Craig Eckenthal is a financial advisor with Stifel in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Stifel since 2007. Outside of his advisory role, he is affiliated with CE STRAND LLC, a company formed to manage his interest in a previously disclosed real estate partnership. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Donnamarie Pecora is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and five years of industry experience. Before joining Morgan Stanley in 2019, she worked at Integrated Planning Group and has previous experience with Coldwell Banker and the West Orange Board of Education. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Stella Dunn is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials with 26 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Fauzia Huma is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at Bank of America, N.A., Connolly & Co, and Nimbus Infinity LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Jozefek is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked with IC Advisory Services, Inc. and The Investment Center Inc. since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Sean Kelliher is a CFP® professional with 27 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Kelliher participates on the Series 7 Item Writing and Review Committee, contributing to the development and review of exam questions. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Samantha Kucevic is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has previously worked at Balance Face and Body and Fairleigh Dickinson University. 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 that uses structured discovery conversations and firm-approved planning tools to support client decision-making.

John Luke Bongiorno is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Bank of America and Merrill Lynch. Outside of finance, he has worked in the food service industry, including a role at Bridgewater Diner. 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, combining non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts.

Kevin Cernuto is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, with prior experience at METLIFE Securities. Outside of his advisory role, he is also an insurance agent specializing in life, disability, long-term care, fixed annuities, and health products. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational services with an emphasis on collaborative, annual planning engagements.

John Kelly is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Franco Piarulli is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank, N.A. since 2018. 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 investment modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Howard Horowitz is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as First Republic Investment Management. Outside of finance, he serves as a director of a laundromat business in Morristown. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kevin Coutinho is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and PricewaterhouseCoopers. Outside of advisory roles, he is also employed as a personal banker at Provident Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program options and custodial relationships.

James Famula is a financial advisor with LPL Enterprise, holding Series 65 and Series 66 licenses and 25 years of industry experience. He previously worked at Ameriprise Financial Services and Royal Alliance and has operated his own golf academy since 2011. 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 investment and insurance products through its integrated advisory and brokerage platform.

Zain Merchant is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, he held positions as a Workplace Planning Consultant and Investment Solutions Representative within Fidelity Investments. His experience also includes roles as AVP Premier Banker at Wells Fargo, Financial Solutions Advisor at Merrill Lynch, and AVP Branch Manager at PNC Bank. Zain holds a California Insurance License. His professional focus involves collaborating with clients to develop personalized, holistic financial plans that address both current and future goals. He emphasizes building long-term relationships to help clients achieve peace of mind.

Patrick Maguire is a financial advisor at Raymond James Financial with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously spent 20 years at M Holdings Securities, Inc. Outside of his advisory work, he serves on the advisory board of AtiDot Software Ltd, providing business consulting. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals and maintains specialized offerings in municipal advisory and SIMPLE IRA consulting.

Peter Carollo Jr. is a CFP® with 40 years of industry experience. He is currently with OSAIC and previously worked for Lincoln Financial Securities Corporation for 17 years. In addition to his advisory role, he is an insurance agent offering accident, health, disability, long-term care, life insurance, and annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations. The firm provides brokerage and advisory services with access to multiple platforms, employing various asset allocation tools and third-party solutions to construct and manage portfolios.

Christopher Kete is a financial advisor at Cetera with 50 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera since 2023, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Kete is also involved in a financial services business under the name Private Client Group. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

David Stuto is a financial advisor at Merrill with 28 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, previously spending nearly a decade at Morgan Stanley Smith Barney and Morgan Stanley & Co Inc. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Omer Sander is a financial advisor at Stifel with eight years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at JPMorgan Securities LLC for seven years. Outside of his advisory role, he is a general partner and equal owner of a commercial real estate LLC. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.