Jill Williams is a CFP® and ChFC® credentialed financial advisor with 23 years of industry experience. She has been with Ameriprise since 2018, following prior roles at Mass Mutual Investors Services and Metropolitan Life Insurance Company. Williams serves on a pro bono committee, contributing her time outside of her advisory duties. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering personalized, research-driven recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Eugene Borg Jr. is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His prior roles include positions at Securities America Advisors and Janney Montgomery Scott. Outside of his advisory work, he serves in multiple leadership roles with the Pottersville Volunteer Fire Company and the New Jersey State Firemans Association. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a range of programs, with an investment process focused on model-based asset allocation, portfolio optimization, and multiple discretionary and advisory management options.

Michael White is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring investment strategies to clients' risk profiles while utilizing both in-house and third-party investment managers.

Sharon Schoenherr is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at BNY Mellon from 2007 to 2018 before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Christal Generoso is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and 12 years of industry experience. She previously worked at Stifel Nicolaus for seven years and served at New Jersey City University for nine years. Since 2020, she has been with Ameriprise in Colonia, NJ. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports through a centralized consulting team, supporting clients primarily within Ameriprise-managed accounts.

Melvin Taylor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Outside of his advisory role, Taylor is an author of several science fiction books and is involved in promoting his publications through his own publishing company. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu covering various specialized areas and integrates advisory services with multiple financial product offerings and referral channels.

Owen Zukovich is a financial advisor at Morgan Stanley in Morristown, NJ, with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has worked for Morgan Stanley since 2014, with a brief period at UBS Financial Services and earlier roles at GMS Group and Right Blend Investing. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing 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 market simulations to support its advisory services.

Harry Neufeld is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding Series 63 and Series 65 designations and 35 years of industry experience. His prior work includes roles at Wells Fargo Advisors LLC, RBC Capital Markets Corporation, and J. B. Hanauer & Co. He also serves as a power of attorney for his parents in investment-related matters. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Giselle Cantada is a financial advisor at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jung M Kim is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JP Morgan Chase Bank and J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Chang Lee is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Ic Advisory Services Inc., MassMutual Life Insurance, and Raymond James Financial Services. Lee also operates a tax preparation and accounting service alongside his advisory role. 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 offers a range of advisory and brokerage services including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Viviana Santiago is a financial advisor at Wells Fargo Advisors with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley Private Bank. She also owns St James Wealth Management, a financial practice based in West Caldwell, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, and business-owner transition planning, using proprietary research and tools to develop tailored recommendations.

Carlos Del Rio Madero is a Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2025 after working for two years at Prudential Advisors, where he obtained his financial licenses and gained industry experience. Prior to his career in financial advising, Carlos worked for one of eBay's top consignors, assisting clients with million-dollar portfolios during significant liquidation events. Carlos's expertise includes divorce transition planning, employee financial health, legacy planning, liquidity management, managing new wealth, and personal retirement planning. He holds the Personal Investment Advisor (PIA) designation and is fluent in English, Spanish, and Hindi. Carlos earned his high school diploma from Passaic Valley Regional High School. In addition to his professional work, Carlos is involved in the Hispanic/Latino Organization for Leadership and Advancement and the Parents and Caregivers Network. His personal interests include dancing, football, music, reading, and tennis.

Matthew Barkauskas is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2022. Prior to joining J.P. Morgan, he held roles at SidelineSwap, LLC and Proficio Capital Partners. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates ESG criteria within a framework supported by affiliated portfolio services.

Irina Lovelace is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Her prior work includes roles at Webster Bank, Israel Discount Bank, and TIAA. Outside of her advisory work, she manages a residential rental property. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Vito Manno is a Planning Consultant at Fidelity, a role he has held since 2024. He has been a financial professional for over two decades, accumulating extensive experience across various roles in the financial services industry. Prior to his current position, he served as a Financial Consultant at Fidelity Investments from 2020 to 2024. His earlier positions include Retirement Education Specialist at Principal Financial Group from 2014 to 2020, Financial Advisor at Cambridge Investment Research, Inc. in 2014, Financial Advisor at NFP Advisor Services from 2006 to 2014, and Financial Consultant at AXA Advisors from 2003 to 2006. Vito holds a degree in Finance and maintains a California Insurance License. Throughout his career, he has focused on building trusting relationships with clients by listening carefully to their needs, concerns, and goals. He aims to be a financial confidant who partners closely with clients and their families. Vito and his team are committed to earning trust and fostering collaboration with those they advise.

John Nasisi is a financial advisor with Ameriprise in Hackettstown, NJ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides a retirement-income planning service designed for individuals near or in retirement with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines algorithmic and research-driven approaches to offer advisory, brokerage, and insurance solutions through its extensive institutional platform.

Kevin Conwell is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 65 designations. His career includes roles at Citizens Securities, LLC, and various positions within JPMorgan entities since 2017. Outside of his advisory work, he is a part-owner of Novele Inc., a company involved in designing and manufacturing energy storage devices. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Mark Ruggiero is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved in baseball and softball training and instruction as a partner. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Michael Stieglitz is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 23 years of industry experience. He has previously worked at 1st Global Advisors, Inc., 1st Global Insurance Services, and 1st Global Capital Corp. 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 offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a combination of discretionary and non-discretionary strategies supported by advisor-facing technological tools.