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 in Bedminster, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliates since 2014. Figurski serves on the Board of Directors for Medix Pro Clot LLC. Ameriprise offers a retirement-income planning service focused on clients with at least $1 million in net investable assets, providing tailored recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver these services through a centralized consulting team.

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 Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. In addition to his advisory role, he is a licensed real estate salesperson with LOVI Real Estate LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.

Shenghua Wang is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio management, third-party asset management arrangements, and access to a range of brokerage and insurance products via its integrated platform.

Laura Osifchin is a financial advisor with Merrill, holding a Series 66 credential and seven years of industry experience. She has been associated with Bank of America and Merrill since 2018. Outside of her advisory role, she has held fiduciary positions, including roles as a successor trustee and executor. Merrill, along 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. before joining LPL Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party research, and various investment strategies.

Jack Lind is a financial advisor with Charles Schwab in Bridgewater, NJ, holding Series 63 and Series 66 designations and 25 years of industry experience. He has previously worked at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Lind has been with Charles Schwab and its affiliated entities since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Jeffrey Schwartz is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

David Emson is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and six years of industry experience. His work history includes roles at Morgan Stanley since 2017 and a prior position with The Rock Creek Group. Outside of his advisory duties, he serves as a trustee or co-trustee for a trust in Scotch Plains, New Jersey. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning that incorporates firm-approved tools and methodologies.

Jonathan Brosnan is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2000, currently operating out of Bridgewater, NJ. Prior to joining Bank of America, N.A. in 2026, he spent over two decades with Merrill Lynch. 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.

Matthew Graziano is a financial advisor with Morgan Stanley in Morristown, NJ. He holds a Series 66 designation and has three years of industry experience. Prior to joining Morgan Stanley in 2022, his work history includes roles at Family First Life, Northwestern Mutual, and several other companies across different industries. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Julianne Rose is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses with eight years of industry experience. She previously worked at Rockefeller Financial LLC and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Anthony Ruscetta is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. His prior work experience includes roles at Hobart and William Smith Colleges and other diverse positions outside the financial industry. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kaylee Guerra is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Financial Advisor at Merrill Lynch from 2017 to 2024. In her current position, she collaborates with clients to develop customized financial plans tailored to their unique family needs, focusing on strategy identification and ongoing communication. Kaylee holds a California Insurance License, supporting her ability to advise clients on insurance-related financial matters. Outside of her professional work, she has interests in board games, comedy, family activities, football, pets, and softball.

Justin Skarbnik is a financial advisor with Wells Fargo Clearing in Bedminster, NJ, holding a Series 66 designation and 21 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 Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Schwartz is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets Inc from 2007. 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. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Brett Locker is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is involved in coaching and fitness through Trilax Inc. 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 range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Allison Walsh is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2008. Outside of her advisory role, she is involved in The Garden Cottage, a retail and online store based in Morristown, New Jersey. Morgan Stanley Wealth Management is a large institution serving both individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.