Chelsea Chiswick is a financial advisor with Equitable Advisors, holding a Series 66 designation and 10 years of industry experience. She has worked at Equitable Advisors since 2016, previously affiliated with AXA Advisors, LLC. Outside of her advisory role, she has experience working at the Flemington-Raritan Diner. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management. The firm delivers services through a network of Investment Adviser Representatives using a variety of third-party asset management programs and fiduciary services.

Daniel Bierals is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Osaic Wealth, Inc. since 2023, following prior roles at World Equity Group and New England Securities. He is also president of Bierals Wealth Management, LLC and is involved in insurance sales as an independent contractor. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by technology and maintains a complex affiliate network.

Sean Quigley is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has previously worked at Securian Financial Services, Allied Wealth Partners, Minnesota Life Insurance, and the Financial Accounting Foundation, among others. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment modeling techniques.

Matthew Tomko is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses with two years of industry experience. His work background includes roles at Morgan Stanley since 2022 and prior positions at Premini Events, Hollywood Golf Club, and Fairmount Country Club. He has also held teaching roles at Fairleigh Dickinson University and Lyndhurst High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Alexandra Goldenberg is a financial advisor at Merrill with seven years of industry experience and a Series 66 designation. She previously worked with the Hopatcong Board of Education and TGI Fridays. 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 a range of clients including individuals, pension plans, corporations, and charitable organizations.

Sara Kazarian is a financial advisor with Robert W. Baird & Co. and holds Series 63 and Series 66 registrations. She has 27 years of industry experience, having previously worked at Stifel, Nicolaus & Company, Wells Fargo Clearing, and Morgan Stanley. She is part of The DDK Group, a team within Baird’s Private Wealth Management department that serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and brokerage services, supported by internal research and manager oversight.

Connor Brady is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Eaton Vance Management, Eaton Vance Distributors, Cantor Fitzgerald, and Morgan Stanley Smith Barney. Outside of his advisory work, he is employed as a caddie at Somerset Hills Country Club. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, utilizing proprietary modeling techniques without providing individual security recommendations as part of standalone plans.

Jeffrey Valle is a financial advisor at Equitable Advisors in Morristown, NJ, holding Series 63 and Series 65 licenses with 33 years of industry experience. He has worked at Equitable Advisors and its predecessor AXA Advisors since 1999. He is the sole owner and managing partner of The Falcon Financial Group LLC, an outside insurance business. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and asset management programs, utilizing a network of Investment Adviser Representatives and a variety of third-party advisory models.

Sangeetha Senthil is a financial advisor at Morgan Stanley with six years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools, including Monte Carlo simulations and secular return estimates, while generally acting in an advisory capacity for plans.

Adam Nicot is a financial advisor at Wells Fargo Advisors with 14 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Advisors since 2022, following six years at Wells Fargo Clearing and a year at Allspring Funds Management, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services, utilizing Wells Fargo research and planning tools to develop tailored recommendations across various specialized planning areas.

Edward Doyle is a CFP®-designated financial advisor with LPL Financial, where he has worked since 1989, totaling 46 years of industry experience. He is based in Florham Park, NJ. 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 services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Edwin Kulawiak II is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and related entities since 2001. In addition to his advisory role, he owns and operates a tax practice, Nerenberg & Kulawiak, Inc., where he provides income tax preparation, business bookkeeping, payroll preparation, and tax and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations supporting its scale and product offerings.

Eric Woo is a CFP® with 32 years of experience in the financial industry, currently with RBC Capital Markets, where he has worked since 2018. His prior experience includes positions at Bank of America and Merrill. Outside of his advisory work, he is the owner of CrashDummies LLC, a for-profit business that involves selling items on various online platforms. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customizable portfolio management solutions using a combination of in-house and third-party managers.

Robert Lopinto is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2017. Prior to that, he was with Morgan Stanley and its affiliated entities for a decade. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet a net-worth threshold. The firm combines investment recommendations with planning tools and delivers services that can be implemented through brokerage or advisory programs on an optional basis.

Taulant Cela is a financial advisor with Wells Fargo Clearing, holding Series 63, Series 65, and Series 66 credentials and 19 years of industry experience. He worked at J.P. Morgan Securities for 10 years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers.

Nykia Wharton is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors since 2022, following six years at Wells Fargo Clearing and three years at Ameriprise. Outside of her advisory role, she is a certified running coach, group fitness instructor, yoga instructor, and a spring track coach for children. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and uses proprietary research and tools to develop tailored financial recommendations.

Dennis Ganley is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Clearing since 2022 and has been with Wells Fargo Bank, N.A. since 2017. Prior to that, he was employed at A&P/ACME for two years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is driven by investment policy statements and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Cardali is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Axa Advisors, LLC and self-employment focused on consulting. Outside of advising, he acts as a principal and consultant for general business management, information technology, and the automotive retail service industry. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives and third-party sponsors.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Paul Ciavarella is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and possessing 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, and Guardian, among others. Outside of his advisory work, he serves on the advisory board of the Wayne Lions Club and has an independent contractor role in the service industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.