Michele Cestone is a financial advisor at RBC Capital Markets with a Series 66 credential. Michele has recently entered the industry, having worked previously at Morgan Stanley and spent several years as a student. Outside of finance, Michele works as a caddie at Hamilton Farm Golf Club, providing on-course advice and customer service to golfers. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

William Ryan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and over 33 years of industry experience. His career includes roles at Merrill, Morgan Stanley Wealth Management, Morgan Stanley Private Bank, and JPMorgan Chase Bank, N.A. Outside of his advisory work, he is involved in real estate ownership as a partner in multiple properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative research to develop model allocations, with capabilities that include derivative and commodities expertise.

Goutam Ghosh is a financial advisor at Morgan Stanley with 23 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Pratibha Sharma is a financial advisor at Merrill with two years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise, PNC Bank, and in insurance advisory roles. 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 a wide range of individual, institutional, and nonprofit clients.

Fernando Valente is a financial advisor with LPL Financial, holding a Series 63 designation and 34 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and previously worked at WS Griffith Securities, Inc. from 2002 to 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting its network of over 22,800 advisors.

Kathryn Mantell is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has previously worked with Avantax and 1ST Global Advisors. Outside of her advisory role, Mantell serves on the executive board and as treasurer for local Boy Scouts of America councils and is treasurer of the Randolph Area Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to individuals, retirement plans, corporations, and institutional clients. The firm provides a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Douglas Collins is a financial advisor at Cetera with 19 years of industry experience. He holds a Series 66 designation and has worked with Avantax Investment Services and 1st Global Advisors, among other firms. Collins is a partner at Nisivoccia & Company, LLP and serves on several nonprofit and advisory boards, including the Deacon Family Foundation and the House of the Good Shepherd. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and provides access to third-party money managers through both discretionary and non-discretionary programs.

Clifford Virgin III is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding a Series 63 designation and over 38 years of industry experience. His career includes positions at UBS Financial Services and City National Bank. He serves as treasurer for Friends of Montclair NJ Baseball and is a board member of The 100 Club of Montclair New Jersey, an organization supporting families of fallen public safety personnel. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering customized advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm utilizes a mix of in-house and third-party investment managers and provides integrated capital markets capabilities.

Mark Dzamba is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise since 2007 in various capacities. His other business activities include fiduciary services. 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 written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Michael Tomko is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 designations. Before joining Equitable Advisors in 2021, he worked at National Securities Corp from 2014 to 2020. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm uses a range of advisory models and third-party asset managers to deliver tailored investment solutions.

Carmela D'anna is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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.

Scott Hunter is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high net worth individuals and families, offering long-term partnership to help steward wealth, navigate complex financial situations, and support client priorities over time. His approach focuses on building enduring relationships, applying comprehensive strategies that consider markets, risk, taxes, legacy, and family dynamics. Scott's role encompasses financial and cash flow strategy creation, portfolio construction and management, and guiding clients through significant financial decisions. Scott began his financial advisory career in 2001 after graduating from Rutgers University. He has worked at firms including Tucker Anthony and UBS prior to joining Merrill Lynch in 2008. He holds several professional designations including Certified Private Wealth Advisor (CPWA®), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also registered for Series 7 and 66 and holds a life insurance license. Outside his professional work, Scott lives in Morris County, New Jersey, with his wife and three children. He enjoys coaching youth sports, cooking, and volunteers as a CrossFit® Level 1 coach. He is involved in his local community through volunteer leadership and staff roles for Habitat for Humanity and the Park Youth Lacrosse Program.

Andre Bakhos is a financial advisor with J.P. Morgan Securities in Warren, NJ, holding Series 63 and Series 66 licenses and having five years of industry experience. He previously worked at Equitable Advisors and JPMorgan Chase Bank, N.A., and has been involved with Alpha Sigma Phi from 2021 to 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with both quantitative and qualitative research and may incorporate ESG eligibility criteria.

Keith Schoch is a financial advisor with Equitable Advisors in Morristown, NJ. He holds Series 65 and Series 66 licenses and has 20 years of industry experience, including 15 years with Axa Advisors, LLC. Schoch has been with Equitable Advisors since 2005. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Robert Haderer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 1994 and specializes in wealth management and individualized portfolio development. As a Portfolio Manager, he manages his own Personalized or Defined Strategies on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus encompasses family wealth management strategies, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree in Commerce and Finance from Villanova University School of Business and is designated as a Personal Investment Advisor (PIA). His approach to managing wealth is centered on understanding each client's complete financial picture to develop flexible and personalized financial strategies that align with their long-term goals. In addition to his professional responsibilities, Robert participates in community service by volunteering with local organizations, reflecting the Merrill tradition of community involvement.

Erin Burke is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 14 years of industry experience. She previously worked at Lord Abbett from 2015 to 2018 before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Don Giovanello Jr. is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors Inc. and Morristown Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and a broad non-advisory financial services network.

Robert Mrozek is a Planning Consultant at Fidelity Investments, where he collaborates with clients at various stages of their financial lives. He aims to help each client work toward their individual financial objectives by creating customized financial planning experiences. Robert has worked in the financial services industry since 2020. Prior to his current role, he was a Retirement Specialist at PGIM from 2022 to 2025, a Client Relationship Specialist at Charles Schwab from 2021 to 2022, and a Financial Services Representative at Merrill Edge from 2020 to 2021. He holds insurance licenses in Arkansas and California. Outside of his professional work, Robert has interests in baseball, beach activities, cooking and baking, football, and traveling.

Kevin Lanahan is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Signator Investors, Inc. for 22 years prior to joining OSAIC in 2018. He serves as a board trustee for the Mendham Area Senior Housing nonprofit organization. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports a range of investment programs through a multi-advisor platform and maintains a complex affiliate network and private-equity ownership.

Charles Levine is a financial advisor with UBS Financial Services in Florham Park, New Jersey, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.