like business-owner transition and special-needs analysis, using proprietary research and tools to tailor client recommendations.

Joseph Haynes is a financial advisor at UBS Financial Services in Paramus, NJ, with 56 years of industry experience. He has been with UBS since 2006 and holds Series 63 and Series 65 licenses. 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.

Christopher Willson is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 17 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

Michael Rubinstein is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 63 designation and bringing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through a structured process that uses firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Anthony Macagna is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. Prior to this role, he served as an Investment Consultant at Fidelity Investments in 2013 and as an Investment Adviser at MetLife Securities from 2009 to 2013. His professional focus includes helping families pursue tax-efficient investing and integrating estate planning considerations into his comprehensive financial strategies. Anthony emphasizes building partnerships based on trust and clarity, guiding clients with strategies aligned to their goals and ensuring they understand the reasoning behind every decision. He leads his clients with a collaborative approach and looks forward to introducing them to his team.

Paul Zielinski is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera since 2011. In addition to his advisory role, Mr. Zielinski owns and operates an accounting and tax practice, Worster & Associates CPAs, where he provides tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and investment strategies.

Carolyn Simon is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities, Wells Fargo Bank, and Regent Atlantic. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Susan Witt is a financial advisor at Morgan Stanley in Paramus, NJ, with 20 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Corethia Oates is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, Oates is a board member of the Construction Industry Association of New Jersey and a certified Maxwell Leadership Coach, engaging in coaching, speaking, and leadership training. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and offers a variety of investment and financial services, including relationships with private funds and affiliated commodity pool operations.