Thomas Veth is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 36 years of industry experience. He has held roles at B. Riley Wealth Management, National Asset Management, and National Securities Corp. Outside of advisory work, Veth operates a CPA firm focused on tax preparation and consulting and serves as a notary public providing complimentary services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing more than $256 billion in assets.

Alan Spierer is a financial advisor with UBS Financial Services in Westfield, NJ, holding the Series 63 and Series 65 licenses. He has 38 years of industry experience, including 33 years with UBS. Outside of his advisory role, he serves as treasurer for a martial arts club soon to be incorporated and participates in the Retirement Advisor Council, which advocates for qualified plan and participant retirement outcomes. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor investment plans.

Blake Burchill is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, he held roles at 22V Research and Discovery Land Company. He also has a background in education, having worked at Bucknell University, Brunswick School, and Fairfield Country Day. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining model-based asset allocation and proprietary research to tailor plans to clients’ goals and risk tolerances. The firm offers a broad platform that includes trading capabilities, wealth management, and affiliated banking services.

Meghan Modafferi is a Financial Consultant at Fidelity Investments, where she collaborates with individuals, families, and businesses to develop personalized investment strategies and comprehensive financial plans. She has been with Fidelity Investments since 2017, progressing through roles including Financial Representative, Relationship Manager, Planning Consultant, and currently Financial Consultant. Throughout her tenure at Fidelity Investments, Meghan has gained experience in financial planning and client relationship management. She focuses on creating tailored financial solutions that align with her clients' goals. Outside of her professional work, Meghan enjoys biking, golf, skiing, snowboarding, and spending time with her pets.

Anthony De Lillo is a financial advisor at Morgan Stanley with six years of industry experience and a Series 66 designation. Before joining Morgan Stanley, he worked at Hightower Advisors and Equitable, among other firms. Outside of finance, he has experience in entrepreneurship through his involvement with The Taco Project Restaurant. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and does not provide individual security recommendations as part of its standalone planning program.

Loretta Vitale is a financial advisor at Raymond James Financial with 44 years of industry experience. She holds Series 63 and Series 65 credentials and has been associated with Raymond James in various capacities since 2009. Outside of her advisory work, she serves as a board member involved in homeowners association activities related to property maintenance and improvements. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and utilizes analytical tools to support client goals.

Eric Kohlmeier is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 combination of brokerage and advisory solutions supported by research and analytics.

Christopher Papadopoulos is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His previous roles include work at Bank of America, Stone Engineering & Architecture, and academic positions at Fordham University and Manhasset High School. Merrill, along with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Demsey is a financial advisor with Edward Jones in Jersey City, NJ. He holds the CFA® designation and Series 66 license and has been with Edward Jones since 2022. Prior to that, he worked at Wells Fargo Bank from 2010 to 2022. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Albert Merz is a financial advisor with Edward Jones in Monmouth Junction, NJ, holding Series 63 and Series 66 credentials and possessing 30 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions through a large network of financial advisors and branch offices nationwide.

Kimberlyann Higgins is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

William Bjerke is a financial advisor with UBS Financial Services in Weehawken, NJ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with UBS Financial Services since 2005. UBS Financial Services 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, leveraging proprietary research and model-based asset allocations to tailor financial plans.

Martin Jawor is a financial advisor with Equitable Advisors in Basking Ridge, NJ, holding CFP®, ChFC®, and Series 66 credentials and 14 years of industry experience. He has worked at Equitable Advisors since 2018 and previously held roles at AXA Advisors, Valic Financial Advisors, and Cetera Wealth Services. Outside of his advisory role, he is president and owner of Benefits Institute, LLC, providing group health and property & casualty insurance to small businesses, and serves as a trustee for the Society Hill of Bernards Homeowner's Association. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, delivering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm offers a range of advisory programs, including firm-offered and third-party solutions, covering mutual funds, ETFs, separately managed accounts, select alternative investments, and ERISA fiduciary services without sponsoring its own wrap fee program.

Angelesia Ma is a financial advisor at UBS Financial Services with Series 66 credentials and one year of industry experience. Prior to joining UBS, she worked at FTI Consulting and has held academic roles at Vanderbilt University and Santa Clara University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering portfolio management, financial planning, and a range of investment products supported by proprietary research and institutional trading capabilities.

Dennis Surmanek is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill for five years before joining Wells Fargo Advisors in 2016. Outside of his advisory role, he serves as Vice President of Staten Island BNI, a local business networking organization. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk management, and niche services such as business-owner transition and special-needs planning. Advisors use Wells Fargo resources to develop tailored recommendations, with clients deciding how to implement them through various brokerage and advisory programs.

Karen Robbins is a financial advisor at UBS Financial Services with 30 years of industry experience. She has been with UBS since 2008 and holds Series 63 and Series 65 designations. Outside of her advisory role, Robbins serves as president and a member of the board of directors for the Women's Animal Center, an animal shelter and hospital. She is also a partner in Compass North Associates, LLC, involved in coordination of payroll and tax-related work for a grocery market. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and asset allocation models to tailor strategies to clients' goals and risk tolerances.

Andrew Byren is a Senior Financial Advisor with Merrill Lynch Wealth Management, based out of the New York, NY office. He joined Merrill Lynch in 2018 after graduating from the University of South Carolina in 2017. In his role, Andrew provides customized financial planning and solutions tailored to each client’s specific needs, considering factors such as risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. Andrew focuses on a variety of client areas including college education planning, family wealth management strategies, retirement income, legacy planning, and portfolio management services, among others. He employs a modernized, planning-based approach and leverages the resources and experience of the BMV Group to deliver comprehensive advice and service. He holds the Personal Investment Advisor (PIA) designation. Residing in Hazlet, New Jersey, Andrew enjoys baseball, basketball, football, chess, music, skiing, soccer, reading, spending time with family, and watching movies. He is involved with Covenant House as part of his community engagement.

Peter Kong is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds the Series 63 designation and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment strategies.

Timothy Wells is a Financial Advisor with Merrill Lynch Wealth Management, bringing over seven years of experience in financial services. He initially began his career at Merrill Lynch in Hunt Valley, Maryland, where he became fully licensed and specialized in trusts and estates. In 2020, he worked closely with fixed income traders at Bank of America in New York City before returning to Merrill Lynch Wealth Management in 2022 as a Financial Advisor at their Liberty Street office in New York. Timothy engages all avenues of Bank of America to develop and implement solutions for his clients, with a focus on trust and competency. His expertise includes working with executives, business owners, founders, and their families to build, protect, and preserve wealth through areas such as corporate benefits, equity compensation services, family wealth management strategies, and small business strategies. Timothy takes a proactive and client-centered approach, emphasizing listening and understanding clients' goals to provide clear, planning-focused guidance. He holds several FINRA registrations and professional designations including Accredited Wealth Management Advisor™ (AWMA), Chartered Financial Analyst® (CFA), and Certified Financial Planner® (CFP). Timothy earned a Bachelor of Science degree in Finance from Rochester Institute of Technology. He is a member of The Gow School Board of Trustees and is involved with The Gow School community. Outside of his professional pursuits, Timothy enjoys baseball, cooking, ice hockey, music, reading, traveling, and spending time with his family. He resides in Downtown New York City.

Tamal Majumdar is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 registrations and 23 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, Majumdar is also an insurance agent specializing in individual and group life, health, disability income insurance, fixed annuities, and property/casualty insurance. 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 offers financial planning, asset management, wrap and money-manager programs, and educational seminars.