Nicholas Charette is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and having 20 years of industry experience. He has been with Morgan Stanley since 2016 and is also associated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs for 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 utilizes structured planning processes supported by proprietary tools and analysis.

Michael Campione is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. His background also includes roles at ConMed Corporation and Surgical Motion Technologies. 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 delivers its program on a non-discretionary basis, combining institutional advisory operations with broker-dealer and investment adviser registrations.

Colton Helbig is a financial advisor with UBS Financial Services in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services Inc. 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, offering a broad range of capital markets, custody, and research resources.

Francis Brogan is a financial advisor with Cetera based in Parsippany, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked with firms including Allied Wealth Partners and Securian Financial Services. Outside of advisory activities, he is also involved in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services delivered through a large nationwide network of independent advisors.

Michael Stein is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2010. Outside of his advisory role, he is active as a sports referee for basketball, lacrosse, baseball, and football. 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 methodology and forward-looking capital market assumptions developed by its Investment Strategy Group.

Joseph Plourde is a financial advisor with Equitable Advisors, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors since 2000, including its prior affiliation as Axa Advisors LLC. Outside of his advisory role, he engages in an insurance brokerage business on a limited basis. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a variety of third-party asset management programs and provides ERISA fiduciary services, focusing on matching clients to appropriate investment models without sponsoring its own wrap fee program.

Daisy Pearson is a Series 66-credentialed financial advisor with seven years of industry experience. She currently works at Charles Schwab & Co., Inc. and Charles Schwab Bank, having joined in 2024. Her prior experience includes roles at Bank of America and Merrill from 2019 to 2024 and earlier positions in the retail and fashion sectors. 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. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Kenneth Villano is a financial advisor at Raymond James Financial with 31 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial since 2009. Villano is also the sole member and branch manager of Ridge Wealth Advisors LLC, an independent contractor role. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm emphasizes non-discretionary planning and investment consulting tailored to client goals and supports institutional consulting and portfolio management through a large advisor network.

Michael Pagan is a Series 66-licensed financial advisor with seven years of industry experience. He currently works at Charles Schwab and has prior experience at UBS Financial Services and Automatic Data Processing Inc. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

Theodore Kowalchyn is a financial advisor at Equitable Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Vanderbilt Financial Group, Triad Advisors, and Voya Financial Partners. In addition to his advisory role, he operates as an independent agent for fixed insurance products through Net Worth Management Group. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs. The firm utilizes a variety of advisory models and third-party asset managers, offering investment solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

Azam Chaudry is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Merrill and Bank of America. He also spent two years at Sunbird Software Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Sharif Marzouk is a financial advisor with Equitable Advisors, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors since 2002, including its prior iteration as Axa Advisors. Outside of his advisory role, he owns and operates a property and casualty insurance agency and is involved in buying and selling cars as a hobby through a family-owned business. Equitable Advisors serves a diverse client base that includes individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a range of advisory models and third-party managers, focusing on tailored investment solutions without sponsoring its own wrap fee program.

Marco Fernandes is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to that, he was affiliated with Bergen Private Wealth Management. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Graham Starr is a financial advisor at Stifel with 32 years of industry experience. He has been with Stifel since 2007 and previously worked at Ryan Beck & Co. from 1999 to 2007. He holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns a rental property in Bolton Landing, New York. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support client planning and asset allocation decisions.

Michael Natale III is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2007, previously associated with AXA Advisors LLC. Beyond his advisory role, he is involved in outside insurance activities. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes various third-party advisory models and provides ERISA fiduciary services while not sponsoring its own wrap fee program.

James Hundley is a financial advisor with LPL Financial, holding the PFS™ and Series 63 designations and bringing 32 years of industry experience. His background includes positions at Ic Advisory Services Inc, The Investment Center Inc, and HD Vest Insurance Agency Inc. Hundley is also a CPA and operates a tax preparation and accounting practice. 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 provides advisory and brokerage services through a large network of representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Janine Mccoy is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates advanced modeling tools.

Gwendolyn Garibaldi is a financial advisor with Morgan Stanley Wealth Management in Morristown, NJ. She holds a Series 66 designation and has 17 years of industry experience, including prior roles at UBS Financial Services. She has been with Morgan Stanley since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial and estate planning services. The firm employs structured planning tools and investment modeling to support its advisory process.

Paul Devera is a financial advisor with Cetera, holding a Series 66 designation and 27 years of industry experience. He has been with Cetera since 2006 and also operates Devera And Co., which he founded in 1994. In addition to his advisory work, he owns and operates a CPA business focused on tax preparation, planning, and consulting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad clientele including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Zachary Scott is a CFP® with 11 years of industry experience, currently affiliated with OSAIC since 2022. He previously worked at Securian Capital of the Chesapeake, Minnesota Life Insurance Company, Securian Financial Services Inc, Kestra Financial Services, Inc., and Brotman Financial Group. Scott is also president and financial planner of Castellan Financial Group, LLC, an independent financial planning firm, and serves as an independent insurance agent focusing on disability, fixed annuities, and life insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory, and financial planning services. The firm utilizes a variety of asset-allocation tools and third-party platforms to provide portfolio management that includes stocks, bonds, options, mutual funds, ETFs, and alternative investments.