David Natt is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at Autonomous Research US LP for six years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling.

Deborah Dunne is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Thrivent Investment Management since 2002 and has worked under Scott Siripalaka at Thrivent Financial since 2022 and Mark Kleindienst from 2012 to 2022. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, focusing on holistic, goal-based planning across a broad range of topics without discretionary trading authority or institutional portfolio management.

Steven Fuchs is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, he has been involved in ventures such as Meadows Home Care LLC and Hudson Valley Hoosiers. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities.

Joyce Rojas is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 23 years of industry experience. She has worked at LPL Financial since 2021 and previously held roles at J.P. Morgan Securities and JPMorgan Chase Bank. In addition to her advisory work, she operates My Success Studio, LLC, a business not related to investment activities. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and various operational tools.

Christopher Simone is a Series 66-licensed financial advisor with eight years of industry experience, currently with UBS Financial Services in Paramus, NJ since 2017. Prior to joining UBS, he worked in the Bucknell University Department of Community and Leadership while completing his education at Bucknell University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management, leveraging proprietary research and capital market assumptions to tailor investment strategies.

Barry Cavagnaro is a financial advisor at UBS Financial Services with 40 years of industry experience. He holds the Series 63 designation and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, delivering services that include fee-based financial planning and portfolio management supported by proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services and operates a diverse platform including futures commission merchant activities and securities-backed lending.

Jeffrey Gravenhorst is a financial advisor with UBS Financial Services, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Lawrence Siliato is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 42 years of industry experience. His career includes nearly four decades at Metlife Securities Inc. before joining Mass Mutual in 2016. He is also involved in health and group insurance sales through a non-MassMutual brokerage. 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 offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved analytical tools.

Timothy Coughlin is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at JPMorgan Chase Bank NA for nine years before joining UBS in 2026. He holds Series 63 and Series 65 registrations. 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 and provides access to proprietary research and affiliated banking programs.

Yash Dalal is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Dalal serves as a board member for the Asha-Vijay Foundation, a private nonprofit organization. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing a structured planning process supported by firm-approved tools.

Leila Ross is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has worked at Merrill from 2001 to 2013 and has been with LPL Financial since 2013, while also participating in Private Portfolio Partners 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, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Mazzatta is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and is based in Paramus, NJ. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Berlamino is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been associated with Genworth Financial Securities Corporation since 2005 and has operated his own CPA firm providing tax and accounting services since 1995. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment management and financial planning services through a large network of advisors, utilizing both affiliated and third-party managers across multiple program structures.

Antonio Competiello is a financial advisor with OSAIC, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Fidelity Investments and Equitable. OSAIC Wealth, Inc. serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of investment management tools and third-party platforms.

Isabella Bogdanos is a Financial Consultant currently working with Fidelity Investments since 2021. She has held several roles within the company, including Financial Consultant I and Planning Consultant, progressing to her current position in 2024. Prior to joining Fidelity Investments, Isabella worked as a Financial Consultant at Equitable Advisors from 2018 to 2021. Throughout her career, Isabella has focused on building relationships with clients to understand their financial goals and priorities. She collaborates with clients to develop personalized investment plans that address their needs and preferences, adjusting strategies as life circumstances change to provide ongoing support. Isabella's experience spans multiple years in financial consulting, with a consistent emphasis on client-centered planning. Additional information regarding her education, credentials, or personal interests has not been provided.

Samantha Awad is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020. Prior to that, she was with Morgan Stanley Private Bank, N.A., from 2015 onward. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ryan Margolin is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and with 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with T3 Entertainment Group, LLC, an entertainment industry consulting and connecting company. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured planning tools and a range of investment products.

Kyle Kithcart is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Frances Heath is a financial advisor with UBS Financial Services and holds Series 63 and Series 65 credentials. She has 40 years of industry experience, including 25 years at UBS, where she has worked since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Peri Jacobowitz is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and 14 years of industry experience. She previously worked at MetLife Securities Inc. and has been with MassMutual since 2016. Outside of her advisory work, she operates a retail business focused on creating and selling personalized gifts. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, and charitable organizations. The firm offers annual collaborative planning engagements supported by firm-approved analytical tools and also provides specialized services including estate-settlement and employer-sponsored planning programs.