Hetal Joshi is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley Private Bank and PNC Bank. Fidelity’s subsidiary Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts. The firm is notable for its use of systematic methodologies and roles advising multiple registered investment companies, as well as its application of AI and established governance practices.

Kenneth Cariota is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Wells Fargo entities since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Moshe Lewis is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services, Inc. and Capital One Investing, LLC. Outside of his advisory role, he assists clients with insurance planning through Northeast Wealth Planning LLC. OSAIC serves a diverse range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by multiple advisory platforms. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios across various asset classes and provides access to third-party money managers and managed-account solutions.

Benjamin Bartley Cohen is a financial advisor with UBS Financial Services, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining UBS, he was employed at InvestorCOM and has an academic background including four years at Binghamton University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor client plans. The firm combines institutional trading capabilities with wealth management services, operating across multiple regulatory roles and offering a broad range of financial products and solutions.

Terrance Stevens is a financial consultant currently working at Fidelity Investments since 2023. He has built a career in the financial services industry with over 12 years of experience. Throughout his career, Terrance has held various roles, including Senior Premier Banker, Premier Banker, and Relationship Banker at Wells Fargo from 2015 to 2023, as well as Financial Service Representative at Hudson Valley Credit Union from 2013 to 2015. His professional expertise focuses on assisting clients in achieving their financial goals through a client-centered approach. Terrance is committed to providing service that aligns with clients' unique needs, offering guidance and resources to help them manage their financial journeys effectively. Outside of his professional pursuits, Terrance enjoys fitness and traveling.

John Natoli is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily 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.

Ray Donnelly is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He previously worked at UBS Financial Services from 2016 to 2025 before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jeffrey Goria is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019, following five years at Trident Brokerage Services LLC. Goria serves as a trustee in estate and trust roles outside of his advisory work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Kathleen Toolen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and 37 years of industry experience. She has worked at Raymond James since 2022, following prior roles at Merrill and UBS Financial Services. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Pantaleo Uva is a financial advisor at LPL Enterprise with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1981 to 2024 before joining LPL Enterprise in 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

David Borer is a financial advisor at Merrill with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Merrill and Bank of America in 2025, he worked at Equitable Advisors for two years and has experience in language education through roles at Further Language Center, Much English, and Franklin Language Center. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Martin Mellman is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been associated with Pleasant Valley Advisory since 2001 and Royal Alliance Associates, Inc. from 2000 to 2023. Mellman is also a CPA and owns a sales and administrative services business in Moorestown, NJ. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of asset allocation tools and third-party platforms to offer customized investment solutions across various asset classes.

Pauline Honecker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has worked at JPMorgan Chase Bank, N.A. since 2010 and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

James Doctor is a financial advisor at Merrill in Saddle River, NJ, holding a Series 66 designation with one year of industry experience. He previously worked at Phone.com for eight years before joining Merrill and Bank of America in 2026. 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, pension and profit-sharing plans, corporations, and charitable organizations.

James Murphy is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2017 and previously held roles at Morgan Stanley and Morgan Stanley Private Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Sheldon Cazoe is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Primerica Advisors since 1993 and has over three decades of experience with Primerica Financial Services. In addition to advisory services, he is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and provides advisory services through a broad network of advisors across numerous offices.

Robert Roland is a financial advisor with LPL Financial and LEXCO Wealth Management, Inc., holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has worked at LEXCO Wealth Management since 2011 and at LPL Financial since 2017. He also provides financial planning and consulting services through LEXCO Wealth Management, an independent registered investment advisor firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.

Anthony Siciliano is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at Primerica Financial Services and PFS Investments Inc. He is involved in other business activities related to investment products and mortgage loan sales, and manages two legal entities formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Michael Norris is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.