Alan Rizzuto is a CFP® with 36 years of industry experience, currently working at Wells Fargo Clearing since 2016. Prior to that, he spent seven years at Wells Fargo Advisors LLC. He serves as a trustee for a family trust outside of his advisory role. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Paul Dussard is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 credentials and with 19 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007 and also has been involved in Western Logistics, Inc. since 2001. Outside of advisory work, he receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets across nearly 3,700 advisors and delivers advisory services primarily through model-driven strategies created by unaffiliated asset managers.

Andrew Craig is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with UBS Financial Services since 2009. 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, underwriting, and capital markets services.

Steven Summa is a CFP® professional with 28 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2013. He is also an independent insurance agent and owns Delorme and Summa Financial in Montvale, NJ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, trusts, and estates. The firm offers a range of services from financial planning to investment management through a network of independent financial professionals and provides multiple investment platforms and model strategies tailored to client objectives.

Ryan Marshall is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Cetera and has held roles at Ela Financial Group Inc. and Cetera Wealth Services, LLC. Marshall serves as co-chair of a mentorship program at Montclair State University that supports business school students in their career development. Cetera Investment Advisers LLC provides services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

Anthony Spizzo is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His career includes prior roles at Banc of America Investment Services and Quick & Reilly. Outside of his advisory work, he is a writer and part owner of Huddle Pass Inc., a blog focused on Rutgers football, and is a member of the Bergen Highlands Rotary Club. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that offers retirement income planning and tax-aware withdrawal strategies through a collaborative, non-discretionary process.

Jason Capolarello is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and 16 years of industry experience. He has worked at both Bank of America and Merrill since 2013. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Rosen is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Rosen serves on the board of the Syracuse Football Letterman Club, where he is involved in event and tailgate party planning. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Hristos Gallios is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2015, including prior experience with AXA Advisors, LLC. Equitable Advisors serves a diverse range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes both in-house and third-party advisory models and offers a variety of investment solutions including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Melanie Zartaloudis is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and with two years of industry experience. Prior to joining Morgan Stanley in 2023, she was with JPMorgan Chase Bank from 2021 to 2023. Outside of financial services, she has been employed at Walgreens Pharmacy since 2019. 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 emphasizes a structured planning process that incorporates firm-approved tools and modeling techniques.

Joseph Grant is a Senior Financial Advisor associated with Merrill Lynch Wealth Management, based in northern New Jersey. He specializes in assisting families and small businesses in achieving their financial objectives by developing personalized wealth management strategies tailored to their needs. With over twenty years of corporate experience primarily in New York City and New Jersey, Joseph focuses his practice on areas including personal retirement planning, individual and corporate investment strategy, retirement income planning, college education planning, portfolio management services, small business strategies, and services for endowments, foundations, and non-profits. He holds the Personal Investment Advisor (PIA) designation. Joseph earned a bachelor's degree in Economics from Hampden-Sydney College and an MBA from The College of William and Mary. Outside of his professional commitments, he is involved in community activities such as Habitat for Humanity and the Presbytery of the Palisades Committee on Ministry. He also participates in groups including Somerville Hawes Dad's Night and West Side Presbyterian Church. His personal interests include cooking, golfing, music, running, soccer, and spending time with his family.

Felix Sanchez is a financial advisor with Primerica Advisors, holding a Series 63 designation and with 16 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and with Primerica Financial Services since 1997. Outside of his advisory role, he works as an Uber driver. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Sean Oakes is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Raymond James in 2025, he spent 11 years at TIAA-CREF. 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, institutions, pension and profit-sharing plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Thomas Singleton is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 15 years of industry experience. Prior to joining OSAIC in 2025, he spent 10 years at Lincoln Financial Advisors Corporation. He is also involved in insurance-related activities, offering disability, health, life, accident, and property and casualty insurance. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management across multiple investment types.

David Siebel is a financial advisor with Osaic, holding a Series 66 credential and 14 years of industry experience. He has worked at SagePoint Financial and Capacity Benefits & Financial Services Group LLC, and currently serves as Managing Principal at EPIC Insurance Brokers & Consultants, where he manages employer group-sponsored employee benefit plans. He also owns Siebel Consulting, Inc., focusing on group employee benefits for small clients. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers a range of brokerage, investment advisory, and financial planning services, utilizing various asset-allocation tools and third-party solutions to construct and manage portfolios.

Stacey Schaumberger is a Series 66 licensed financial advisor with Morgan Stanley, based in Paramus, NJ, and has 35 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

John Sung is a Financial Advisor at Merrill Lynch Wealth Management. He works with C-suite and entertainment executives, physicians, engineers, and entrepreneurs to develop strategies that pursue their short-, mid-, and long-term financial goals. John provides guidance in areas such as general investing, retirement planning, saving for unexpected events, college education planning, corporate executive services, executive compensation, family wealth management strategies, services for defined benefit plans, legacy planning, managing new wealth, sports and entertainment, and tax minimization. He also connects clients with Bank of America specialists for banking, credit, home financing, and small business solutions. John has over two decades of experience helping professionals, families, and business owners navigate their financial futures. He combines technology with human connection to deliver tailored strategies and build lasting relationships. He is a graduate of Rutgers University with a degree in Finance and completed a Bootcamp Certificate in FinTech from Columbia University. John holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, John is celebrating 20 years of marriage and is a father to his son and pet dog. He is active in his community, coaches youth sports, and supports his son's athletic pursuits. John is a fan of the Yankees, Knicks, and Giants and enjoys baseball, basketball, music, photography, pickleball, traveling, and woodworking in his spare time.

Matthew Conway is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds the CFA® designation and Series 66 license. His prior roles include positions at Oppenheimer & Co. Inc., Ultimus Fund Distributors, LLC, Lyrical Partners, LP, and New York Life-affiliated firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed accounts under a consolidated billing option called WealthPlan.

Michael Erskine is a financial advisor with Merrill, holding a Series 66 credential and 14 years of industry experience. His prior work includes positions at Bank of America, Wells Fargo Clearing, and Wells Fargo Advisors. He serves as a trustee and executor for family trusts and estates. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Susan Silberman is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and having 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves as a co-successor in estate administration activities. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models and offers a wide range of retail and institutional investment solutions.