Sabrina Persaud is a CFP®-designated financial advisor with 13 years of industry experience, currently with Morgan Stanley in Morristown, NJ. Her prior experience includes nine years at Merrill and Bank of America, N.A. She holds Series 63 and Series 66 licenses. 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 tailored financial planning supported by firm-approved tools and modeling techniques.

Marcia Geltman is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. She has previously worked with Avantax and 1st Global Capital Corp., and served as a partner at Nisivoccia LLP, a tax and accounting firm. Outside of advising, she is active in her community as an administrator and secretary of the Randolph Chamber of Commerce and serves as a trustee for The Growing Stage, a children’s theater organization. Cetera Investment Advisers LLC operates as a large multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services with access to affiliated and third-party managers across various program structures.

Brian Hess is a Senior Financial Advisor at Merrill Lynch Wealth Management. He partners with families, professionals, and business owners to create personalized financial plans and investment strategies tailored to their long-term goals. His approach emphasizes clarity, structure, and confidence in financial decision-making. Brian began his career in 2008 at UBS Wealth Management, where he held various client service, analyst, and leadership positions over 18 years. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, and portfolio management. He holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Fairfield University. Outside of his professional role, Brian is involved in his community through coaching youth lacrosse and serving on the Finance Advisory Council for the Church of Saint James in Basking Ridge. He is also the President of the West Point Island Civic Association in Lavallette, New Jersey. Brian resides in Basking Ridge, New Jersey, with his wife and their three daughters.

Craig Haddock is a Series 66 licensed financial advisor with UBS Financial Services, based in Florham Park, NJ. He has four years of industry experience, including prior roles at MassMutual NJ-NYC and teaching positions at Rutgers University and Nutley High School. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and advisory services, combining institutional trading capabilities with wealth management offerings to tailor investment plans based on proprietary research and model-based asset allocations.

Eric Wilson is a financial advisor with Primerica Advisors in Hackettstown, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at Primerica Financial Services, PFS Investments Inc., Darmstatter Inc., and Dynamic Engineering PC. Outside of advising, he serves as Vice President of WM. H. Wilson Enterprises, is Principal and President of Wilson Engineering PLLC, and manages SludgeHammerNJ, LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based investment strategies and a wrap-fee solution primarily for individual and high-net-worth clients. The firm curates third-party asset managers and oversees model implementation with a focus on percentage-based tiered fees.

Michael Kelly Jr. is a financial advisor with Raymond James & Associates holding a Series 66 designation and 10 years of industry experience. He previously worked at Morgan Stanley for eight years before joining Raymond James in 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Kevin Voorhees is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and has previously worked at J.P. Morgan Institutional Investments and BlackRock. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and a formal alternative-investment onboarding process.

Edwin Bermudez is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2022. His prior experience includes roles at Wells Fargo Clearing and Wachovia Bank, N.A. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Emily Brown is a financial advisor at Ameriprise with 13 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2015. Based in Lebanon, NJ, her career has been focused within the Ameriprise organization. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing both advisory and brokerage solutions through its large institutional platform.

Jason Vigunas is the Vice President and Branch Leader at Fidelity Investments in Morristown. In this role, he leads a team of financial advisors focused on delivering a planning experience that meets client goals and fosters strong relationships. His approach emphasizes personalized guidance to ensure a positive client experience. Jason has been with Fidelity Investments since 2006, holding various positions including Regional Vice President, Vice President Regional Planning Consultant, Account Executive, Investment Representative, and Financial Representative. His nearly two decades of experience at Fidelity reflect a progressive career within the firm. Specific details regarding his education, credentials, personal interests, or community involvement were not provided.

Sydney Davis is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2024, Davis worked at Enfusion and attended the University of Michigan. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Dennis Mojares is a financial advisor with Raymond James Financial in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at M Holdings Securities, Inc. for nine years prior to joining Raymond James in 2025. Mojares is also an associate and financial advisor at Eagle Rock Wealth and Greenberg & Rapp. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a large advisor network with specialized programs such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Susan Landry is a financial advisor with Charles Schwab in Morristown, NJ, holding Series 63, 65, and 66 designations and bringing 24 years of industry experience. She has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017, and previously worked at ProUnlimited. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Brian Keating is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has worked at RBC Capital Markets since 2008 and also serves at City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base that includes individual investors, institutions, and charitable organizations. The firm offers multiple wrap fee advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and custody services, tailoring strategies to each client's Advisory Risk Profile.

Chien Liang Lin is a financial advisor at Ameriprise with 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, Lin is involved with organizations including NYCTCM, Nemacolin Holistic Healing Center, and Lotus Professional College. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that delivers ongoing retirement planning advice through a written Recommendation Report focused on income sources and tax-aware withdrawal strategies.

Richard Dimitrakis is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Financial. He previously worked at Equitable Advisors and AXA Advisors. Outside of financial advising, he owns and manages a logistics and delivery company as well as a bookkeeping business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management programs, supported by extensive technology and operational tools.

Lauren Hickey is a Series 66 credentialed financial advisor with Morgan Stanley in Morristown, NJ, where she has worked since 2018. She has four years of industry experience. Outside of her advisory role, she is an Activities Team Leader at Morris Animal Inn, a pet resort, where she provides weekend and holiday care for animals. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services.

Robert Milligan Jr. is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial. His prior roles include positions at Morgan Stanley and Concurrent Advisors. Outside of his advisory work, he owns Milligan Auction Company and acts as an auctioneer for nonprofit benefits. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports a broad advisor network with specialized municipal and retirement plan consulting services.

Joseph Kay is a financial advisor with RBC Capital Markets in Florham Park, NJ. He holds Series 63 and Series 66 designations and has 29 years of industry experience. His work history includes roles at City National Bank and RBC Capital Markets LLC, where he has been employed since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring investment strategies to each client’s risk profile using both in-house and third-party managers.

Ethan Hundley is a Series 63 registered advisor with 28 years of industry experience, currently affiliated with OSAIC since 2024. He previously worked at Ic Advisory Services Inc and The Investment Center Inc, and has operated his own firms, Hundley Advisors LLC and Hundley Burn LLC, which provide tax planning and business accounting services. Hundley is involved in nonprofit activities as treasurer of the New Jersey chapter of the National Association of Tax Professionals and serves as president of the Small Business Wellness Foundation, a nonprofit supporting small business education and resources. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and rebalancing, with a platform notable for its scale, complex affiliate network, and private-equity ownership.