John Guarnieri is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, leveraging his expertise to assist with investment strategies and wealth management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to personalized investment guidance. Mr. Guarnieri earned a Bachelor's Degree from Iona College.

Scott Bancroft is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2013 and previously spent seven years with Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with tools such as machine-learning for operational and research purposes.

Leonard Sander is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 40 years of industry experience. He previously worked at National Planning Corporation for 19 years before joining LPL Financial in 2017. He is also involved in tax preparation and accounting services through The Creative Planners Group, Ltd. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Cesarina Burgos is a financial advisor with J.P. Morgan Securities in Scarsdale, NY, holding Series 63 and Series 66 designations and seven years of industry experience. Her career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as Wells Fargo Bank and Wells Fargo Clearing. 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, distribution, and investment management capabilities.

Andrew Rose is a CFP®-credentialed financial advisor with Morgan Stanley, based in Purchase, NY, and has 31 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009, holding roles within both entities. Outside of his advisory duties, he is involved in a trust-related business activity in Ridgefield, CT. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

David Balkcom is a CFA® charterholder with four years of industry experience, currently serving at Mass Mutual Investors Services in Elmsford, NY. He previously worked with Equity Services, Inc. and National Life Group within the WealthBridge Financial Group, as well as New York Life Insurance Company. Prior to his financial services career, he was involved in dental practice administration. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and collaborative planning methods, offering various specialized planning programs including recent expansions in divorce and estate-settlement services.

Sheila Littleton is a Series 63–registered financial advisor with Cetera, based in Valhalla, NY, and has 23 years of industry experience. She has been with Cetera since 2005 and is the owner of Littleton Financial, where she focuses on retirement, education, and insurance planning. She also sells health and disability insurance through various carriers. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party investment managers.

Theresa Ferri is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and 33 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 serving individual and institutional clients with a broad range of advisory programs. The firm’s financial planning process involves structured discovery and proprietary tools, offering tailored plans without individual security recommendations as part of standalone services.

Gabriel Carvalho is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Outside of his advisory role, he works as an independent contractor for Cadena Consulting LLC, providing business consulting services unrelated to his work at J.P. Morgan. J.P. Morgan Securities LLC offers institutional consulting services to corporations, foundations, and defined contribution plan sponsors, providing asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with brokerage, distribution, and investment management capabilities.

Angel Herrera is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Compass and was involved with the Young Mens & Young Womens Hebrew Association. He has a background that includes roles in community organizations and education. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

David Ramirez is a Wealth Management Advisor with Merrill Lynch Wealth Management and a Senior Vice President with Ramirez Wealth Management. He has been advising clients since 1988 and brings over 35 years of experience in the financial services industry. Throughout his career, David has focused on developing wealth management strategies for High Net Worth and Ultra-High Net Worth clients, emphasizing personal fixed income and asset management. David's approach centers on listening to clients' needs and objectives to develop tailored investment plans that address specific asset and liability requirements alongside long-term goals. He integrates initial and ongoing reviews to adapt strategies as necessary. His expertise covers a range of client focus areas, including college education planning, family wealth management, legacy planning, philanthropic planning, tax minimization, and retirement income. He holds a Bachelor of Finance degree from Boston College and a high school diploma from Don Bosco Prep. David has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Additionally, he has been an active member of the Municipal Bond Club of New York since 1994. Outside of his professional endeavors, David enjoys boating, traveling, and spending time with his family.

Theodore Gelb is a financial advisor at Morgan Stanley with three years of industry experience. He previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank from 2022 to 2024 and attended Syracuse University from 2018 to 2022. He holds the Series 66 and Series 63 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Matthew Hesse is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Madison Planning Group, Bourbon Street, Northwestern Mutual, and Body Armor. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Karen Rosner is a CFP®-certified financial advisor with 19 years of industry experience, currently practicing at Morgan Stanley. Her prior work history includes positions at Bank of America and Merrill. She is registered with Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients by offering a broad range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Dylan Wynne is a Series 66 licensed financial advisor with two years of industry experience. He is currently with UBS Financial Services and has prior experience at LPL Enterprise, The Prudential Insurance Company of America, and Pruco Securities LLC. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Ryan Machovec is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Bank of America and positions with the Town of Hempstead and SUNY College at Cortland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Daniel Prisciotta Jr. is a CFP® with 42 years of industry experience, currently affiliated with OSAIC since 2025. Prior to this, he worked for Lincoln Financial Advisors Corporation for 27 years. In addition to his advisory work, he is the owner of Prisco Publishing LLC, where he is an author and speaker. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs.

Scott Staropoli is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2009, also maintaining a role with Bank of America, N.A. since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Morrison IV is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2009, including Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

Meredith Fierro is a financial advisor at Morgan Stanley with one year of industry experience. She holds the Series 66 and Series 63 credentials and has worked at Morgan Stanley since 2023. Outside of finance, she has been involved with Blu Ale House since 2022. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and investment analysis.