Tiffany Carra is a financial advisor with Primerica Advisors in Oakland, NJ, holding her Series 63 and Series 65 credentials and bringing nine years of industry experience. Her prior work history includes roles at Theodore Agelis Jr. LLC, Dual Mark Inc., and PFS Investments Inc., among others. She is also involved in selling non-investment products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven strategies developed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Richard Ragold is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Transamerica and Sanford Insurance Group. Outside of his advisory work, he is involved in residential real estate referrals through Realty Executive Group. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Jason Borrelli is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 2003, progressing through roles including Financial Planning Consultant, Investments Representative, and Customer Service Representative. Prior to joining Fidelity, he worked as a Portfolio Administrator at Bank of New York from 2001 to 2003. Jason focuses on building long-term relationships by providing thoughtful guidance tailored to each client's unique financial situation. He emphasizes careful listening and aims to be a trusted resource in helping clients navigate financial decisions and develop personalized plans aligned with their goals. Outside of his professional responsibilities, Jason enjoys baseball, family activities, hiking, and skiing.

Subin Alexander is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, following five years at JP Morgan Chase Bank NA and JP Morgan Securities LLC. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 employs a structured planning process supported by firm-approved tools and market scenario modeling.

Daniel Smith is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 24 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is involved with FTBO, Inc., an organization that assists local families with education and health-related expenses. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Max Roy is a Series 66-licensed financial advisor with three years of industry experience. He is currently with Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, having previously worked at UBS Financial Services, Inc., M&T Bank, Citibank, and also spent time with Club Z Tutoring and Bergen Community College. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 blend of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive integrated operational structure combining advisory, brokerage, custody, and cash-sweep services.

Kevin Benoit is a financial advisor at Wells Fargo Advisors with 23 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Morgan Stanley and Morgan Stanley Private Bank. Benoit also owns and operates Kevin Benoit LLC, an investment-related business based in Hackensack, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and sports & entertainment planning, utilizing proprietary research and tools to develop tailored client recommendations.

Vincent Lanfrank is a CFP® professional with 21 years of industry experience, affiliated with LPL Financial and The Astorino Financial Group, Inc. since 2004. He serves as treasurer for the nonprofit organization West Essex UNICO in Fairfield, NJ. 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 comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research support.

Franco Dimaio is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with high-net-worth individuals and families, focusing on education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Franco applies an informed, multidisciplinary approach to wealth management, emphasizing disciplined portfolio positioning, risk management, and adaptability to changing markets. Franco's expertise is supported by extensive professional credentials including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree and a Juris Doctorate Degree from Rutgers University and Rutgers Law School, respectively. His legal background complements his financial expertise, enabling comprehensive evaluation of financial, legal, tax, and risk factors for his clients. Outside of his professional work, Franco is involved with the Northern Counties Soccer Association. He enjoys cooking, reading, running, tennis, yoga, and spending time with his family. Fluent in English and Italian, Franco integrates his broad skillset and personal interests to support clients in achieving their long-term financial goals.

George Carbunescu is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at both Bank of America, N.A. and Merrill since 2011. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

Diana Ceylan is a CFP® certificant with 30 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2023. Prior to joining Morgan Stanley, she worked at Oppenheimer for 14 years. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies derived from the Global Investment Committee’s analyses. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client engagements and agreements with employers.

Brian Burke is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016, following prior roles at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, specializing in tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery conversations and planning tools to develop financial plans.

Anhar Farag is a financial advisor with Morgan Stanley, holding a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following a year at UBS. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning through Financial Advisors and its Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its financial planning process.

Daniel Parrott is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2018. In addition to his work in financial advising, he has been involved with A&E Nyack Enterprises Inc for over 15 years. 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 strategies supported by internal and third-party investment teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hugo Carvajal is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at MML Investor Services and MassMutual from 2008 to 2024. Outside of his advisory role, Carvajal serves as an officer for St. Michael's Basketball Association and Letip of Clifton, and he owns The Gemini and Scorpio Group LLC. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Brad Greenbaum is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, and has 31 years of industry experience. He has worked with multiple firms, including Altigro Retirement Services and Fairfield Benefit Associates, and has been involved in actuarial consulting, fiduciary training, and financial services through various business roles. He also contributes as an exam writer for FI360’s Accredited Investment Fiduciary (AIF) exam. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke strategies.

Rahil Patel is a financial advisor at LPL Enterprise with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including New York Life Insurance Company, Eagle Strategies, Summit Financial, and Pruco Securities. Patel is also engaged in non-variable insurance advisory activities through Prudential Advisors. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing advisory and brokerage services supported by model portfolios and third-party management. The firm’s integrated platform combines advisory programs with financial product sales, including insurance, and offers discretionary and non-discretionary financial planning services.

Derrick Ossi is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with OSAIC and has previously worked at SagePoint Financial, LPL Financial, MassMutual, MML Investors Services, Guardian Life, and Northeast Planning. In addition to advisory work, he is an insurance agent at EBNY Insurance Services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios, while supporting multiple advisory platforms and transitions from prior mergers.

Jeannine Lennon is a financial advisor at UBS Financial Services with eight years of industry experience. She has been with UBS since 2017 and previously worked at MBIA for ten years. She holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals.

Minesh Patel is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior work includes nine years with Bank of America and Merrill. Outside of his advisory role, he is a general partner at BM Vesh Assoc LLC, a for-profit LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and leverages research from Wells Fargo Investment Institute and third-party sources to support its investment strategies.