Mary Emson is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, having started her career at Citigroup Global Markets in 1996. Emson is involved in family estate and investment planning through ownership and part ownership of entities focused on these areas, and she serves on the advisory board of Next Chapter, a finance-related organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs and financial planning services to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment research to support its advisory process.

James Miller is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at IC Advisory Services, Inc. and The Investment Center, Inc. for 17 years each. Miller serves as a board member of the Rotary Club of Cranford. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Andrew Allen is a Wealth Management Advisor with Merrill Lynch Wealth Management in Morristown, New Jersey. He began his career in wealth management at Merrill in 1994 and is a founding partner of The Harbor Group, a team dedicated to serving the complex financial needs of high-net-worth individuals, family offices, and foundations. Andrew also serves on the Board of Managers and the Investment Committee of Dillon Trust Company, a single-family, private trust company. Andrew’s expertise includes managing proprietary model portfolios and tailoring investment strategies to meet clients’ specific needs and goals. His approach incorporates an understanding of family dynamics into wealth strategy, allowing the team to adapt to market changes, price volatility, global events, and changes in clients’ personal circumstances. He holds a Bachelor’s degree from Rollins College and the Chartered Retirement Planning Counselor (CRPC®) designation awarded by the College for Financial Planning. Beyond his professional work, Andrew has a family background in the wine business, with his family’s company owning several notable vineyards and a Michelin-starred restaurant in Paris. He is involved in philanthropy as a director of two charitable foundations—the Allen Family Foundation and the Clarence and Anne Dillon Dunwalke Trust—and serves on the Board of Trustees at Berkshire School, his alma mater. He has also held board positions with other charitable and educational organizations.

Wiener Nivose is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Primerica Advisors since 2016 and has additional experience at Primerica Financial Services and Nysdot. Outside of his advisory role, he is a co-owner of Fruit In Action LLC (Finact LLC), which provides assistance to people in Haiti. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, maintaining oversight of its investment models and processes.

Jeffrey Unger is a financial advisor with LPL Financial in Staten Island, NY, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His prior roles include positions at Citizens Securities, Santander Bank and Securities, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios from multiple sources.

Anel Kadiric is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, Kadiric has worked in personal training and nutrition guidance through ownership of AK Nutrition and Training LLC and operates online retail activities selling trading cards and collectibles. Ameriprise is a large institutional firm offering retirement-income planning services focused on individuals with significant net investable assets, combining research and modeling with tax-efficient strategies to deliver tailored recommendation reports.

Jeannine Gaeta is a Series 66 licensed financial advisor at Merrill with 13 years of industry experience, all spent at Merrill since 2013. She also works as a consultant for Isagenix International, a company focused on nutritional products and supporting a healthy lifestyle. 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, institutions, and charitable organizations.

Armaghan Ahmad is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and four years of industry experience. He has been with Wells Fargo Clearing since 2017 and has worked at Wells Fargo Bank since 2014. 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 approach is IPS-driven and grounded in modern portfolio theory, and it includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Pradley Casseus is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase Bank NA and JPMorgan Securities, LLC. Outside of his advisory role, he co-manages a rental property. 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 investment strategies for individuals, institutions, and nonprofit organizations.

Guy Bock Jr. is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials with 38 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and firm-approved planning tools in its financial planning process.

David Gerber is a CFA® charterholder and holds a Series 63 license. He has 13 years of industry experience and has been with UBS Financial Services since 2012. Outside of his advisory role, he owns and operates a real estate business through a sole proprietorship. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining model-based asset allocations and research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and lending solutions.

Kenritsu Hamasaka is a financial advisor with Morgan Stanley in Short Hills, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked within Morgan Stanley Private Bank and Morgan Stanley since 2016. Outside of his advisory role, Hamasaka is a silent partner in K&M Inception LLC, a retail business in Rutherford, NJ. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm‑approved tools, serving clients both directly and through employer-based agreements.

Jamie Caceres is a financial advisor at UBS Financial Services with 17 years of industry experience. He has been with UBS since 2017 and previously worked at RBC Capital Markets, LLC. He holds a Series 63 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, delivering advice supported by proprietary research and model-based asset allocations.

Gautam Misra is a financial advisor with LPL Financial based in Warren, NJ. He holds Series 63 and Series 66 designations and has 32 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation and Beacon Financial Group. Outside of his advisory role, he operates a home-based business entity, Misra Enterprise Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Biunno Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is a member of the RM & Associates team, which allows him to address a wide range of financial needs and situations. David has worked in financial services since 2007, providing tailored advice and guidance to executives, small business owners, and families through a holistic approach that accommodates multiple priorities. His experience includes crafting robust strategies grounded in clients' specific goals and needs while considering their risk profiles and time horizons. Prior to joining Merrill Lynch Wealth Management, David spent six years as a Financial Advisor with Professional Economic Growth Group in Edison, New Jersey. He also served as an advisor with AXA Insurance. David holds a bachelor's degree from Providence College and is a founding member of its New Jersey Alumni Association. He has earned the Chartered Retirement Planning Counselor (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. In addition to his professional activities, he is involved in the Providence College Alumni Club of New Jersey, serves as a hockey coach for the Beacon Hill Club, and participates with the New Jersey Brain Injury Association.

Christina Jasko is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Outside of her advisory role, she serves as Membership Chair for the Home and School Association at Northern Highlands Regional High School. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aarushi Pathak is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her previous roles include positions at JP Morgan Chase Bank, Prudential Insurance Company of America, and Pruco Securities LLC. She has been with Merrill and Bank of America since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutions. The firm provides model-based and discretionary investment strategies constructed by internal and third-party teams, supported by comprehensive trade execution and account administration.

Reid Scorzetti is a financial advisor at UBS Financial Services with a Series 66 designation and no prior industry experience. His work background includes roles at UBS Financial Services, Inc. and Avonwood Capital Partners, as well as academic experience at Pennsylvania State University and secondary education institutions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Theresa Kroom is a financial advisor at Morgan Stanley with 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 2005. She holds a Series 66 designation. Outside of her advisory work, she sells homemade crafts as a proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Anthony Karabas is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and bringing 37 years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2016. In addition to his advisory role, Karabas is licensed as an agent selling life, health, property and casualty, disability, Medicare-related products, fixed annuities, long-term care insurance, and group life insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a structured, collaborative planning approach using analytical tools, offering various programs including investment management and educational seminars.