Ryan Hetzer is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Miyuki Kiyota is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016, following a brief tenure at Townsend. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Micah Stavenhagen is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., Ironhorn Enterprises, and Syracuse 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 centralized due-diligence framework.

Todd Kingsbury is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. He serves on the boards of the D C K Endowment Fund Inc. and HomeWorks Trenton, Inc., an organization focused on education and housing for women in marginalized communities. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Aaron Simone is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has worked at Jpmorgan Chase Bank, N.A. since 2009. 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 and investment management capabilities, delivering non-discretionary advisory services supported by an in-house manager solutions team and a centralized due diligence framework.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Deon Smith is a Series 66–licensed financial advisor with 20 years of industry experience, currently practicing at Merrill since 2013. Based in White Plains, NY, he has spent over a decade with Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides 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, using model-based and discretionary strategies developed by internal and third-party managers.

Richard Cutler is a CFP®-designated financial advisor with LPL Financial, based in Ramsey, NJ, and has 40 years of industry experience. He founded Cutler Financial Services, LLC in 2003 and previously worked at Nathan & Lewis Securities, Inc. from 1994 to 2003. In addition to financial advising, Cutler is an independent insurance agent offering a range of property, casualty, health, and disability insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management solutions and supports advisors with proprietary research and technology tools.

Mahmoud Arjomand is a CFP® and ChFC® with 33 years of experience at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. He has worked with these firms since 1993. In addition to his advisory role, he is involved in sales at Polaris Risk Management Corp, which operates in life, property and casualty, and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Pamela Wetherbee is a CFP® professional with 24 years of experience in the financial industry and has been with Ameriprise since 2011. She holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as the finance secretary for Fishkill United Methodist Church and is the First Vice Chair of her local Democratic Committee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Emily Bender is a financial advisor at Morgan Stanley with 12 years of industry experience. She has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Outside of her advisory role, she serves as an executor and trustee in estate administration activities. 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 employs a structured planning process using firm-approved tools and economic modeling.

Roger Camp is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Roger's expertise lies in creating personalized financial plans that address his clients' unique ambitions, including education funding, retirement planning, and managing potential health care costs. He emphasizes connecting all aspects of a client's financial life to prioritize and pursue their most important goals, aiming to provide simplicity and transparency throughout the wealth planning process. Roger earned an Associate's Degree from New Mexico Military Institute, followed by both a Bachelor's and a Master's Degree from the University of Texas at Austin.

Jack Habif is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He also serves as a power of attorney for Sheron Habif in a non-investment capacity. 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 advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jonathan Moore is a financial advisor with Morgan Stanley who holds the CFP® designation and Series 66 license, bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 1996. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured financial planning process supported by proprietary tools and offers a wide range of investment and planning services.

Matthew Aquino is a financial advisor with Charles Schwab, holding a Series 66 license and having one year of industry experience. His prior roles include positions at Sanctuary Securities, Primerica, and PwC. He serves on the financial and advancement committees at Salesian High School, assisting with budget analysis and fundraising efforts. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Karen Dillon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and possessing 18 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities 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.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, Series 65, and Series 66 credentials and bringing 25 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions. The firm utilizes internal Chief Investment Office teams and third-party managers to implement tailored portfolio solutions.

Rosa Mazzone is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds the CFP® and Series 63 designations. Her work history includes roles at City National Bank and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Joseph Rosario Sr. is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anita Srivastava is a CFP® with 12 years of industry experience, currently serving at Morgan Stanley. Her background includes roles at Bank of America and Merrill prior to rejoining Morgan Stanley in 2023. She is a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.