Jeffrey Gravenhorst is a financial advisor with UBS Financial Services, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Lawrence Siliato is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 42 years of industry experience. His career includes nearly four decades at Metlife Securities Inc. before joining Mass Mutual in 2016. He is also involved in health and group insurance sales through a non-MassMutual brokerage. Mass Mutual Investors Services, LLC 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, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved analytical tools.

Timothy Coughlin is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at JPMorgan Chase Bank NA for nine years before joining UBS in 2026. He holds Series 63 and Series 65 registrations. 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 and provides access to proprietary research and affiliated banking programs.

Yash Dalal is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Dalal serves as a board member for the Asha-Vijay Foundation, a private nonprofit organization. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets and utilizing a structured planning process supported by firm-approved tools.

Leila Ross is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She previously worked at Merrill for 12 years and Private Portfolio Partners for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Christopher Mazzatta is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and is based in Paramus, NJ. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Berlamino is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been associated with Genworth Financial Securities Corporation since 2005 and has operated his own CPA firm providing tax and accounting services since 1995. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment management and financial planning services through a large network of advisors, utilizing both affiliated and third-party managers across multiple program structures.

Antonio Competiello is a financial advisor with OSAIC, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Fidelity Investments and Equitable. OSAIC Wealth, Inc. serves a wide range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of investment management tools and third-party platforms.

Isabella Bogdanos is a Financial Consultant currently working with Fidelity Investments since 2021. She has held several roles within the company, including Financial Consultant I and Planning Consultant, progressing to her current position in 2024. Prior to joining Fidelity Investments, Isabella worked as a Financial Consultant at Equitable Advisors from 2018 to 2021. Throughout her career, Isabella has focused on building relationships with clients to understand their financial goals and priorities. She collaborates with clients to develop personalized investment plans that address their needs and preferences, adjusting strategies as life circumstances change to provide ongoing support. Isabella's experience spans multiple years in financial consulting, with a consistent emphasis on client-centered planning. Additional information regarding her education, credentials, or personal interests has not been provided.

Samantha Awad is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2020. Prior to that, she was with Morgan Stanley Private Bank, N.A., from 2015 onward. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ryan Margolin is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and with 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with T3 Entertainment Group, LLC, an entertainment industry consulting and connecting company. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured planning tools and a range of investment products.

Kyle Kithcart is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Frances Heath is a financial advisor with UBS Financial Services and holds Series 63 and Series 65 credentials. She has 40 years of industry experience, including 25 years at UBS, where she has worked since 2001. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Peri Jacobowitz is a financial advisor at MassMutual Investors Services with 15 years of industry experience. She holds the Series 66 designation and has worked at MassMutual Investors Services since 2017, following six years at MetLife Securities. Outside of advising, she operates a retail business selling personalized gifts. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a collaborative, goal-oriented approach.

Robert Mosera is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at various Wells Fargo affiliates since 2009. Outside of his advisory role, he owns a 50% stake in Hillcrest Capital Advisors Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services tailored to clients who meet a net-worth threshold. The firm provides planning in areas including retirement, education, risk management, and specialized needs such as business-owner transition and special-needs analysis.

Gina Carosella is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1987 with Merrill Lynch and has built over three decades of experience in wealth management and banking. Gina works closely with clients including physicians, business executives, entrepreneurs, and other affluent individuals and families, developing personalized wealth management plans. Her expertise includes fixed income, banking, insurance, credit, and lending services. Gina attended California State Polytechnic College in Pomona, California, and completed the training program at the American Institute of Banking. She holds the Personal Investment Advisor (PIA) designation. A resident of Highland Lakes, New Jersey, Gina enjoys traveling and spending time with her family, friends, clients, and three dogs.

Anthony Napolitano is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping families and business owners by understanding their lifestyles and aspirations to simplify complex financial matters and provide actionable solutions. His practice integrates financial planning with disciplined investment management, supporting clients through wealth management, retirement planning, tax mitigation, and multi-generational wealth transfer. Anthony has a focus on assisting privately held business owners with customized retirement plans, collaborating with actuarial partners to optimize plan design. He also offers treasury cash management services to help businesses manage liquidity efficiently. His client expertise includes divorce transition planning, employee benefits planning, executive compensation, and defined benefit and contribution plans. He began his career in wealth management at Morgan Stanley and holds a Bachelor's Degree from Montclair State University. Anthony has earned the Chartered Retirement Plans Specialist (CRPS) and Personal Investment Advisor (PIA) designations. Outside of work, he is involved in lacrosse through Demarest Junior Norseman Lacrosse and volunteers with the Knights of Columbus.

Thomas Riordan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked within various Wells Fargo entities since 2010, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning services, utilizing proprietary research and tools to deliver tailored recommendations, with an emphasis on integrating advisory services alongside other financial products.

Henry Sackler is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved planning tools and a comprehensive investment approach.

Andrew Wedeen is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He has worked within Wells Fargo entities since 2009, including Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he holds a one-third ownership in Pronomic Wealth Management, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk, and wealth-transfer strategies. The firm uses proprietary research and planning tools to tailor recommendations, with clients deciding how to implement advice through brokerage or advisory programs.