Andrew Burkhardt is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63, 65, and 66 designations and bringing 20 years of industry experience. His prior work experience includes roles at PNC, PNC Investments, and CitiBank. Morgan Stanley Wealth Management provides a range of advisory programs to both individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and Corporate Financial Planning agreements.

Leslie Smith is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. Prior to joining Morgan Stanley Smith Barney in 2009, Smith worked at Citigroup Global Markets and Morgan Stanley DW Inc. from 2006 to 2009. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutions, offering financial planning that incorporates structured discovery and firm-approved tools but does not include individual security recommendations in its standalone planning programs.

Paul Maletsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Paul works with individuals and families to understand their financial situations, risk tolerances, time horizons, and liquidity needs in order to develop aligned financial strategies. His approach combines personalized service with investment insights from Merrill and access to Bank of America banking services. Paul holds a Bachelor's degree from Lafayette College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch Wealth Management in 2013, he worked as an equity trader and held positions as an analyst and portfolio manager on Wall Street. He also spent three years as a Managing Director at a consulting firm specializing in community banking. Outside of his professional career, Paul enjoys golfing, spending time with his family, and traveling. He emphasizes understanding clients' values through one-on-one conversations to help them pursue their life goals and plan their legacies.

Matthew Kronenberg is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. His work history includes roles at City National Bank and Mandelbaum & Mandelbaum. 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 portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.

Gregory Bielat is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with UBS since 1991. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based 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.

Caroline Nelson is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1999. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Rebecca Powell is a Certified Financial Planner® with 28 years of industry experience. She is currently with Wells Fargo Clearing Services LLC, where she has worked since 2019. Prior to that, she held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Giuseppe Sellitto is a financial advisor at Morgan Stanley with 17 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. He holds Series 63 and Series 65 designations and is based in Morristown, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and models to assist clients in developing their financial plans.

Krina Patel is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, with previous experience at Santander Securities and Axa Equitable. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process incorporates both quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Jeffrey Laster is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at RBC Capital Markets since 2014 and previously at City National Bank from 2017 to 2025. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Frederick Moss is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1983, also working at Bank of America since 2011. Outside of his advisory role, he serves as a fiduciary holding power of attorney in a non-investment-related capacity. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Osman is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2010. Outside of his advisory role, Osman is involved with the Shimon D. Sarah Birnbaum JCC and Match Fit Academy. 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, pension plans, corporations, and charitable organizations.

Kathleen Potter is a Financial Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2017, progressing through various positions including Planning Consultant, Relationship Manager, and Financial Representative. Throughout her career at Fidelity, Kathleen has worked closely with individuals and families to develop financial plans that align with their goals and values. Her approach involves personalized and transparent guidance to support clients in making confident financial decisions at different stages of life. Kathleen is committed to partnering with clients to help protect, grow, and enjoy their wealth with clarity and peace of mind.

Joseph Fano is a Series 66-licensed financial advisor with LPL Enterprise, LLC and has one year of industry experience. Prior to joining LPL Enterprise in 2026, he held roles at Aflac, Cornerstone Financial Associates, and worked in education from 2016 to 2025. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, third-party asset manager access, and affiliated insurance and trust services.

Justin Brenner is a financial advisor at Fidelity with Series 63 and Series 66 registrations and two years of industry experience. His prior roles include positions at The Ohio State University, Burlington, RBC Capital Markets, and YOGIBO. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Thomas Cannizzo Jr. is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 15 years of industry experience. His prior roles include positions at Allied Wealth Partners, Minnesota Life Insurance Co, Securian Financial Services Inc, and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions through a large network of advisors.

Ryan Smith is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 10 years of industry experience. His prior work includes roles at Equitable Advisors LLC, Sanford C Bernstein & Co, Alliance Bernstein L.P., J.P. Morgan Securities, Prudential Insurance Company of America, and AXA Advisors. Outside of his advisory work, he volunteers as an assistant lacrosse coach in Madison, NJ. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combined advisory and brokerage platform that includes both non-discretionary and discretionary investment solutions, supported by centralized custody and operational resources.

Joseph Troy is a financial advisor with Ameriprise in Florham Park, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2007. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement-income planning, utilizing a written Recommendation Report and ongoing advice to support dependable income and tax-aware withdrawal strategies.

Robert De Rienzo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His career includes roles at Wells Fargo Clearing, Citigroup Global Markets, Merrill, and multiple positions within Morgan Stanley entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate strategies. The firm employs structured planning tools and manages extensive client assets while providing services through a combination of advisory and brokerage capabilities.