Michael Graziano is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Prior to joining Morgan Stanley, he worked for UBS Financial Services for 12 years. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process with firm-approved tools and modeling techniques.

Curtis White is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Ameriprise and its affiliated entities since 2010. Outside of his advisory role, he is involved with L&J Operations LLC as a registered team member. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice primarily for clients holding assets in Ameriprise-managed accounts.

Jack Riley is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, he co-owns a beach home in Rehoboth Beach, Delaware. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations with research from its Chief Investment Office and Global Research teams to tailor client plans. The firm provides a range of services including portfolio management, financial planning, and capital markets activities, operating as both an investment adviser and broker-dealer.

Monique Van Nispen is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2016 and has also been affiliated with Bank of America, N.A. since 2024. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations by offering model-based and discretionary investment strategies developed by internal and third-party managers.

Sarah Fisher is a financial advisor at RBC Capital Markets with seven years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at JP Morgan Chase, J.P. Morgan Securities, First Republic Securities Company, and Tradeweb Direct. Her background also includes a period of employment at the U.S. House of Representatives and time at The George Washington University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide both discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and incorporating a mix of in-house and third-party investment managers.

Rocco Domicolo is a financial advisor at Cetera with 41 years of industry experience. He holds Series 63 and Series 66 designations. His prior firms include Ameriprise Financial Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Alan Jacobson is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he is involved in managing a seasonal weekly rental property in Holgate, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

Robert Cerasia is a financial advisor at Morgan Stanley with 55 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Joseph Bancheri is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he co-owns Melanique Ventures, LLC, a business focused on recreational fishing activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options in its offerings.

Justin Lynch is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he focuses on building valued relationships with clients and their families to develop personalized wealth strategies. He concentrates on delivering organization, purpose, and tax efficiency to help clients achieve their financial goals. Justin has over 20 years of experience providing financial strategies for entrepreneurs, corporations, and private individuals. He joined Merrill Lynch Wealth Management in 2009 to provide trusted advice and assist clients in planning their financial futures. While he maintains his Certified Public Accountant (CPA) license and holds the Chartered Retirement Planning Counselor (CRPC) designation, he does not provide tax advice in his current role. He holds a Bachelor of Science degree in accounting from Villanova University and a Master of Business Administration degree in finance from New York University. Justin resides in Bernardsville, NJ with his wife Anne and their three rescued dogs. He actively volunteers for local organizations including Rotary and his church, and has served as President of the Oratory Prep Parents' Guild. His personal interests include golf, fishing, and horseshoes.

Tia Regan is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 27 years of industry experience. She has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Robert Laird Jr. is a financial advisor with LPL Enterprise and holds Series 63, 65, and 66 licenses. He has 17 years of industry experience, including prior roles at JP Morgan Chase Bank and JP Morgan Securities LLC. Outside of finance, he also works as a package car driver for United Parcel Service. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Kyle Kaiser is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cetera Advisor Networks and Allied Wealth Partners, among other firms. Outside of his advisory roles, he previously had experience working in education and the food service industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and uses multiple portfolio management and research resources to support diversified investment strategies.

Michael Staufenberger is a financial advisor with Stifel, holding Series 63 and Series 65 designations and 32 years of industry experience. He has been with Stifel since 2007. Outside of his advisory role, he owns and manages Whitetail Ridge Farm in New Jersey, where he is involved in hay and corn farming as well as maintaining food plots for hunting. Stifel serves individuals, including high net worth and non-HNW clients, as well as institutional clients such as pension plans and charitable organizations. The firm provides brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

John Tumminia Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and bringing 24 years of industry experience. He previously worked at MetLife Securities Inc. for 12 years before joining Mass Mutual Investors Services in 2017. Tumminia is also a servicing partner specializing in employee group retirement plans at Force Financial. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and provides event-driven planning services including divorce and estate settlement planning.

Lauren Conigliaro is a financial advisor at Morgan Stanley with six years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2020, and previously at BNY Mellon Wealth Management from 2015 to 2020. She holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and research to support its advisory services.

Michael De Nucci is a financial advisor at Merrill in Florham Park, NJ, holding a Series 66 designation. He has been with Merrill and Bank of America, N.A. since 2026. Prior to his advisory role, he was associated with Lehigh University and Pope John XXIII. 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, high-net-worth clients, and institutions.

Ethan Madera is a financial advisor at UBS Financial Services with five years of industry experience. He holds a Series 66 designation and has worked with UBS since 2018. Prior to his advisory role, he held positions in various industries including staffing and hospitality. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Craig Levin is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Arthur Warden IV is a financial advisor with Equitable Advisors, holding a Series 66 credential and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, Morgan Stanley, and E*TRADE Securities. Outside of his advisory work, he volunteers as a youth lacrosse coach with Roxbury Gales Youth Lacrosse. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.