Alyssa Scardelli is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 13 years of industry experience, including prior roles at Goldman Sachs, Bank of America, and Merrill. Outside of her advisory work, she is involved as an incorporator and member of an LLC related to personal property management. 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 proprietary research and institutional trading capabilities within its wealth management services.

James Alario is a Planning Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having previously served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2017 to 2023, and as a Registered Client Service Associate at Oppenheimer & Co., Inc. from 2011 to 2017. Throughout his career, James has focused on helping clients pursue their financial goals by building meaningful relationships and providing tailored guidance based on individual client needs. He is committed to continuing his professional development through further education and certifications to enhance his expertise and advance his career.

Shannon Ricciardi is a financial advisor at Morgan Stanley in Red Bank, NJ, with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. 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 and estate planning services, managing approximately $2.74 trillion in client assets.

Christopher Heiser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with various entities within JPMorgan Chase since 2011, including J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG criteria and broader derivatives capabilities.

Zachary Brown is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2018, following a brief period at Cadaret, Grant & Co., Inc., and prior experience at Chow Now. Brown serves as president of the Atlantic Highlands First Aid Rescue Squad, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing research model portfolios, third-party subadvisors, and customized strategies.

Daniel Lloyd Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as a core advisor on the Napoli Lloyd Group team. He began his career as a summer intern with the group in 2015 while attending Rutgers University, and has since advanced to his current role focused on delivering comprehensive wealth management strategies to high-net-worth individuals and families. He specializes in simplifying complex financial decisions by aligning investment strategy, cash flow planning, and long-term objectives to help clients preserve and grow wealth across generations. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning. Daniel completed Merrill's Financial Advisor training program in 2023 and holds the designations of Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Raised in the Shrewsbury and Red Bank area of New Jersey, Daniel takes pride in serving his local community and is involved with professional organizations such as the Monmouth Beach Fire Company and Red Bank Elks. Outside of his professional work, he enjoys golfing, cooking, traveling, and spending time with friends and family at the beach.

Thomas Bongiorni is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Mass Mutual Life Insurance Company since 2018. In addition to his advisory role, he is involved as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

Michael Lee is a CFP® professional with seven years of industry experience, currently affiliated with Cetera. His prior work includes roles at Equitable Advisors and AXA Advisors, as well as ownership of MSL Capital Management Group, a business operated under Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Anthony Cusanelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists individuals and families in reaching their financial goals through personalized wealth management strategies that adapt to evolving market conditions. His approach integrates insights from Merrill's investment expertise and the financial products of Bank of America. Anthony has developed considerable market knowledge throughout his dynamic career on Wall Street, building trusted relationships with C-level executives, institutional analysts, and high-net-worth individuals. He specializes in areas such as college education planning, corporate executive services, family wealth management, portfolio management, socially responsible investing, and strategies tailored to small businesses, sports, and entertainment sectors. He holds a Bachelor's Degree from Kings College and the Personal Investment Advisor (PIA) designation. Outside of his professional life, Anthony enjoys adventure sports, chess, ice hockey, soccer, tennis, volleyball, and spending time with his family.

Christopher Bonfiglio is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having 16 years of industry experience. His prior roles include positions at Avantax Advisory Services and Advisor Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with options including model portfolios, third-party managers, and customized strategies.

Calvin Zhao is a CFP® professional at J.P. Morgan Securities with 17 years of industry experience. His career includes roles at Eagle Strategies, New York Life Insurance Co., HSBC Securities, and Santander Bank. He is based in Brooklyn, NY. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach combines quantitative and qualitative research with forward-looking capital market assumptions and incorporates ESG criteria where applicable.

Mei Ang Zheng is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC since 2016. 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 and fund searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research, with a focus on model asset allocations and an ESG eligibility framework.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs 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 a structured planning process supported by firm-approved tools and market modeling techniques.

Joseph Perna is a financial advisor with LPL Enterprise holding Series 65 and Series 63 licenses and 30 years of industry experience. His career includes roles at several firms, including Wells Fargo, Citizens Securities, Clarfeld Financial Advisors, and most recently LPL Enterprise. LPL Enterprise serves a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm offers model-driven investment advisory and brokerage services, financial planning, and access to third-party asset managers, with notable involvement in non-securities products such as affiliated trust custody and insurance services.

Zachary Stabile is a financial advisor at Equitable Advisors with a Series 66 designation and no prior industry experience. His work history includes roles at Ultimate Ripz, eBay, and various educational institutions. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm relies on a network of Investment Adviser Representatives and third-party program sponsors to deliver a range of advisory models and fiduciary services.

Jeffrey Cristadoro is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including B. Riley Wealth Management, National Securities Corp, HSBC Securities (USA), and Chase Investment Services. Cristadoro also operates Cristadoro Wealth Management, an affiliated business related to his LPL activities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives.

Audra Lisoski is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Additionally, she is a New Jersey Notary Public. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and various insurance and trust-related services.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Fady Keriakos is a financial advisor at Merrill with Series 66 and Series 63 credentials and two years of industry experience. His prior work history includes roles at Bank of America, JPMorgan Chase Bank, TD Bank, Amazon.com, and Credit Agricole Egypt. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julian Corralizza is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and having nine years of industry experience. He has worked at Equitable Advisors since 2016, including time under AXA Advisors LLC from 2016 to 2020. Outside of his advisory role, he is involved in health insurance sales through Professional Group Plans and Oxford. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and programs, and offers various investment products along with ERISA fiduciary services for qualified plans.