Andrea Horowitz is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016. In addition to her advisory role, she serves as a FINRA arbitrator, analyzing and arbitrating industry complaints. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Sungmin Park is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing more than 30 years of experience in the financial services industry. He works with affluent families, accomplished professionals, corporate executives, and successful business owners. Sungmin focuses on delivering personalized wealth management strategies tailored to each client's unique financial situation and goals, incorporating planning-based approaches, asset allocation, risk management, and ongoing portfolio reviews. His areas of expertise include college education planning, family wealth management strategies, corporate executive services, personal retirement planning, portfolio management, small business strategies, investment strategy for individuals and corporations, tax minimization, and services for endowments, foundations, and non-profits. Sungmin holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Johns Hopkins University. He is committed to building long-term client relationships grounded in trust, integrity, and quality service. Outside of his professional work, Sungmin enjoys fishing, football, golfing, music, spending time with his family, and traveling. He emphasizes accessibility, knowledge, and experience as core to his client relationships and strives to help clients make informed financial decisions throughout their lives.

Gail Miller is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and over 42 years of industry experience. She has worked at Wells Fargo Advisors since 2022 and was previously with Wells Fargo Clearing and Morgan Stanley DW Inc. Miller is a 50% owner of Miller Wealth Managers, LLC, a financial practice based in Hackensack, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm provides various specialized planning services and integrates advisory offerings with other financial products and referral channels.

Joseph Modero is a Series 66 licensed financial advisor at Wells Fargo Advisors with 19 years of industry experience. He previously worked at UBS Financial Services and served as a self-employed consultant before joining Wells Fargo Clearing Services LLC, where he worked for six years. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm utilizes proprietary research and planning tools to develop tailored recommendations, delivering services through discrete planning engagements.

Raywattie Persaud is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and forward-looking capital market analysis.

Jacob Giannelli is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has previously worked at Cheetah Clean and Dunham's Sporting Goods. Prior to his advisory career, he spent six years at Western Kentucky University. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial and capital markets solutions.

Frank Chou is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 designations and has 30 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent two years at Morgan Stanley DW Inc. 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 offers brokerage and advisory solutions supported by extensive research and analytics and manages approximately $671 billion in assets through a large network of over 14,000 financial advisors.

William Narduzzi is a financial advisor with Cetera, holding the ChFC® designation and over 38 years of industry experience. His career includes roles at Metlife Securities, Mass Mutual Investors Services, and Securian Financial Services. Outside of his advisory work, he serves as a trustee volunteer for St. Johns Roman Catholic Church. Cetera Investment Advisers LLC supports a nationwide network of independent advisors and serves individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Thomas Thives is a financial advisor at Stifel with 42 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior work includes positions at Wells Fargo Clearing and Prudential Equity Group, LLC. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended to support client decisions.

Lily Domanski is a financial advisor at Morgan Stanley in Morristown, NJ, with 16 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at PNC Wealth Management and PRUCO Securities, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Xueping Crispo is a financial advisor at Merrill with Series 65 and Series 63 credentials and eight years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2009. 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, and institutional investors.

Thomas Dartnell is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at firms including Avantax and 1ST Global Advisors. In addition to his advisory role, he is a partner at Nisivoccia LLP, a certified public accounting firm, and is involved as an owner and investor in Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures and custodial relationships.

Frank Carbone Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, N.A. since 2010. His prior work includes roles at Woodland Trading Inc., Chegg Tutors, and Ideal Entertainment, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating a range of strategies including ESG considerations.

Lawrence Scovell is a CFP®-designated financial advisor with 11 years of industry experience, currently affiliated with Cetera. He has been with Cetera Wealth Services, LLC since 2014 and joined Cetera in 2023. Outside of his advisory role, he serves as a ski patrol instructor and is a finance advising board member for St. Francis de Sales RC Church, where he assists with budgeting and fundraising efforts. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with diverse program options across discretionary and non-discretionary authorities.

Joseph Sforza is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services, Pruco Securities LLC, and several talent and media agencies. Outside of his advisory role, he operates Navesink NJ Consulting, a landscaping and bookkeeping business. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Raymond Kostyack is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2021. Prior to that, he spent eight years at Morgan Stanley and six years at Morgan Stanley Private Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Matthew Turo is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at Delphi Wealth Management, Northwestern Mutual, and &PARTNERS. He also has experience working in educational settings and a retail business, Upmerch. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-sponsored financial planning agreements.

Michael Colledge is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and specializes in wealth management, financial planning, and portfolio advisory services. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, and individual and corporate investment strategy. Michael holds a Bachelor's Degree in Economics from Dickinson College and has certification in Financial Management from the Donald T. Regan School of Advanced Financial Management. He has also completed specialized executive training programs at the University of Pennsylvania's Wharton School of Business. Michael has been recognized on the Forbes "Best In-State Wealth Advisors" list multiple times, including consecutively from 2019 through 2026. He holds the professional designation of Personal Investment Advisor (PIA) and has been involved with the Villanova University School of Business Finance Department as a member of its Past Advisory Council. Outside of his professional career, Michael is involved with the Lumen Institute. He resides in Denville, New Jersey, with his wife, Alicia, and their two daughters, Victoria and Madeleine. His personal interests include adventure sports, football, golfing, music, singing, spending time with family, and traveling.

Cameron Evans is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and with 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Cantor Fitzgerald & Co., DB USA Core Corporation, and Deutsche Bank Securities Inc. He has been with Morgan Stanley since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Juan Alzate is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Citigroup, Merrill, and Bank of America. Outside of his advisory work, he has ownership in a rental property business. 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 both brokerage and advisory solutions.