Michael Jones is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 designations and has 33 years of industry experience, including 27 years at Signator Investors, Inc. and 8 years at Royal Alliance Associates, Inc. In addition to his advisory work, he operates as a sole proprietor insurance broker focused on health insurance and disability income sales. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, institutions, and corporations through a network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes.

Stella Dunn is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials with 26 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to 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 uses structured planning tools and modeling techniques as part of its financial planning process.

David Jozefek is a financial advisor with LPL Financial in Chester, NJ, holding Series 63 and Series 65 designations and 25 years of industry experience. His career includes roles at UBS Financial Services and Morgan Stanley DW Inc., as well as long-term service at The Investment Center Inc. and IC Advisory Services, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and technology tools to support client account management.

John Kelly is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Franco Piarulli is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Howard Horowitz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His work history includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and First Republic Investment Management before joining J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he is involved as a director and part-time operator of laundromat businesses in Morristown, NJ. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to its recommendations.

Patrick Maguire is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and nine years of industry experience. He previously spent 20 years at M Holdings Securities, Inc. He serves on the advisory board of AtiDot Software Ltd and is involved in multiple business ventures, including managing partner roles at Eagle Rock Wealth Management and Greenberg and Rapp Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm offers tailored non-discretionary planning using analytical tools and supports municipal and public finance through unique affiliations.

David Samuel is a financial advisor with Primerica Advisors in Denville, NJ, holding Series 63, 65, and 66 licenses and having nine years of industry experience. Prior to joining Primerica Advisors in 2017, he worked at Solix Inc and Wells Fargo Clearing. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors and select corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven investment strategies supported by third-party asset managers and custodians.

Omer Sander is a financial advisor at Stifel with eight years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at JPMorgan Securities LLC for seven years. Outside of his advisory role, he is a general partner and equal owner of a commercial real estate LLC. 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 capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Olivia Jung is a CFP® with eight years of industry experience, currently advising at Equitable Advisors. Her prior experience includes roles at Fidelity Personal and Workplace Advisors, WisdomTree Asset Management, and Foreside Fund Services. Outside of her advisory work, she serves as a board member and Finance & Sponsorship Chair for ACE NextGen, an Asian/Pacific Islander American Chamber of Commerce and Entrepreneurship non-profit, and coaches figure skating in West Orange, NJ. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client risk tolerance and matching them to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Katherine Knutsen is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for Goldman Capital Management, Inc. for 20 years before joining UBS in 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Peter Scocca III is a Certified Financial Planner (CFP®) with 19 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2022. Prior to this, he held positions at Fidelity Personal and Workplace Advisors and Fidelity Investments. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Robert Ferrari is a financial advisor at OSAIC with 34 years of industry experience. He has been with OSAIC since 2018 and previously worked for Signator Investors, Inc. for 26 years. Outside of his advisory role, he serves as a director of Above and Beyond with Michael, a foundation that supports philanthropic initiatives including scholarships and recent efforts to provide PPE to medical offices in New Jersey. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, through a large network of affiliated financial advisers and multiple advisory platforms. The firm utilizes tools like asset-allocation models, risk-tolerance questionnaires, and automated rebalancing, offering integrated brokerage and investment advisory services with access to third-party money managers and wrap programs.

Keith Smith is a CFP® with 37 years of industry experience, currently serving at LPL Financial since 2019. His previous roles include seven years at Ameriprise Financial Services and ten years at PRUCO Securities. Outside of his advisory work, Smith is involved in real estate rental related to his office location in Flanders, NJ. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Frank Armero is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked previously at Weichert Financial Services and American Financial Resources. In addition to advising, he serves as a Client Services Manager at SFS Management LLC, providing administrative support to advisors. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including model portfolios, third-party managers, and customized strategies, supporting both discretionary and non-discretionary accounts.

Michael Ball is a financial advisor at Stifel with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Stifel since 2011, following six years at Merrill. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Marc Delgaudio is a financial advisor with Cetera who holds a Series 63 designation and has 33 years of industry experience. His prior work includes positions at Allied Wealth Partners, Securian Financial Services, Minnesota Life Insurance Company, Langdon Ford Financial, and WS Griffith Securities. Outside of advising, he holds ownership or officer roles in several fixed insurance sales businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party money managers across various program types and custodial relationships.

Kenneth Mayer is a financial advisor with Morgan Stanley in New York, NY, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member of Mayer Brothers Capital Management, LLC and is a partner in Mayer Family Associates, LP. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety 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 planning services.

Christopher Connolly is a financial advisor at Morgan Stanley in Morristown, NJ, with five years of industry experience. He previously worked at BNY Mellon from 2016 to 2021 before joining Morgan Stanley in 2021. Connolly holds the Series 66 designation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and firm-approved tools, with a broad range of retail and institutional services.

Joseph Colaiacovo is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with additional brokerage and investment management capabilities.