Susan Daly is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2011. Outside of her advisory role, she is a notary public in Yonkers, NY. 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, supported by proprietary research and a broad range of capital markets activities.

Rafael Medina is a financial advisor with J.P. Morgan Securities in Yonkers, NY, holding Series 63 and Series 65 licenses. He has 18 years of industry experience, including 14 years at J.P. Morgan Securities and has also been with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a focus on eligible investment strategies and incorporates ESG criteria.

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.

Alan Concha III is a CFP® with seven years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Merrill, Bank of America, Smallwood Wealth Management, and Securities America Advisors. Outside of his advisory work, he is employed at Aero Flight School in a non-investment capacity. 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 range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational tools.

Mark Graham is a Series 63-licensed financial advisor with 17 years of industry experience, currently affiliated with Primerica Advisors. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2004. Outside of his advisory role, he has been involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Brooke Collins is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing six years of industry experience. Prior to joining Morgan Stanley, Collins held roles at WildFig Data, Taxxa, KIND Snacks, Villanova University, and Groundswell Surf Cafe. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning using structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Christopher Butler is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 16 years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2009 to 2024. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and comprehensive capital markets services.

Sarah Burrows is a financial advisor with Raymond James Financial in Saddle River, NJ, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her prior experience includes roles at UBS Financial Services and Wiss Private Client Advisors. In addition to advising, she is involved as an associate employee in administrative work at Saddle River Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and advisory programs and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Rosero Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and over 25 years of industry experience. His prior roles include positions at JPMorgan Securities, Key Client Fiduciary Advisors, and The Prudential Insurance Company of America. He was also involved in a commercial cleaning business from 2019 to 2022. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program among other services.

Victor Anthony Jr. is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and 38 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he is a silent partner in two adult day habilitation-related businesses in New Jersey. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor advice to client goals and risk tolerances.

James Sbarra is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. Prior to that, he worked at LPL Financial and Invest Financial Corporation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG eligibility where applicable, and leverages extensive derivatives and commodities capabilities.

Ever Onofre Gonzalez is a financial advisor at Fidelity with eight years of industry experience and holds Series 63, 65, and 66 licenses. His prior roles include positions at ThinkEquity LLC, Aegis Capital Corp, and Paulson Investment Co., LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines proprietary fundamental research with quantitative and algorithmic methods, offering services such as discretionary portfolio management and multi-manager fund structures.

Angela Shaw is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2022. In her role, she focuses on building strong relationships by understanding clients' goals and needs to provide personalized financial guidance. Angela collaborates with clients to anticipate life transitions and prepare financially for them, utilizing a comprehensive planning approach and Fidelity's resources. Prior to joining Fidelity Investments, Angela worked as a Financial Advisor at PNC Investments from 2019 to 2022 and at JP Morgan Securities from 2018 to 2019. This experience has contributed to her expertise in financial advising. Outside of her professional work, Angela enjoys activities such as spending time at the beach, watching comedy, football, engaging in outdoor adventures, scuba diving, and caring for pets.

Donald Mckay is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he has served as a guardian responsible for managing the financial and health needs of a family member. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored using proprietary research and model-based asset allocations.

Eric Wolf is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. His prior roles include positions at HSBC Bank USA, HSBC Securities (USA) Inc., Chase Investment Services Corp., and M&T Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies delivered primarily by its network of investment adviser representatives.

Robert Gariano is a CFP® professional with 12 years of industry experience. He is affiliated with Cetera and operates Gariano Wealth Management, where he serves as a financial advisor. He has been with Cetera and its related entities since 2015. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a variety of portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Krisha Ashton is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for three years and Merrill for eight years before joining LPL Financial. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 investment adviser representatives.

Steph J'appiah is a Planning Consultant at Fidelity Investments, where they work to deliver a high-quality planning experience for clients. In this role, Steph focuses on helping clients clearly understand their financial situations and confidently pursue their goals. Steph assesses client needs and provides guidance in a clear and meaningful way. Their approach involves offering tailored support, encouraging proactive financial decisions, and collaborating with clients to develop strategies aligned with each client's unique priorities. Outside of their professional role, Steph has personal interests that include comedy, fishing, skiing, soccer, and table tennis.