Maria Maus is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Cetera Wealth Services since 2013 and joined Cetera in 2023. In addition to her advisory role, she works as an independent insurance agent specializing in fixed annuities and life, accident, and health insurance. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving a nationwide network of independent advisors and a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management services and access to third-party managers through a multi-manager platform with over $256 billion in assets under management.

Benjamin Kozera is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, N.A. since 2020. Kozera serves as a board member for The Susie Foundation, a charity focused on children, youth, economic assistance, and medical support. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a discovery process but does not provide individual security recommendations as part of standalone planning services.

Marie Pascale is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following six years at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenarios to support its services.

Jared Di Pietro is a financial advisor at Morgan Stanley with Series 63 and Series 66 licenses. He has held positions at several firms, including JPMorganChase and Prosek Partners, and began his current role in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by proprietary planning tools and a structured discovery process.

Henriette O'Connor is a financial advisor with RBC Capital Markets holding a Series 63 designation and 39 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining RBC Capital Markets in 2025. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs tailored to clients’ risk profiles, utilizing a combination of in-house and third-party investment managers along with discretionary and non-discretionary portfolio management services.

Jaime Guzman Jr. is a Financial Advisor at Merrill Lynch Wealth Management. He collaborates with a dedicated team of specialists to address the complex financial challenges faced by families and businesses. His approach includes managing investments and liabilities to develop tailored strategies that align with his clients' priorities and goals. Jaime leverages the research and investment capabilities of Merrill, along with the banking resources of Bank of America, to provide personalized financial services. With over 15 years of experience in the banking and finance industry, Jaime focuses on areas such as college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible investing, women and wealth, tax minimization, and retirement income. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jaime earned his High School Diploma from North Bergen High School and communicates fluently in English and Spanish. Beyond his professional responsibilities, Jaime is involved in community activities such as supporting the Latinos of Fair Lawn and participating in organizations like Alpha, the Fair Lawn Chamber of Commerce, the Fair Lawn Latin Heritage Committee, and Hola. He is also a dedicated husband and father of two boys, with personal interests that include baseball, cooking, drawing/sketching, pickleball, reading, spending time with family, and traveling.

Michael Defilippis is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, and Fidelity Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies across diverse asset allocations.

Christina Leonelli is a Series 66-licensed financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley since 2015. 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 utilizing firm-approved planning tools and a structured discovery process.

Bryan Nunberg is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in providing goals-based wealth management to affluent families, accomplished professionals, and successful business owners. Since beginning his career in 1992, Bryan has focused on delivering customized financial strategies that simplify the lives of his clients, guided by time-tested investment planning principles and a disciplined wealth management process adaptable to changing economic conditions. Bryan’s expertise encompasses legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, and retirement income. He works closely with clients to understand their unique needs, concerns, and priorities, developing personalized financial strategies to help them pursue long-term goals. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Kean University. Residing in Bergen County with his wife and three children, Bryan is active in his community, coaching lacrosse. He is an automotive enthusiast with a particular interest in exotic and muscle cars. His personal interests include golfing, ice skating, swimming, volleyball, spending time with family, and watching movies.

Albert Garcia is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked at American Federal Mortgage, BJ's Wholesale Club, and Prudential Financial, Inc. Outside of his advisory role, he is involved in property management through ownership of a real estate business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 research.

Gregg Woolven is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at several firms including Wells Fargo Clearing and Morgan Stanley. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Gregory Keefer is a financial advisor with Morgan Stanley in Greenwich, CT, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with a residential co-op in Larchmont, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured processes and firm-approved tools.

Kathryn Lefever is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. Her background includes roles at Morgan Stanley since 2024 and experience in education at institutions such as Georgetown University, Rye Country Day School, and Hommocks Middle School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside a range of investment and financial services.

Anthony Annunziata is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 25 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities, Inc. from 2015 to 2017. Outside of his advisory role, he is a member and owner of Nunzi Kim LLC, managing administrative support and associate expenses. 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 ongoing financial planning, asset management, and educational seminars, structuring financial planning engagements as annual, collaborative relationships that focus on goal analysis and written recommendations.

Mo Fahimi is a financial advisor at Raymond James & Associates with 20 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2016. Fahimi previously managed a rental property in the United Kingdom before relocating to the United States. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Charlotte Fargis is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation. She joined Morgan Stanley in 2024 after completing her education at Southern Methodist University. Prior to her current role, her experience includes teaching positions at Northern Highlands Regional High School and Ho-Ho-Kus Public School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through financial advisors and specialized planning groups.

Elaine Lin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has worked at various J.P. Morgan entities since 2006, including JPMorgan Chase Bank, N.A., and J.P. Morgan Securities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As part of J.P. Morgan, the firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Lisbel Rosario is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 10 years of industry experience. Her prior work includes roles at Community Capital NY, the Charter School of Educational Excellence, Pelham Plumbing & Heating Corp., and PFS Investments Inc. Outside of advising, she serves as an administrative assistant for the City Schools Sports Association. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based recommendations and discretionary management options.

Lisa Dodge is a financial advisor at Morgan Stanley with the Series 66 designation and seven years of industry experience. She has been with Morgan Stanley since 2018, having previously worked there from 2003 to 2018. Outside of advising, she and her husband are involved in managing a second home in Maine that they rent to their daughter and her fiancé. Morgan Stanley Wealth Management serves individual and institutional clients by offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment research to support its advisory services.

Millie France is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 66 licenses. She has 16 years of industry experience and previously worked with Cetera Investment Services and Foresters Financial Services. In addition to her advisory role, she is an insurance agent with Vanbridge Insurance Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party strategies, supported by advanced operational and research tools.