Steven Sedlak is a Series 66-registered advisor with 27 years of industry experience. He is currently with Merrill, having joined in 2022, and previously worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. There are no additional outside activities noted. 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 model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Rosman is a financial advisor at Morgan Stanley in Purchase, NY, holding Series 66 and Series 63 licenses with three years of industry experience. His work history includes multiple roles within Morgan Stanley since 2018 and experience outside finance with Marist College and local community organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery meetings and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct and corporate financial planning agreements.

Adam Steinbuch is a financial advisor with Morgan Stanley in Purchase, NY. He holds a Series 66 designation and joined Morgan Stanley in 2026. Prior to this, he worked at Rack & GO LLC for several years and has experience in other roles including at Enterprise Holdings and the University at Albany. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies approved by its Global Investment Committee.

Alexander Recchia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2013, he has worked directly with individuals and businesses to help them achieve their financial goals. His client base includes owners of private businesses, corporate executives, physicians, CPAs, attorneys, retired couples, widows, and multiple generations of families across the nation. His areas of expertise encompass education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategies, and retirement income. Alexander emphasizes the importance of strategies beyond savings and investments, including estate planning and family wealth transfer, to help clients efficiently move toward their defined objectives and navigate pivotal life transitions such as retirement or selling a business. Alexander holds a Bachelor's Degree from Salve Regina University and the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Habitat for Humanity, Healing the Children, and Knights of Columbus. Outside of work, he enjoys cooking, fishing, golfing, hiking, photography, and spending time with his family.

Stephen Paino IV is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 designation and has worked at several firms including JPMorgan Chase Bank and The Prudential Insurance Company of America. Prior to his financial services career, he was involved with Pompilios Pizzeria. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios and both non-discretionary and discretionary management options delivered at scale through a highly integrated platform.

Brendon Reese is a financial advisor at UBS Financial Services with 25 years of industry experience. He previously worked at Bank of America and Merrill before joining UBS in 2022. He holds Series 63 and Series 65 licenses. Outside of his advisory work, Reese serves as president and board member of the Cedar Grove Junior Baseball Softball League. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Robert Wilkes is a CFP®-credentialed financial advisor with 13 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and Ryan Financial. In addition to his advisory role, Wilkes is involved with Jay Sarno and Associates as a business and management consultant. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Eddie Reyes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan, he held roles at Morgan Stanley, Price Waterhouse Coopers, and Brown & Brown Insurance. Reyes is also the owner of Reyes Property Management LLC, a property management and leasing business unrelated to his advisory role. 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 an ESG eligibility framework.

Chona Deguzman is a financial advisor with Primerica Advisors in East Rutherford, NJ, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2003. In addition to her advisory role, she is involved in the sale of mortgage products and home security referrals through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies with custody and trade execution supported by leading service providers, managing approximately $15.5 billion in assets through a network of nearly 3,700 advisors.

Suzanne Nicholson is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations with 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary investment models as part of its advisory approach.

Wayne Lettieri is a financial advisor with LPL Enterprise holding the ChFC® and Series 65 credentials and has 42 years of industry experience. He has worked extensively with Prudential Insurance Company of America since 1983, including through its affiliated broker-dealer, Pruco Securities, LLC. Outside of advising, he is involved in the sale and service of automobile, health, dental, and property and casualty insurance. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutions, offering financial planning, advisory, and brokerage services. The firm’s platform integrates adviser programs with active sales of financial products such as insurance and provides access to model portfolios and third-party asset management solutions.

Robert Pisano Jr. is a financial advisor at Morgan Stanley with 19 years at the firm and six years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he serves on the board and the Audit and Risk Committee of Volunteer New York, a nonprofit organization that helps other nonprofits find volunteers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Thomas Leder is a CFA® charterholder with 29 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, N.A., where he has worked since 2020. His prior experience includes roles at Mass Mutual Investors Services and National Life Group. 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 market-facing registrations and functions, delivering recommendations on a non-discretionary basis.

Daniel Garden is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the CFP® designation and Series 66 license, and previously worked at UBS Financial Services from 2013 to 2025. Outside of his advisory role, he is responsible for overseeing tax compliance for an irrevocable life insurance trust. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides planning services focused on tailored financial solutions without individual security recommendations.

Cristina Lozano is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2021. Prior to her current role, she was employed at Moda Operandi and has experience in retail and online sales as a proprietor outside of the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services using structured tools and models, managing approximately $2.74 trillion in client assets.

Dov Katz is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Valley Wealth Managers, Valley National Bank, Bank Leumi, and Leumi Investment Services. Katz has been with Morgan Stanley since 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm employs a structured planning process that incorporates firm-approved tools and market outlook simulations.

Mitchell Eisenberg is a Series 63-credentialed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2005. He has 41 years of industry experience. Outside of his advisory role, he works as a tax preparer and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charities, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management solutions and both proprietary and third-party investment strategies.

Andrew Antinori is the Vice President and Branch Leader at Fidelity Investments, where he leads, coaches, and develops a team of branch associates to assist clients in achieving their evolving life goals. He has been with Fidelity Investments since 2005, progressing through various roles including Financial Representative, Investment Consultant, Financial Consultant, and Vice President Regional Planning Consultant before assuming his current position in 2021. Throughout his tenure, Andrew has gained extensive experience in financial planning and client consulting. His career reflects a steady progression of increasing responsibility within the firm. Outside of his professional role, Andrew is interested in fitness, social events with friends, outdoor adventures, traveling, and volunteering.

William O'Doherty is a financial advisor at Thrivent Investment Management with 23 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive goal-based planning on topics such as retirement, tax, estate, and special needs planning, delivered either as a one-time or ongoing engagement.

Jean Chung is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Jean partners with clients to develop strategies that address their short-, mid-, and long-term financial goals. Jean serves as a resource for general investing, retirement planning, and saving for unexpected needs, as well as facilitating access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jean’s client focus areas include college education planning, corporate executive services, divorce transition planning, executive compensation, and personal retirement planning. Holding the Personal Investment Advisor (PIA) designation, Jean completed an Accredited Certificate Program from DeVry University. Outside of work, Jean is involved with the Rotary Club of Tenafly and participates in community activities such as Feed the Streets, JA BizTown, and Passaic County Habitat for Humanity. Personal interests include basketball, football, golfing, hiking, pickleball, and tennis.