Krzysztof Przywara is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Securities, Citizens Securities, and Uber. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary strategies supported by analytical modeling and offers specialized advisory programs such as municipal and SIMPLE IRA Employer Advisory services.

Diane Rothberg is a financial advisor with Stifel in Morristown, NJ, holding the CFP® designation and Series 63 and 66 licenses. She has 35 years of industry experience, including 11 years with Stifel Nicolaus & Co Inc. Stifel serves a broad range of clients, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Gaurang Pandya is a CFP® certificant with seven years of industry experience, currently affiliated with Cetera. His prior experience includes a 25-year tenure at Prudential Financial Inc. and roles at Allied Wealth Partners and Securian Financial Services. Outside of advising, he serves on the board of his condominium association, volunteers as a driver safety instructor and speakers bureau member for AARP, and participates on the CFP Board of Standards’ Disciplinary Enforcement Committee hearing panel. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm provides portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform with both discretionary and non-discretionary options.

Joel Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience in the financial services industry, having joined Merrill Lynch in 2016. Joel focuses on understanding the priorities of high-net-worth individuals and families and delivering personalized financial strategies to support their goals. His expertise encompasses a wide range of financial planning areas, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. Joel works with clients to develop customized approaches involving equities, fixed income, alternative investments, options, ETFs, and other investment types, while also providing access to banking, credit, and lending services through Bank of America. He holds Series 3, 7, 63, and 65 FINRA registrations. Joel earned a Bachelor’s degree in Business Administration from the University of Delaware. He is actively involved in his community, having served as the President of the Bedminster Far Hills Little League, reflecting his commitment to local engagement.

Andrew Kowitski Jr. serves as a Senior Financial Advisor and Portfolio Manager, holding the Sports and Entertainment Accredited Wealth Management Advisor™ designation. He works within Merrill Lynch Wealth Management, where he applies a consistent approach developed through years of experience navigating multiple market fluctuations. Andrew collaborates closely with clients to build personalized investment strategies that align with their financial goals and changing market conditions. He specializes in family wealth management strategies, portfolio management services, and focuses on clients in the sports and entertainment sectors. Andrew customizes his strategies around clients' priorities, risk tolerance, time horizons, liquidity needs, and objectives. He is committed to Merrill's goals-based wealth management process to help clients pursue meaningful objectives, including lifestyle aspirations and securing a lasting legacy. Andrew holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He completed his high school education at Spotswood High School and earned an Associate's Degree from Middlesex County College. Additionally, he attended Kean University without conferring a degree. Outside of work, Andrew enjoys spending time with his family, swimming, and woodworking.

John Cusate is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and having 37 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm provides a broad range of services including fee-based financial planning, discretionary portfolio management, and capital markets activities.

Mark Singh is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., AXA Advisors, LLC, and GWN Securities, Inc. Outside of finance, he has been involved with 1st Class Entertainment & Productions LLC as an artist and musician since 1999. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and a range of brokerage and insurance products.

Lauren Chanley is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and over 19 years of industry experience. She worked at Goldman Sachs & Co. LLC from 2004 to 2023 and joined Equitable Advisors in 2024. Outside of her advisory role, she serves as a trustee for a family trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Barry Guariglia is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Michael Castracucco is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with eight years of industry experience. His prior roles include positions at Wells Fargo Clearing and B Adams Holdings, as well as employment at the University of Scranton. He also has work history with Sywanoy Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a comprehensive range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis techniques.

Joe Lentine is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He focuses on understanding the individual needs and objectives of each client to build tailored plans that support their financial well-being. Joe has been with Fidelity Investments since 2021, progressing from Financial Representative to Investment Consultant, and currently serving as a Financial Consultant. Prior to joining Fidelity, he worked as a Registered Representative at New York Life from 2019 to 2021. Outside of his professional role, Joe enjoys fishing, golf, horseback riding, and soccer.

Meegan Engles is a financial advisor at UBS Financial Services in Morristown, NJ, with 29 years of industry experience. She holds Series 63 and Series 66 designations and has worked at UBS Financial Services for over 20 years, with a three-year period as a stay-at-home mother. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Gregory Vassallo is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 37 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at Axa Advisors, LLC. Outside of his advisory role, he is involved in an insurance brokerage business, R.I.C.H. Planning Group, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Lindsay Boitel is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 license and eight years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of her advisory role, she has a decade-long involvement with Long Hill Township Public Schools. Morgan Stanley Wealth Management delivers advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm uses structured planning tools and scenario modeling to support client financial plans, primarily acting in an advisory capacity.

Joseph Hendrick is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2009. In addition to his advisory work, he is involved in the sales of fixed life, health, disability, fixed annuities, and long-term care insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Khoury is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. His current roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside its Global Investment Committee’s research to support its planning process.

Louis Mancinelli is a financial advisor at LPL Financial with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Cadaret, Grant & Co., Inc. and Securities America Advisors. Outside of his advisory role, he is engaged in insurance sales of life, health, and long-term care products through Highland Capital Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Susan Fakes is a financial advisor with Ameriprise in Bedminster, NJ, holding a Series 66 designation and 11 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2016. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines investment research and algorithmic tools to provide written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Victoria Calandra is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she was with Northwestern Mutual and spent a decade as a full-time student. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, delivering financial planning through a structured process that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services.

Lauren Legband is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She worked at AXA Advisors, LLC for one year before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, utilizing structured discovery processes and firm-approved planning tools.