John Ciavarelli is an Investment Consultant at Fidelity Investments, a position he has held since 2025. He has experience working with a diverse client base, including individuals who prefer a self-directed approach to financial planning. John focuses on helping clients gain clarity and confidence in their financial decisions by taking a personalized approach that involves listening closely to the client's goals and collaborating to develop tailored strategies. Prior to his current role, John worked as a Financial Advisor at Vanguard from 2021 to 2025, and as a Retirement Specialist at Vanguard from 2019 to 2021. His earlier experience includes roles at J.P. Morgan Private Bank as a Wealth Management Analyst from 2015 to 2018 and as a Client Service Associate from 2013 to 2015. Outside of his professional work, John has interests in concerts, fitness, food, football, museums, and traveling.

Angel Sanchez is a Financial Advisor at Merrill Lynch Wealth Management, where he helps individuals, families, and business owners build, manage, and protect their wealth. He adopts a personalized approach by understanding what matters most to each client and aligning financial strategies to their short-, mid-, and long-term goals. His services include investment guidance, retirement planning, and preparation for unexpected life events. He also works with business owners to design and optimize retirement plans, improve fiduciary governance, and create tax-efficient strategies. Angel holds the Certified Plan Fiduciary Advisor (CPFA) designation, along with Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. He has attended Montclair State University and earned a High School Diploma from Passaic High School. Fluent in English and Spanish, he has over 20 years of experience working with clients and connecting them to a comprehensive range of financial resources through Merrill and Bank of America. Born in the Dominican Republic and raised in Northern New Jersey, Angel lives there with his wife and three sons. Outside of his professional work, he enjoys sports, traveling, and spending time with his family.

Michael Giandolfo is a financial professional with Cetera, holding a Series 66 designation and over 33 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005 and also serves as president of his own accounting and tax services firm, Michael J. Giandolfo CPA PC. Outside of his advisory role, he manages this separate CPA practice. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to a broad range of portfolio management options and third-party managers.

John Keane is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held positions at Morgan Stanley Smith Barney LLC since 2018 and previously worked at UBS Financial Services and UBS Bank USA from 2001 to 2018. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a comprehensive approach without making individual security recommendations as part of its standalone planning service.

Jennifer Anton serves as a Branch Leader, where she focuses on fostering a culture of excellence, collaboration, and client-centric growth. In this role, she empowers her team to deliver financial planning services. Prior to her current position, Jennifer worked as a Planning Consultant at Fidelity Investments from 2021 to 2025 and as an Investment Consultant there from 2020 to 2021. Before joining Fidelity Investments, she was a Regional Private Banker in the Premier division at Wells Fargo from 2010 to 2020. Outside of her professional career, Jennifer has interests in beach activities, cooking and baking, fitness, horseback riding, parenthood, and traveling.

Valene Samuels is a Series 66-credentialed financial advisor with five years of industry experience. She is currently with J.P. Morgan Securities and has previously worked at Citigroup Global Markets and Bank of America. 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. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations, incorporating ESG eligibility frameworks when appropriate.

Michael Nigris Jr. is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at LPL Financial, LLC and Royal Alliance Associates, Inc. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, portfolio management, and retirement plan consulting. The firm features a model-based investment process and supports various strategies through a complex affiliate network and multiple custodial arrangements.

Allen Stewart is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Wells Fargo and educational positions at Tulane University, Episcopal High School, and McKinley Middle Academic Magnet School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured discovery conversations and approved planning tools, managing approximately $2.74 trillion in client assets.

Donald Amoruso Sr. is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he is involved in educational consulting and writing, and serves as a trustee on the boards of Cabrini Housing Development Corporation and Cabrini of Westchester Nursing Home. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edward Heller is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. He has worked with Avantax Advisory Services and National Tax Service Inc., among other firms, and serves as managing partner at Heller & Filippone LLP, an accounting services firm. Heller is also involved in mortgage consulting and insurance planning through HF Financial Group LLC. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management solutions, combining access to affiliated and third-party managers and various program structures.

Marisa Di Vietro is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at IEQ Capital, LLC, St. James's Place Wealth Management, and Cool Insuring Agency. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Christopher Baxter is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 63 designation and has spent the majority of his career at Morgan Stanley and its affiliated entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Samuel Kerner is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and its Private Bank since 2018. Prior to that, he spent over two decades at Franklin/Templeton Distributors, Inc. Kerner also has sole proprietorship involvement in a rental property business in Hilton Head Island, SC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to assist clients with their financial goals.

Brian Walsh is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera since 2005. Walsh also owns and operates a tax services business providing tax resolution for small businesses, and he serves as president of a tax and accounting firm where he oversees a staff of accountants and tax preparers. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform with access to affiliated and unaffiliated model portfolios and third-party managers.

Christopher Martino is a Series 66 licensed financial advisor at Fidelity with one year of industry experience. His prior roles include positions at Petito Wealth Management, Hightower Advisors Capital Management Group New York, and several engagements related to Quinnipiac University. Fidelity’s Strategic Advisers LLC, where he works, provides investment management and advisory services to a diverse client base including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and its advisory role to registered investment companies and fund-of-funds.

Allie Lehman is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, she worked at JP Morgan Chase and Utica National Insurance Group. She has a background in full-time education spanning over a decade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment options alongside integrated brokerage, custody, and advisory services.

Ryan Rozniakowski is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has been with UBS since 2017, including his tenure at UBS Bank USA. Prior to that, he worked at Lakeview Loan Servicing, LLC for one year. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad platform that includes custody, underwriting, and capital markets services.

Roger Trimble is a financial advisor at Morgan Stanley with nine years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley since 2014 and serves on the advisory board of the Baruch College Fund. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools.

James Barbi is a financial advisor at Fidelity with 24 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at AXA Advisors, LLC and RBC Capital Markets. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Shalom Azar is a financial advisor with Wells Fargo Advisors in Fort Lee, NJ. He holds a Series 66 designation and has six years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2021 to 2025, and at Bank of America and Merrill from 2019 to 2021. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering customized recommendations supported by Wells Fargo research and planning tools. The firm serves clients who meet certain net-worth thresholds with a broad menu of planning services, including specialized areas such as business-owner transition and special-needs analysis.