Matthew Decrosta is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates various investment strategies and institutional resources in its offerings.

Michael Metzger is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Ameriprise since 2016. Outside of his advisory role, he is involved in entrepreneurial ventures including indoor laser tag and hatchet throwing entertainment facilities in New Jersey. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized consulting team in partnership with its financial advisors.

Michael Pfenninger is a financial advisor at Raymond James Financial with eight years of industry experience. He holds a Series 66 designation and has worked at multiple firms, including Mass Mutual Investors Services and Merrill. Outside of Raymond James, he is involved with Eagle Rock Wealth Management and Greenberg and Rapp Financial Group in advisory and non-variable insurance sales roles. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and maintains unique municipal advisory capabilities alongside its other advisory programs.

Justin Raho is a financial advisor with UBS Financial Services in Florham Park, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2006. Outside of his advisory role, he serves on the board of directors and finance committee for Summit Speech School, which provides educational services to children who are hearing impaired. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Andrea O'Donnell is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and having seven years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A., JPMorgan Securities, LLC, and JP Morgan. Prior to her financial services career, she was associated with Playa Bowls and Boston College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and informed market estimates to support its financial planning services.

Ying Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management in Paramus, New Jersey. She has over 30 years of experience in accounting, financial analysis, corporate budgets, and financial services. She joined Merrill in 2007 and focuses on providing personalized wealth management strategies to high-net-worth individuals, families, small business owners, non-profit organizations, and international corporations. Ying specializes in corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Ying holds a Master's degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor's degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is fluent in English and Chinese and emphasizes a process-oriented, personalized approach to building long-term trust relationships with her clients. Residing in Paramus, New Jersey, Ying resides with her husband and son. Outside of her professional duties, she enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. Ying's philosophy is to collaborate one-on-one with clients to develop personalized financial strategies designed to pursue their long-term goals.

Christian Graff is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 10 years of industry experience. He has been with UBS Financial Services since 2016 across various roles. Graff has a dormant affiliation with the Family YMCA in McKinney, Texas. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Derek Levy is a financial advisor at Morgan Stanley with 24 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. He serves on the board and finance committee of The Jewish Home Family Foundation, a health and welfare nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Ruba Zorob is a Planning Consultant at Fidelity Investments. In this role, she focuses on building trust and understanding client needs to help develop personalized financial plans. She collaborates closely with advisors to support clients in working towards their financial goals. Prior to her current position, Ruba worked as an Investment Counselor at Fisher Investments from 2021 to 2022. She also has experience as an Investment Analyst at Merrill Lynch, where she worked from 2017 to 2021.

David Prushan is a financial advisor at Cetera with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated firms since 2005. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Morgan Burklow is a financial advisor at Raymond James Financial with 16 years of industry experience. He holds a Series 66 designation and previously worked for Ameriprise Financial Services, LLC for 15 years. Burklow also operates a financial planning business through Burklow & Burklow, LLC, where he is involved in operations, staffing, and training. 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, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports institutional consulting and portfolio management through a large advisor network.

Anthony D Amico is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. His work history includes roles at Cetera Wealth Services, Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. He has also engaged in fixed insurance sales as an independent contractor. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Sean Clare is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and previously worked at Merrill from 2006 to 2019 before joining Fidelity Brokerage Services LLC in 2019. Sean has been with Fidelity Investments since 2025. Fidelity’s Strategic Advisers LLC, where Sean is affiliated, offers investment management and advisory services to a diverse client base including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios from a broad investable universe.

Seth Hillman is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 20 years of experience serving clients in various aspects of wealth management, including college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Seth holds the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp and the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree from the University at Buffalo. He resides in Glen Rock, New Jersey, with his wife Rayna and their two children.

Kevin Kautzmann is a CFP® professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and previously worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he is involved in independent insurance sales through his ownership and representation in related entities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and diversified portfolios using stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Joseph Rossano is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 66 licenses and four years of industry experience. He has previously worked at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. Outside of his advisory role, Rossano serves as a firefighter for the City of Hoboken, New Jersey. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

John Flayderman is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a broad range of clients, including individuals, institutions, and municipal entities, offering both brokerage and advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

John Dikun is a CFP® with 26 years of industry experience, currently affiliated with LPL Financial. He has been associated with LPL Financial and its predecessor entities since 2000 and has been operating his own CPA firm since 1989. In addition to his advisory work, he maintains an active CPA practice providing tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diversified investment strategies.

Michael Susini is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. 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 solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Nicholas Gariano is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked at Disney and ESPN. He also operates Gariano Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, overseeing more than $256 billion in assets through a network of over 10,000 advisors.