Justin Skarbnik is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. His career includes roles at Wells Fargo Advisors LLC, Citigroup Global Markets, and Morgan Stanley DW Inc. He is based in Bedminster, NJ. 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 emphasizes research-based portfolio management and diversified investment options.

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.

Matthew Lapera serves as an Associate Resident Director at Merrill, where he provides personalized wealth management strategies tailored to individual client needs. He specializes in areas including equity compensation services, family wealth management, investment consulting for defined contribution plans, liquidity management, retirement income planning, and values-based investing. His approach centers on developing strategies that reflect clients' long-term financial goals and adapting to changing market conditions. A native of New Jersey, Matthew began his financial career as a Merger Arbitrage Analyst on the New York Stock Exchange before transitioning into wealth management. He spent four years as a financial planner at Morgan Stanley before joining Merrill to leverage its resources for improved client service. Matthew holds a Bachelor's Degree from Monmouth University and maintains professional designations as a Certified Private Wealth Advisor, Chartered Retirement Planning Counselor, and Personal Investment Advisor. He is a member of the IMCA & Investments and Wealth Institute®. Outside of his professional role, Matthew participates in community volunteering activities consistent with Merrill's tradition of community involvement. He also enjoys billiards, boating, chess, fishing, football, golfing, running, swimming, traveling, and spending time with his family.

Brett Locker is a financial advisor with LPL Financial based in Warren, NJ. He holds the Series 66 designation and has one year of industry experience. Outside of his advisory role, he is involved with Herc Rentals Inc and coaches sports and fitness activities through Trilax Inc. 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 financial planning and investment management services through a large network of advisors utilizing model portfolios, third-party subadvisors, and customizable strategies.

Peter Berzins is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. In addition to his advisory role, Berzins serves on an advisory committee for the Bass Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services across a broad platform.

Viktor Misko is currently serving as Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2025. He has been associated with Fidelity Investments in various capacities since 2010, including Vice President Wealth Planner and Investor Center Financial Consultant, reflecting a continuous professional commitment within the firm. Prior to joining Fidelity, Viktor worked as a Financial Advisor at Merrill Lynch and Morgan Stanley. Throughout his career, Viktor has focused on helping clients simplify their financial lives, aiming to empower them towards financial independence through trusted guidance. His team's mission emphasizes supporting clients in managing their financial affairs so they can concentrate on what matters most to them and their families. He seeks to be a key resource for all aspects related to his clients' financial needs. Outside of his professional responsibilities, Viktor has an interest in family activities, fitness, football, pets, reading, and soccer.

Edie Kelly is a Series 66 credentialed financial advisor with 16 years of industry experience. She has worked at LPL Financial since 2016 and previously spent six years at Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Lawrence Metzger is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he serves as a licensed USCG captain on weekends for a charter boat business operated by his family. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services through an integrated platform that combines brokerage, advisory, and custody functions.