Kelly Walsh is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2019, with prior experience at UBS Financial Services Inc. from 2014 to 2017. 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.

Traci Tabback is a financial advisor with UBS Financial Services in Paramus, New Jersey, holding a Series 66 designation and 21 years of industry experience. She has been with UBS since 2014. Outside of her advisory role, she serves as treasurer and officer for Alpine Home and School Administration, supporting fundraising for enrichment and extracurricular activities at Alpine Elementary School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and asset allocations.

Rudenca Blloshmi serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, she helps clients develop personalized wealth management strategies tailored to their individual financial goals. She provides access to Merrill’s investment insights alongside the banking and lending solutions offered by Bank of America. Rudenca focuses on client areas including family wealth management, personal retirement planning, philanthropic planning, tax minimization, retirement income, special needs planning, managing new wealth, and women and wealth. Rudenca holds multiple professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She attended Pace University without earning a degree and conducts business in both English and Albanian. Rudenca is involved with the Global Albanians Foundation and enjoys baseball, biking, golfing, music, and photography in her personal time.

Michael Pirozzi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and both individual and corporate investment strategy. Michael focuses on developing personalized financial plans tailored to each client’s goals and risk tolerance, aiming to help clients pursue their long-term objectives through customized wealth management approaches. Michael holds a Bachelor’s Degree from James Madison University. He is also a Personal Investment Advisor (PIA) and communicates fluently in both English and Spanish. Originally from New Jersey, he currently resides in Madison, NJ, where he has been an active community member for nearly fourteen years. Michael also dedicates time to volunteering with local organizations, reflecting his commitment to community involvement. Outside of his professional work, Michael enjoys a variety of personal interests including baseball, chess, cooking, football, golfing, ice hockey, skiing, spending time with his family, and tennis.

Ralph Franzese is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. His prior work includes roles at Merrill, Citigroup Global Markets, and Legg Mason Wood Walker. He is also involved with Vantage Wealth Management LLC in a bookkeeping capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with technology and a broad range of financial services.

Nishant Sharma is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he collaborates with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. He offers guidance on various aspects of financial planning, including investing, retirement planning, and savings for unexpected events. Additionally, he facilitates access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Nishant holds a Bachelor's Degree and a Master of Business Administration (MBA) from Guru Nanak Dev University. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). His approach centers on identifying what matters most to clients and their families to craft strategies that align with their financial objectives.

George Grube is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. Prior to joining RBC in 2021, he worked in various non-financial roles including positions at A La Cart and Buffalo Wild Wings. Outside of his advisory duties, he is employed with Hudmed LLC, assisting in hospital sanitation, and contributes part-time to Grape Expectations, Inc., a private wine-related business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing a combination of in-house and third-party investment managers to meet clients’ investment objectives.

Matthew Armendinger is a Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in creating personalized financial strategies to help individuals and families achieve their financial objectives. His areas of expertise include employee benefits planning, family wealth management, legacy planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Matthew earned his bachelor's degree from Fairleigh Dickinson University, where he was a collegiate athlete and remains actively involved through participation in the FDU Young Alumni Association. His community involvement extends to volunteering as a guest speaker for ALPFA NJ and contributing to the Lupus Foundation of America. Outside of his professional work, Matthew enjoys baseball, basketball, football, golf, reading, running, yoga, and spending time with his family.

David Posner is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 63 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Outside of his advisory role, he serves as an estate executor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and firm-approved tools, serving clients through both individual and corporate financial planning agreements.

Gregory Huether is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2018, following six years at J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary return estimates in its process.

Ryan Carr is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, Credit Suisse, Citigroup, UBS, Bank of America Advisors, and Morgan Stanley. Outside of his advisory work, he serves as an officer for the Morristown Girls Soccer Boosters, where he helps organize team events and supervise practice sessions. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Frank Heter III is a Series 66 licensed financial advisor at Merrill with six years of industry experience. Prior to joining Merrill, he held roles at Barnes & Noble and the Euro Futbol Academy. Outside of his advisory work, he is involved with Vocal, a website that offers cash prizes for writing competitions and compensates users based on story readership. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutions.

Robert Blocker is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining Cetera, he worked at Avantax in various capacities for more than two decades. He also operates a CPA practice focused on tax preparation and accounting. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform with access to various investment strategies and program structures.

Sean Conley is a financial advisor at Morgan Stanley in Morristown, NJ, with three years of industry experience. He holds a Series 66 designation and has previously worked at Deloitte and Morgan Stanley Private Bank. 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 supported by structured discovery and firm-approved planning tools.

Jorge Idrovo Fernandez is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and portfolio management services, working with individuals, families, and business owners. With 18 years of experience in banking and financial services, Jorge focuses on helping clients understand and navigate complex financial decisions. He emphasizes listening to clients' priorities and aims to develop strategies tailored to their lives, serving as a trusted partner in managing both current financial matters and long-term goals. Jorge holds a Master of Science in Accounting and a Bachelor of Science in Accounting, both from Kean University. Outside of his professional work, he has interests in baseball, boxing, dancing, football, soccer, and watching movies.

Henry Liao is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and over 20 years of industry experience. He has worked at Ameriprise since 2005 and serves on the boards of Forefront and Foster the Family, in addition to founding The Jubilee Experiment. Liao also owns Henry C Liao LLC, a business unrelated to investment activities. Ameriprise provides a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver customized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Jeffrey Dickinson is a CFP® with 26 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities from 2009 to 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is president and senior partner of Force Financial Associates, LLC, where he provides financial education and workshops to institutional clients. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships with clients.

Jonathan Sot is a financial professional at Cetera with one year of industry experience and holds a Series 66 designation. His prior roles include positions at the University of Notre Dame and RMR Group, as well as work in insurance sales. He is also involved in financial services through Allied Wealth Partners alongside his advisory duties. Cetera Investment Advisers LLC serves individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and various program platforms. The firm operates a multi-manager platform with access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Samuel Rosenbaum is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He is currently an advisor at Raymond James Financial and previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley Smith Barney, and Stifel Nicolaus. Outside of his advisory roles, he has professional experience spanning educational institutions including George Washington University and Tulane University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and sponsors wrap-fee advisory programs alongside institutional consulting and portfolio management.

Mavi Thorpe is a financial advisor at Morgan Stanley with nine years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2018, Thorpe worked at Merrill for two years. Thorpe also manages a rental property outside of work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety 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 services both directly and through corporate financial planning agreements.