Todd Waters is a Series 66-licensed financial advisor with Morgan Stanley in Morristown, NJ, with 21 years of industry experience. He has been 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 individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs structured planning tools and does not provide individual security recommendations as part of its standalone planning services.

Kevin Reidinger is a financial advisor at LPL Enterprise with eight years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. 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 portfolios, third-party asset management, and a variety of brokerage and insurance products via an integrated platform.

Frank Karpack is a CFP® and ChFC® with 26 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016. Prior to that, he spent eight years with METLIFE Securities Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management, using firm-approved analytical tools to develop collaborative, written recommendations for clients.

James Ruggiero is a financial advisor at Wells Fargo Clearing with a Series 66 credential and two years of industry experience. His prior work includes roles at Rutgers Business School, the New York Yankees, the Philadelphia Phillies, and West Virginia University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ryan Guthrie is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2008 and specializes in working with high net worth private clients as well as institutional retirement plans. Ryan focuses on providing financial strategies for individuals, families, and business owners, including designing and administering corporate retirement plans. Ryan has over 14 years of experience in the financial industry and holds several professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated with a Bachelor of Arts degree in Economics from The University of Vermont. Outside of his professional role, Ryan sings and plays guitar in two bands. He is also involved in community service as a member of the Mendham Township, NJ Zoning Board of Adjustment.

Michael Bocina is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In his role, he partners with individuals and families to understand their financial goals and assists them in planning to achieve those goals. He focuses on understanding the uniqueness of each client's personal situation to explore appropriate investment options. Mr. Bocina has extensive experience in the financial services industry, having worked in various roles since 1992. Prior to his current role, he was Vice President of Institutional Managed Accounts at Fidelity Investments from 2006 to 2012. Before that, he held the same position at Bank of NY from 1999 to 2006. He also gained experience as a Financial Consultant at Merrill Lynch from 1996 to 1999 and worked in Fixed Income Trading & Sales at Smith Barney from 1992 to 1996.

Lydia Nimene is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and over 25 years of industry experience. She has been with Merrill and Merrill Lynch since 1986, accumulating 40 years of service at the firm. 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.

Sebastien Cassu is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and five years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2021. Outside of his advisory role, he is also an independent insurance agent selling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC 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 financial planning engagements using firm-approved software and tools, with optional implementation of recommendations through brokerage or insurance products.

Michael Gabay is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Alexander Marashlian is the Branch Leader at Fidelity Investments in Morristown, where he leads the Fidelity Team in promoting client engagement and fostering a culture of excellence. He is focused on connecting with the community through local events and meetings to strengthen relationships with the town and surrounding areas. Prior to his current role, Alexander served as Executive Director and Head of National Internal Sales at Morgan Stanley Investment Management from 2014 to 2021. His professional experience encompasses leadership and sales within the financial services industry. Outside of his professional responsibilities, Alexander's personal interests include spending time at the beach, camping, enjoying comedy, participating in family activities, gardening, and watching movies.

Todd Gutkin is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a partner in GB Fitness, a gym business based in Hackettstown, New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements with employers.

Louis Villanueva is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Scott Howell is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with LPL Financial and has previously worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. Howell operates a DBA under Gladstone Wealth Partners related to his LPL business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

John Langdon is a financial advisor with Cetera, holding a Series 63 designation and over 41 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Langdon is involved in several nonprofit and community organizations, including board positions with the St. Joseph’s High School Foundation and the Brothers of the Sacred Heart Foundation, as well as advisory roles with charities supporting families affected by pediatric cancer. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, using a multi-manager platform that includes affiliated and third-party models, discretionary and non-discretionary account management, and various program structures.

Randel Evleth is a Wealth Management Advisor and partner with the LE Group at Merrill Lynch Wealth Management. He began his financial services career with Merrill in 1987 and has been providing wealth management advice and services to clients for over thirty years. Randel focuses on serving the complex needs of high-net-worth individuals and families, offering tailored advice across areas such as executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, and socially responsible investing. He holds multiple professional designations including Certified Financial Planner (CFP®), Certified Private Wealth Advisor (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Randel earned a Bachelor's degree in Political Science from Franklin and Marshall College in Lancaster, Pennsylvania. He works closely with clients and their other advisors to address challenges related to wealth accumulation, preservation, and distribution. Randel lives in Bernardsville, New Jersey with his wife of over thirty years, their two children, and two dogs. He is an avid skier and enjoys running, biking, golfing, swimming, woodworking, and watching movies. Additionally, he is involved with the Greater Somerset County YMCA.

Thomas Nisivoccia is a financial advisor with Cetera Investment Advisers LLC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include over a decade with CETERA Advisor Networks LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform featuring model portfolios, third-party managers, and customized strategies.

John Crlencic is a Series 66 licensed financial advisor with Wells Fargo Clearing, where he has worked since 2016. He has nine years of industry experience. Outside of his advisory role, he is involved in managing a rental property with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, combining research-driven investment strategies with access to a broad range of financial products.

Colleen D'Antonio is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured planning tools and scenario modeling.

Brian Kelly Jr. is a financial advisor at Morgan Stanley with over 31 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 1994. Outside of his advisor role, he manages family investment assets and estate planning through private LLCs. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through direct client engagements as well as corporate financial planning agreements.

Ramon Ortel is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 20 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market return models.