Stacey Smith is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to assist clients in financial decision-making.

Anthony Cingire Jr. is a financial advisor with OSAIC, holding a Series 63 designation and 33 years of industry experience. He previously worked at Lincoln Financial Advisors for over 28 years. In addition to his advisory role, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers through multiple advisory platforms.

Amanda Gravina is a Financial Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Planning Consultant at Fidelity Investments from 2020 to 2024. In her current position, Amanda partners with clients to build and establish personalized financial plans tailored to their unique goals. She focuses on creating and maintaining relationships with individuals and their families to help them feel confident in growing and protecting their wealth. Outside of her professional work, Amanda has interests that include cooking and baking, family activities, fitness, food, and Pilates.

Joseph Coniglio is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has worked at LPL Financial (formerly Linsco Private Ledger) since 2006 and previously worked at Raymond James Financial Services from 2003 to 2006. He also operates Joe Coniglio Wealth Management, LLC, an investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2012. In addition to her advisory role, Moore is involved in the sale of home security and automation products and other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides discretionary portfolio management supported by BNY Mellon Advisors and Pershing for trade execution and custody.

William Schwartz is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 credential and eight years of industry experience. He previously worked at UBS Financial Services, Inc. and Amalgamated Bank. Morgan Stanley Wealth Management serves individual and institutional clients by offering 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 provides services both directly and via corporate agreements.

Richard Urban is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 20 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012 and previously held roles at Merrill and RBC Capital Markets. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Minnis is a financial advisor with LPL Financial in Paramus, NJ, holding the CFP® designation and Series 66 license. He has 14 years of industry experience, with prior roles at New York Life, Charles Schwab, and Merrill. Minnis was also involved with Private Portfolio Partners, LLC, an independent firm where he worked during securities trading hours. 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 a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Todd Schroeder is a financial advisor with Cetera in Midland Park, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Columbia Bank, Allied Wealth Partners, and Securian Financial Services. Outside of his advisory work, he coaches wrestling five hours per week. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services utilizing multiple program platforms and a multi-manager approach.

Frank Scozzafava is a financial advisor with LPL Enterprise holding Series 63 and Series 65 registrations and over 33 years of industry experience. He has worked at Prudential Insurance Company of America since 1993 and has been with LPL Enterprise since 2024. Outside of advisory work, he is involved in health and disability insurance sales through affiliated organizations. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, while also facilitating insurance product sales through affiliated entities.

William Burke III is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for a family member, assisting with financial decisions. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Christopher Messler is a Private Wealth Management Investment Management Consultant at Fidelity Investments. In this role, he partners with clients and their Wealth Management Advisors to help implement and monitor investment strategies aimed at pursuing long-term investment goals. He has progressed through multiple roles at Fidelity Investments, including Investment Management Consultant I through III from 2022 to 2026, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, he worked as a Registered Representative at Equitable from 2020 to 2021. Outside of his professional responsibilities, Christopher enjoys activities such as fishing, football, golf, skiing, soccer, and participating in social events with friends.

Matthew Di Betta is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Windsor Group in Paramus, New Jersey. Since joining in 2010, he has played a key role in overseeing wealth management, portfolio review, and wealth planning processes for his clients. His approach involves building customized financial plans and investment strategies tailored to each client's unique objectives. Matthew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He earned a Bachelor of Arts degree in Economics from Hobart and William Smith Colleges, where he also served as captain of the cross-country team. Outside of his professional work, Matthew maintains an active lifestyle by participating in running events, basketball, skiing, and traveling. He resides in Pleasantville, New York, with his wife Caitlin, their three children, and their black Labrador.

Sarkis Shirinian is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following earlier tenure at Citigroup Global Markets. In addition to his advisory role, he is involved in tax return preparation. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, emphasizing 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-based financial planning services.

Luca Carlino is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at TD Ameritrade, Morgan Stanley, E*TRADE, and Northwestern Mutual. Outside of finance, he was involved with Divina Ristorante for ten years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary portfolio management, supported by multi-asset model portfolios and a centralized operational structure.

Frederick Schuldt Jr. is a financial advisor with Ameriprise who holds a Series 63 designation and has 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Schuldt is an international motivational speaker and author, having contributed a chapter to the book *25 Brilliant Speakers* and working on a film about his personal journey. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brett Hasenecz currently serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2009, initially working as an Investment Consultant and Financial Consultant before his promotion. Prior to joining Fidelity, Brett worked as a Financial Advisor at Bank of America Merrill Lynch from 2007 to 2009, and at First Investors Corp. from 2004 to 2007. With over 22 years in the financial services industry, Brett focuses on partnering with high net worth individuals and business owners to develop personalized financial plans. His approach centers on the belief that failing to plan is planning to fail, and he works closely with clients to help them reach their financial goals. Brett holds a California Insurance License and maintains personal interests in fitness, football, hiking, skiing, and soccer.

Neila Malvoisin is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Farmers Insurance. 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.

Richard Williams is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he serves as Fundraising Committee Chairperson for Boy Scout Troop 109 in Hillsdale, where he helps organize an annual pancake breakfast to raise funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution. The firm’s investment approach includes multiple strategy types and extensive manager selection overseen by its CIO, with a focus on tax-efficient capabilities and integration with Bank of America affiliates.

Stephen Visnovske is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, First Republic Bank, and Morgan Stanley Private Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.