Robert Moreira is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 12 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of his advisory role, he coaches the JV hockey team at Don Bosco Preparatory High School and has managerial duties at Nanni Ristorante. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning supported by structured discovery conversations and proprietary tools, managing approximately $2.74 trillion in client assets.

Barbara Delaney is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has worked at LPL Financial since 2010 and has been associated with Global Retirement Partners, LLC since 2015. 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 advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Brian Higgins is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Merrill since 1983 and also has tenure at Bank of America, N.A. since 2012. Merrill serves a diverse client base that includes individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage execution and custody services. The firm emphasizes manager selection and monitoring through its CIO and platform oversight and integrates closely with Bank of America affiliates to support trading, lending, and capital markets activities.

Georgios Kyriakopoulos is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Merrill since 2017 and previously was with GenSpring (SunTrust Bank) and operated as a self-employed advisor. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Paul Svetik is a financial advisor with MassMutual Investors Services in Paramus, NJ, holding a Series 63 designation and bringing 29 years of industry experience. He has been with MassMutual-related firms since 2016, including a current role at Massachusetts Mutual Life Insurance Company since 2017. Outside of his advisory work, Svetik is involved in insurance brokerage sales focused on property, casualty, and group health through separate entities. MassMutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved analytical tools to deliver detailed planning and offers various investment programs alongside educational seminars.

Mario Afram is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at UBS Financial Services Inc. from 2011 to 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Jean Sears is a financial advisor at Ameriprise with 17 years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for 13 years before joining Ameriprise in 2021. Outside of advising, she owns Smart and Simple, LLC, which manages business expenses related to her Ameriprise franchise, and is involved in independent insurance brokering focused on long-term care. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering tailored, research-based recommendations through a centralized consulting team. The firm combines advisory, brokerage, and insurance solutions and employs algorithmic tools alongside professional oversight to support retirement planning.

Adam Riback is an Investment Consultant at Fidelity Investments, based in the Nanuet, NY Investor Center. He collaborates with clients to develop customized financial plans that align with their short and long-term goals, emphasizing strong relationships and trust with clients and their families. Adam has been with Fidelity Investments since 2021, advancing from Financial Consultant to Planning Consultant before his current role as Investment Consultant. Prior to joining Fidelity, he served as a Senior Financial Consultant at TD Ameritrade from 2019 to 2021 and as a Financial Specialist at Allstate Life and Retirement from 2015 to 2019. He holds an AR Insurance License. Outside of his professional work, Adam enjoys outdoor activities such as camping, hiking, kayaking, scuba diving, and skiing. He also dedicates time to volunteering in his community.

Andrew Squillante is a financial advisor with Fidelity in Paramus, NJ. He holds a Series 66 designation and has one year of industry experience. Prior to joining Fidelity, his background includes education at SUNY Binghamton University and work at Dwight-Englewood School. 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 employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves a variety of clients such as registered investment companies and charitable funds.

Crystal Roger is a financial advisor at RBC Capital Markets with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored strategies based on each client's risk profile, utilizing both in-house and third-party investment managers and providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Cameron Bibb is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 63 designation and has worked at several firms, including Newbridge Securities Corporation and LPL Financial. In addition to his advisory role, he serves as an independent consultant and teacher for 12th-grade students at Harlem Children's Zone Promise Academy Charter Schools. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party managers.

Elijah Rawls is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Citigroup, Bank of America, and Merrill. He has worked with Charles Schwab and Charles Schwab Bank since 2024. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 integrated custody and brokerage services.

Shraga Goldhirsch is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and beginning his advisory career in 2026. He has been associated with Massachusetts Mutual Life Insurance Company since 2012. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Dionne Archer is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Gregory Libby is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Prior to that, he was at Citigroup Global Markets beginning in 1998. Outside of finance, he is the owner and president of the Village Boat Club in Tuxedo Park, NY. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Loveleen Engineer is a financial advisor at LPL Enterprise with 11 years of industry experience. They hold Series 63 and Series 66 designations and have previously worked at Wells Fargo Clearing, JP Morgan Securities LLC, and HSBC Securities among other firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Jason Sperber is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 63 and Series 66 designations and has worked previously at City National Bank and RBC Capital Markets. Outside of his advisory role, he is involved in the resale of timepieces through a privately owned business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Luis Martinez is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. He has 22 years of industry experience, including nine years at UBS Financial Services and six years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Robert Tria is a financial advisor at Ameriprise with 30 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jose Vicente Jr. is a CFP®-designated financial advisor with Ameriprise, bringing 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is a co-owner of NJ2CA, LLC, a financial planning business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while emphasizing the use of Ameriprise-managed accounts.