Danielle Mrozek is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Wealth Management Teams to develop financial plans that align with their goals. She joined Fidelity Investments in 2023 and has held various positions including Financial Representative and Relationship Manager before assuming her current role in 2026. Her experience at Fidelity Investments has provided her with a comprehensive understanding of financial planning and client relationship management. Danielle holds a California Insurance License.

Thomas Nisivoccia is a financial advisor with Cetera Investment Advisers LLC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include over a decade with CETERA Advisor Networks LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 featuring model portfolios, third-party managers, and customized strategies.

Daniel Wilson is a CFP® professional with 29 years of industry experience, currently affiliated with OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Guardian Life. Outside of advising, he is a partner in several private investment ventures including a restaurant, specialty pharmacy, and rental real estate projects, and he is a passive member of the Entrepreneurs Organization. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party investment solutions.

John Crlencic is a Series 66 licensed financial advisor with Wells Fargo Clearing, where he has worked since 2016. He has nine years of industry experience. Outside of his advisory role, he is involved in managing a rental property with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, combining research-driven investment strategies with access to a broad range of financial products.

Colleen D'Antonio is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. 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 and financial planning services that utilize structured planning tools and scenario modeling.

Brian Kelly Jr. is a financial advisor at Morgan Stanley with over 31 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 1994. Outside of his advisor role, he manages family investment assets and estate planning through private LLCs. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through direct client engagements as well as corporate financial planning agreements.

Ramon Ortel is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market return models.

Christine Zamarra is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a councilperson for Bernardsville Borough in New Jersey. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools to assist clients in developing and implementing financial plans.

Mark Dubel is a financial advisor with LPL Financial in Basking Ridge, NJ, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He previously worked at INVEST Financial Corp and has a long tenure at Affinity Federal Credit Union. LPL Financial is a national SEC-registered adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a wide network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and consulting services, utilizing model portfolios and research from multiple sources.

Kevin Lawlor is a financial advisor at Morgan Stanley with 33 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Warren King is a financial advisor at LPL Enterprise with two years of industry experience. He holds a Series 66 designation and has worked previously at The Prudential Insurance Company of America, Pruco Securities LLC, and Capital Craft. His background also includes roles outside the financial industry, such as at Skidmore College and West Essex Regional High School. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, and third-party asset management solutions, supported by an integrated platform that combines advisory programs with brokerage and insurance product sales.

Craig Weinstein is a CFP® with 27 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at TIAA and Jpmorgan Chase Bank, N.A. He has also been affiliated with Fairleigh Dickinson University. 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 brokerage, distribution, and investment management capabilities.

Christopher Ferrone is a financial advisor with LPL Financial in Branchburg, NJ, holding Series 65 and Series 63 licenses and 11 years of industry experience. His prior roles include positions at MMLIS Investors Services, MASSMUTUAL, and Ameriprise Financial Services, Inc. Outside of his advisory duties, he is involved with Going Gold Choreography, LLC, a non-investment business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services supported by model portfolios, third-party research, and technology-driven tools.

Rob Budziszewski is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2022. He leads a team of financial professionals focused on aligning with clients' evolving needs, collaborating to provide clarity and assist in developing personalized, goal-based financial plans. His approach aims to inspire clients to achieve peace of mind and fulfillment through their financial goals and dreams. Rob has held several positions within Fidelity Investments, including Assistant Branch Leader and Planning Consultant in 2021 and 2022. Prior to joining Fidelity, he worked at Hennion & Walsh, Inc. from 2008 to 2021, serving as Associate Vice President and Investment Associate Supervisor. Outside of his professional responsibilities, Rob enjoys family activities, golf, music, pets, skiing, and traveling.

Marc Hall is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds Series 63 and Series 66 licenses and previously was a partner at Integrity Botanicals, a retail and online botanical products business. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm that provides comprehensive financial planning and investment services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes tailored financial planning supported by structured tools and analysis from its Global Investment Committee.

Michelle Hyde is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with Equitable Advisors since 2015 and also serves as a CPA at Cicchini & Associates, where she has worked since 2006. 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 employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Lauren Difabritis is a financial advisor at Cetera with 17 years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services, INC., and currently operates Robert DiFabritis & Co. in addition to her role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a variety of program structures and custodial relationships.

Robert Neill is a financial advisor with Morgan Stanley in Morristown, NJ, holding the Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2017. Outside of his advisory role, he serves as a board member for the Borough of Point Pleasant Beach Board of Adjustment. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Linda Gelson is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 42 years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at UBS Financial Services for 11 years. Her other business activities include involvement with multiple trusts and an estate in New Jersey and Nevada. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, with a focus on tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist clients in developing financial plans.

Gregory Calotta is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Cetera and its affiliates since 2005 and previously co-managed Bruno, Calotta & Associates LLP. In addition to his advisory role, he owns Calotta Advisory Services LLC, which provides accounting, tax, and consulting services to small businesses and individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and program structures supported by a large network of over 10,000 advisors.