Shannon Schiavo is a financial advisor with Ameriprise, holding a Series 66 designation and 16 years of industry experience. She has worked with Ameriprise Financial Services, Inc. and Ameriprise Financial Service, LLC since 2009. Outside of her advisory role, Schiavo is involved in beekeeping as a non-investment-related business activity. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Stephen Scanapicco is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is involved in movie production through his membership in Jellie Belle Holdings LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by proprietary tools and market outlook models.

Jarrell Legagneur is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. He previously worked at Edward Jones and has a varied professional background including roles at Amazon and Sprint. Legagneur is the founder of PostEden LLC, though the business is currently inactive. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and an affiliated insurance agency.

Nicholas Cherekjian is an Investment Solutions Representative III with experience at Fidelity Investments and Wells Fargo Advisors. His roles have included Investment Solutions Representative I and High Net Worth Associate at Fidelity, as well as Executive Office Case Advisor at Wells Fargo Advisors. He also held a position as an Actuarial Intern at Crum and Forster. Nicholas focuses on providing client service by listening to understand each client's unique goals, values, and concerns before formulating strategies. He aims to simplify complex financial concepts, offer clear guidance, and build trust through transparency and consistent follow-up. His approach emphasizes education and collaboration to empower clients to make decisions aligned with their objectives. Outside of his professional work, Nicholas enjoys fitness, hiking, outdoor adventures, running, snowboarding, and surfing.

Thomas Armitage is a Private Wealth Advisor within Merrill's Private Wealth Management division. He joined Merrill in 2002 and brings over 30 years of financial industry experience. In his role, he designs integrated wealth management strategies tailored to the needs and priorities of ultra-high-net-worth clients. Thomas develops customized portfolios aligned with clients' long-term goals and incorporates both strategic and tactical elements to help clients navigate changing economic conditions while maintaining a focus on market fundamentals. Thomas is actively engaged with private and public companies preparing for mergers and acquisitions, facilitating access to Bank of America's Commercial and Investment Banking divisions to provide financial solutions. Before joining Merrill, he held roles at J.P. Morgan's Private Bank, Hambrecht & Quist, and Cowen & Co., focusing on Corporate Executive Services. At Hambrecht & Quist, he co-founded and led the Investment Management Consulting Division, which offered access to third-party money managers for both retail and institutional sales forces. Thomas earned a Bachelor's degree from Colorado State University and holds the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute. He is affiliated with professional organizations including ACG New Jersey, Colorado Companies to Watch as a former board advisor, and the Vistage CEO Forum.

Vimal Shah is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial priorities and develop strategies aimed at pursuing their short-, mid-, and long-term goals. His advisory approach covers a range of areas including general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates client access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Vimal holds the Personal Investment Advisor (PIA) designation and earned a Bachelor’s Degree from The Maharaja Sayajirao University. Fluent in English, Hindi, and Gujarati, he emphasizes a client-centered philosophy focused on uncovering what matters most to individuals and their families in order to create tailored financial strategies. He provides ongoing advice and guidance to adapt to changing client circumstances.

Lori Curley is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Ameriprise and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Lucille Cilento is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 63 designation and 25 years of industry experience. She has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Angela Dipalermo is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has worked at UBS since 2022 and previously spent six years at Wells Fargo Clearing. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Paul Buckley is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and previously worked at Prudential Global Investment Management for 13 years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 proprietary tools and research.

Vincent Vadala is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds Series 65 and Series 63 designations and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes research from its Chief Investment Office and UBS Global Research to tailor investment strategies.

Randolph Doerr is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, Primerica Advisors, OSAIC, and PGIM Investments LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

James Bratone is a financial advisor with LPL Enterprise, holding a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Cetera Wealth Services LLC and Cetera, as well as experience outside the financial sector. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional clients. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Scott Kirschner is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His career includes roles at Bank of America, Merrill, and several other organizations. 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, and institutional investors.

Neil Montesano is a financial advisor with LPL Financial holding a Series 63 designation and 27 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Montesano is also involved with Boland-Montesano Financial Group LLC, a non-investment business entity. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary strategies and technological tools.

Vicki Pace is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2018, with prior experience at Janney Montgomery Scott. Outside of her advisory role, she is involved with Pronto Gift Baskets, a retail and online store in West Chester, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Austin Cioffi is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and having five years of industry experience. His work history includes roles at MassMutual Life Insurance Company since 2022 and prior positions at National Holdings Corp and National Securities Corporation. He was a full-time student for ten years before entering the industry. MassMutual 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, and educational seminars, focusing on structured, collaborative planning engagements using firm-approved analytical tools.

James Magaziner is a financial advisor at OSAIC with 42 years of industry experience. He holds the CFP® and ChFC® designations and was previously with John Hancock Life Insurance Company for 26 years before joining OSAIC in 2018. In addition to his advisory role, he operates a sole proprietorship providing financial planning and wealth advisory services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset allocation tools, risk tolerance analysis, and access to third-party money managers.

Brett Palumbo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies a disciplined process to provide a consistent and customized approach to wealth management, focusing on understanding clients’ individual and professional priorities before making financial decisions. Brett works closely with clients to establish financial objectives, develop tailored action plans, and recommend strategies that integrate all aspects of their financial lives. He also conducts regular reviews to monitor progress and adjust plans in response to life or business changes. With over 30 years of experience in the financial services industry, Brett joined Merrill in 2010. His expertise covers areas including college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Brett holds a Bachelor of Science degree in Finance with a minor in Economics from the University of Delaware. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Brett grew up in Little Silver, New Jersey, and currently resides in Lincroft, New Jersey, with his wife and two children. He is involved in his community through participation in the Lincroft Soccer Board and the Jersey Off Road Bicycle Association (JORBA). His personal interests include baseball, biking, football, and surfing.

Nicole Burns is a financial advisor with Merrill in Morganville, NJ, holding Series 63 and Series 66 credentials. She has 32 years of industry experience, including nine years at Merrill and prior work at Freehold Cartage, Inc. Outside of her advisory role, she serves as executor and holds power of attorney positions related to several estates. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.