Noel Muniz is a financial advisor at Morgan Stanley with 28 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Muniz holds Series 63 and Series 65 licenses and is based in Paramus, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Endre Pady is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and having 36 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and Corporate Financial Planning agreements.

Will Scholly is the Vice President and Branch Leader at Fidelity Investments, where he leads the Paramus Investor Center. He has held leadership roles at Fidelity since 2023 and has been part of the company since 2014. His professional experience includes positions such as National Planning Consultant, Financial Consultant, Investment Consultant, and Financial Representative at Fidelity Investments. Prior to joining Fidelity, he worked at PNC Investments and The PNC Financial Services Group, Inc., focusing on investment services and institutional investments. Throughout his career, Will has developed expertise in financial advising and branch leadership. His roles have involved coaching and inspiring financial professionals, contributing to the growth and development of his team. His experience spans over a decade in the financial services industry, emphasizing investment consulting and financial planning. The information provided does not include details about his education, credentials, personal interests, or community involvement.

John O'Neil is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with ultra-high-net-worth individuals, families, corporate executives, and business owners to develop sophisticated wealth management strategies aimed at achieving clients' stated goals and objectives. John holds a Bachelor's Degree from the College of the Holy Cross and a Master of Business Administration (MBA) from Boston College. He holds the Personal Investment Advisor (PIA) designation. John is involved in community organizations including the American Cancer Society, participating in the Northern New Jersey Golf Classic, and serves in a leadership role with the Oakland Braves Rec Football program.

Eugene Spitzer is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He worked at Ameriprise Financial Services, Inc. for three years before joining LPL Financial in 2019. Outside of his advisory role, he is involved with Preserve Land Company LLC, where he provides guidance on home construction and contractor matters. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Joseph Goscienski is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Alexander Patunas is a financial advisor with LPL Enterprise based in Paramus, NJ. He holds a Series 66 designation and has two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Before his financial advisory career, he held positions at Golf Galaxy and Campgaw Mountain Ski Area. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios as well as third-party asset management, combining advisory programs with a range of financial products including insurance.

Louis Tellone is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and previously worked at American Portfolios Financial Services, Inc. for nine years. Outside of investment advisory, he is the president and owner of Belmont Tax Service, an accounting and tax preparation business. OSAIC serves a diverse client base, including retail, institutional, and high-net-worth investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple platforms.

Jody Graber is a financial advisor with LPL Financial in Montvale, NJ, holding Series 63 and Series 66 credentials and over 31 years of industry experience. Prior to joining LPL Financial in 2025, Graber worked at IC Advisory Services Inc. and The Investment Center, Inc., and has been involved with Graber Agency, Inc. since 1977. Graber is also associated with Graber Agency Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory and financial planning services, including model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

Sean Greenhut is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His career includes roles at Charles Schwab Bank, SSB since 2023, Charles Schwab since 2022, and TD Ameritrade from 2016 to 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary client advisory models with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Matthew Zambito is a financial advisor with LPL Financial, holding a Series 63 designation and over 33 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 1998 and has operated Zambito Financial Service Corp. since 1993. In addition to his advisory work, he is also a CPA and provides tax preparation and non-variable insurance services through his financial services firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and consulting services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Patrick Grady is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailored to clients' risk profiles through a mix of in-house and third-party investment managers.

Rodney Alvarado is currently serving as a Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he provides ongoing coaching and support to associates to ensure they deliver consistent, high-quality guidance to clients through a holistic planning approach. Prior to this role, Rodney held leadership positions including Regional Vice President at Mercer Advisors from 2022 to 2024, Market Director of Wealth at J P Morgan from 2020 to 2022, and Branch Manager at Charles Schwab from 2019 to 2022. He also has extensive experience as a Financial Consultant, having worked at Charles Schwab from 2011 to 2019 and at Fidelity Investments from 2004 to 2011.

Robert Holman is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities, Merrill, SVB Wealth Advisory, and Morgan Stanley. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and retirement plan consulting, utilizing a variety of asset-allocation tools and third-party solutions to manage portfolios.

Brian Barker is a financial advisor with Charles Schwab holding a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, he has coaching roles in lacrosse and experience in the food service industry. He is actively involved as a lacrosse coach at multiple organizations, including LX20 Lacrosse Academy and Northern Valley Old Tappan High School. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by an integrated operational structure.

Tiffany Carra is a financial advisor with Primerica Advisors in Oakland, NJ, holding her Series 63 and Series 65 credentials and bringing nine years of industry experience. Her prior work history includes roles at Theodore Agelis Jr. LLC, Dual Mark Inc., and PFS Investments Inc., among others. She is also involved in selling non-investment products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven strategies developed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Richard Ragold is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Transamerica and Sanford Insurance Group. Outside of his advisory work, he is involved in residential real estate referrals through Realty Executive Group. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Jason Borrelli is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 2003, progressing through roles including Financial Planning Consultant, Investments Representative, and Customer Service Representative. Prior to joining Fidelity, he worked as a Portfolio Administrator at Bank of New York from 2001 to 2003. Jason focuses on building long-term relationships by providing thoughtful guidance tailored to each client's unique financial situation. He emphasizes careful listening and aims to be a trusted resource in helping clients navigate financial decisions and develop personalized plans aligned with their goals. Outside of his professional responsibilities, Jason enjoys baseball, family activities, hiking, and skiing.

Subin Alexander is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, following five years at JP Morgan Chase Bank NA and JP Morgan Securities LLC. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market scenario modeling.

Daniel Smith is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 24 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is involved with FTBO, Inc., an organization that assists local families with education and health-related expenses. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.