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 credentials and 17 years of industry experience. He has worked at Genworth Financial Securities Corporation since 2005 and has operated his own CPA firm specializing in accounting and tax services since 1995. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated third-party managers.

Antonio Competiello is a financial advisor at OSAIC with three years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments and Equitable. His background also includes roles at Bergen County Security and teaching positions at Bergen Community College and William Paterson University. OSAIC Wealth serves a diverse group of retail and institutional clients through a multi-advisor platform offering comprehensive financial planning, advisory services, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and multiple management strategies.

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 with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Wells Fargo Clearing and Citigroup Global Markets. He has a 50% ownership interest in Hillcrest Capital Advisors Inc., an outside business activity unrelated to his brokerage work. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions with investment and fee-based financial planning services, offering a broad range of planning options that address cash flow, retirement, education, risk, wealth transfer, and specialized needs such as business-owner transition and divorce planning. Advisors use proprietary research and planning tools to develop tailored recommendations, with clients choosing how to implement them.

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 at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors since 2023, following seven years at Wells Fargo Clearing and a year at Chase Investment Services Corp. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients having flexibility in how they implement recommendations.

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 holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016 before joining Wells Fargo Advisors in 2025. He has a minority ownership interest in PRONOMIC WEALTH MANAGEMENT, LLC. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options tailored to clients meeting specific net-worth criteria. The firm integrates advisory services with other financial products and referral channels, delivering recommendations through personalized meetings and summary reports.

John Barchitta is a financial advisor with LPL Enterprise in Paramus, NJ, holding Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at The Prudential Insurance Co. of America, Pruco Securities, LLC, Equity Services, Inc, National Life, and Honeoye Falls Distillery. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and charitable entities, using model-driven investment implementation and offering access to third-party asset managers and financial planning services.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

Philip Paul is a CFP®-certified financial advisor with 20 years of industry experience, currently at Morgan Stanley in Paramus, NJ. His prior roles include positions at Bank of America, Merrill, Fairleigh Dickinson University, PNC Wealth Management, and Equitable Advisors. Outside of his advisory work, he serves as a committee member for the Summit Jewish Community Center, assisting with fundraising efforts through ad journal coordination. Morgan Stanley Wealth Management provides advisory services and financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets and employing structured planning tools such as Monte Carlo simulations and Secular Return Estimates.