Timothy Loeffler is a CFP®-certified financial advisor with 11 years of industry experience, currently with MassMutual Investors Services since 2017. He previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is an independent insurance agent, focusing on life, fixed annuities, disability, long-term care, health, and property/casualty insurance, as well as life settlements. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning using firm-approved tools and delivers written recommendations, with additional programs including estate settlement and employer-sponsored planning.

Jose Martinez is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Certified Financial Services and the UFCW National Health & Welfare Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Wendy Holmes is a financial advisor with UBS Financial Services in Armonk, NY, holding Series 63, 65, and 66 licenses and totaling 24 years of industry experience. She has been with UBS since 2015. Outside of her advisory role, she serves on the Board of Directors for East Side House Settlement, participates on the advisory board of the Breast Cancer Research Foundation, and holds leadership positions with the American Heart Association, including chairing the 2020 Go Red luncheon and serving on its national endowment investment committee. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, using proprietary research and model-based strategies to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and principal trading.

Michael Kouroupakis is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, primarily with MassMutual and its affiliates since 2021. Outside of advisory work, he is also an independent insurance agent focused on life insurance, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships without discretionary authority over client investments.

Nicholas Ingram is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Citi Private Alternatives, LLC and Citigroup Global Markets prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, incorporating ESG frameworks and offering derivatives and commodities capabilities through affiliated entities.

Matthew Genovese is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Morgan Stanley since 2020 and previously worked at Maxim Group. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, supporting clients in developing tailored financial strategies.

Ryan Coombes is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Pruco Securities LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and Corporate Financial Planning agreements.

Americo Lisboano is the Senior Resident Director at Merrill, leading the Montvale, New Jersey office. He has been with Merrill since 1996 and brings extensive experience in wealth management, serving High Net-Worth investors with complex financial situations. Americo is committed to providing clients with sound financial advice, premier service, and extensive resources to help them achieve their financial goals. He manages discretionary portfolios through personalized or defined strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Americo holds the Chartered Retirement Planning Counselor™ designation, along with other professional certifications including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He assists clients in developing strategies to manage their personal and business assets and liabilities, considering their goals, time horizons, and risk tolerances. A graduate of Rutgers University, Americo has been active in the financial services industry since 1992. In addition to his professional work, Americo is involved in the community as a board member of the Bergen County United Way. He also has language proficiency in Portuguese and English.

Gregory Amerkanian is a financial advisor at UBS Financial Services with over 32 years of industry experience. He has previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is involved as a youth hockey coach at the Englewood Field Club and holds board positions at The Elisabeth Morrow School and the Armenian Church Endowment Fund. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and a broad range of financial products.

Anthony Mastronicola is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 40 years of industry experience. He has worked extensively with Prudential Insurance Company of America and Pruco Securities, LLC from 1991 until joining LPL Enterprise in 2024. Outside of advisory work, he is involved in selling home and auto insurance through various property and casualty firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers and wrap programs while also facilitating insurance product sales through affiliated entities.

Melissa Levine is a CFP® with 40 years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked with Voya Financial Advisors and operates her own financial services entities, including Melissa Levine & Co and Plan4Goals. Outside of financial advising, she is also a sales associate for essential oils with doTERRA. Cetera Investment Advisers LLC is a large SEC-registered firm that offers a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a range of portfolio management, financial planning, and consulting services through a network of over 10,000 advisors and manages more than $256 billion in assets.

Victoria Meo is a financial advisor at Edward Jones with eight years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Edward Jones in 2018, she worked for Main Street Title & Settlement Services LLC from 2001 to 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 advisors.

Tivan Szigethy is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at TIAA-CREF and Wells Fargo NA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves a diverse client base through discretionary and non-discretionary advisory offerings.

Matthew Pioli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2014, including a position at Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and research-based models to support its financial planning services.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Michael Valenza is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at HSBC Securities, HSBC Bank USA, and Morgan Stanley Private Bank. He has been with Charles Schwab since 2020. 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, offering both non-discretionary and discretionary investment guidance with a multi-asset model portfolio approach.

Christine Maushardt is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. She has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. She operates WATERSEDGE WEALTH MANAGEMENT as a business related to her work with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of advisory services through a large network of independent advisors.

India Bowser is a financial advisor at Morgan Stanley with seven years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Bank of America, Merrill, and JPMorgan Securities LLC. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer Corporate Financial Planning agreements.

Mark Cinotti is a Series 66-credentialed financial advisor with 14 years of industry experience. He has worked at Ameriprise since 2020 and previously spent nine years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in a family-owned LLC that was established for real estate management but is no longer active. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrea Rothberg is a financial advisor with UBS Financial Services in New Rochelle, NY, holding a Series 66 designation and having 17 years of industry experience. She has been with UBS since 1989. Outside of her advisory work, Rothberg is involved in guiding decision-making activities at the Pelham Jewish Center, focusing on synagogue management and community programming. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of products and services including portfolio management, financial planning, and capital markets solutions.