Matthew Decrosta is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment strategies and institutional resources in its offerings.

Pedro Zapata III is a financial advisor with J.P. Morgan Securities in New York, NY, holding Series 63 and Series 66 designations and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2011. 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. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Ying Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management in Paramus, New Jersey. She has over 30 years of experience in accounting, financial analysis, corporate budgets, and financial services. She joined Merrill in 2007 and focuses on providing personalized wealth management strategies to high-net-worth individuals, families, small business owners, non-profit organizations, and international corporations. Ying specializes in corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Ying holds a Master's degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor's degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is fluent in English and Chinese and emphasizes a process-oriented, personalized approach to building long-term trust relationships with her clients. Residing in Paramus, New Jersey, Ying resides with her husband and son. Outside of her professional duties, she enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. Ying's philosophy is to collaborate one-on-one with clients to develop personalized financial strategies designed to pursue their long-term goals.

Scott Holzer is a financial advisor with J.P. Morgan Securities in New York, NY, holding Series 63 and Series 65 credentials and has 27 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2010. 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 in its recommendations.

Christian Graff is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 10 years of industry experience. He has been with UBS Financial Services since 2016 across various roles. Graff has a dormant affiliation with the Family YMCA in McKinney, Texas. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Derek Levy is a financial advisor at Morgan Stanley with 24 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. He serves on the board and finance committee of The Jewish Home Family Foundation, a health and welfare nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Ruba Zorob is a Planning Consultant at Fidelity Investments. In this role, she focuses on building trust and understanding client needs to help develop personalized financial plans. She collaborates closely with advisors to support clients in working towards their financial goals. Prior to her current position, Ruba worked as an Investment Counselor at Fisher Investments from 2021 to 2022. She also has experience as an Investment Analyst at Merrill Lynch, where she worked from 2017 to 2021.

David Prushan is a financial advisor at Cetera with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated firms since 2005. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Sean Grimsland is a financial advisor with Equitable Advisors in Secaucus, NJ, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at Equitable Advisors since 2019 and previously held various roles at Hofstra University, including positions in the Accounting Department and the Zarb School of Business Dean’s Office. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services with tailored client intake processes and multiple program structures.

Alexandru Cojocaru is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026, he worked at Edward Jones from 2022 to 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Seth Hillman is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 20 years of experience serving clients in various aspects of wealth management, including college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Seth holds the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp and the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree from the University at Buffalo. He resides in Glen Rock, New Jersey, with his wife Rayna and their two children.

Kevin Kautzmann is a CFP® professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and previously worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he is involved in independent insurance sales through his ownership and representation in related entities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and diversified portfolios using stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Nicole Mazzei is a financial advisor at Fidelity with Series 63 and Series 66 credentials and seven years of industry experience. Her prior roles include positions at Bank of America, Merrill, Morgan Stanley, JPMorgan, and Wells Fargo. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Martin Mc Ginley is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Summit Financial, Purshe Kaplan Sterling Investments, and Massachusetts Mutual Life Insurance Co. since 2014. J.P. Morgan Securities LLC 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 in its recommendations.

John Dikun is a CFP® with 26 years of industry experience, currently affiliated with LPL Financial. He has been associated with LPL Financial and its predecessor entities since 2000 and has been operating his own CPA firm since 1989. In addition to his advisory work, he maintains an active CPA practice providing tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diversified investment strategies.

Nicholas Gariano is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked at Disney and ESPN. He also operates Gariano Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, overseeing more than $256 billion in assets through a network of over 10,000 advisors.

Eliot Meshulam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMORGAN Chase Bank, N.A. since 2010. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Sofia Brewington Williams is a financial advisor at Fidelity with three years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios including mutual funds, ETFs, and ETPs.

Thomas Tansey is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 63, Series 66, and Series 65 securities registrations. His career includes prior roles at MBSC Securities Corporation / BNY Mellon and earlier tenure at Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jacob Heitzner is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Crestron Electronics and attended the University of Delaware. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.