Carlos Couto is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Couto is active in community and business organizations, serving as President and board member of the Portuguese American Chamber of Commerce of New Jersey and Treasurer and board member of the Ironbound Business Improvement District. He has also participated in the Newark Mayor-Elect Transition Team for budget and finance matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to both individual and institutional clients, including customized financial planning supported by firm-approved tools and structured planning processes.

Ruhi Unwalla is a financial advisor at J.P. Morgan Securities with five years of industry experience. She has held roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at ASK Wealth Advisors and Redbridge - Debt & Treasury Advisory. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Galgano is a financial advisor with LPL Financial in Franklin Lakes, NJ, holding a Series 66 designation and 18 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc., with over 16 years at those firms. He is also involved with G2 Financial LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches and incorporating research and model portfolios from various sources.

Helen Fernandez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining Charles Schwab in 2022, she worked at Citigroup for nine years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts. The firm is notable for its large client base, integrated operational structure, and multi-asset investment guidance.

Francis Giordano is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cantor Fitzgerald Securities and NatAlliance Securities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and operates as a broker-dealer, investment adviser, and futures commission merchant.

Michael Werfel is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at METLIFE Securities Inc from 2005 to 2017. Werfel serves on the board of directors for the Kiwanis Club of Pascack Valley, a charitable organization focused on local community support and fundraising for children's programs. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars.

William Hunt III is a financial advisor at LPL Financial with 19 years of industry experience. He previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 11 years. In addition to his advisory role, he serves as a firefighter and treasurer for the Mahwah Fire Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Maria Cunningham is a financial advisor at Merrill with 36 years of industry experience. She has been with Merrill since 2005 and holds Series 63 and Series 66 credentials. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies designed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marta Threlfall is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 66 and Series 63 credentials and nine years of industry experience. She previously worked for Blackrock Investments, LLC from 2016 to 2025 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley in 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Lawrence Perl is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he manages two vacation rental properties in Cambria, California. 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 supported by structured planning tools and proprietary investment modeling.

Patricia Ela is a financial advisor at Cetera with 36 years of industry experience. She holds a Series 65 designation and has been with Cetera Wealth Services, LLC since 2013, continuing with Cetera since 2023. She is the owner of Ela Financial Group, Inc., a financial planning practice, and serves as board president of a local homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating as a multi-manager platform with discretionary and non-discretionary options.

John Benigno is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to that, he worked at Bank of America, N.A. and Merrill from 2016 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis methods such as Monte Carlo simulations to support its planning process.

Maryann Lyon is a Series 66-licensed financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2009 and also has a longstanding association with Bank of America, N.A. since 2004. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Stacey Smith is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to assist clients in financial decision-making.

Jason Elfenbein is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Merrill since 2009 and with Bank of America since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Anthony Cingire Jr. is a financial advisor with OSAIC, holding a Series 63 designation and 33 years of industry experience. He previously worked at Lincoln Financial Advisors for over 28 years. In addition to his advisory role, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers through multiple advisory platforms.

Amanda Gravina is a Financial Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Planning Consultant at Fidelity Investments from 2020 to 2024. In her current position, Amanda partners with clients to build and establish personalized financial plans tailored to their unique goals. She focuses on creating and maintaining relationships with individuals and their families to help them feel confident in growing and protecting their wealth. Outside of her professional work, Amanda has interests that include cooking and baking, family activities, fitness, food, and Pilates.

Joseph Coniglio is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has been with LPL Financial since 2006 and also operates Joe Coniglio Wealth Management, LLC for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2012. In addition to her advisory role, Moore is involved in the sale of home security and automation products and other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides discretionary portfolio management supported by BNY Mellon Advisors and Pershing for trade execution and custody.

William Schwartz is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 credential and eight years of industry experience. He previously worked at UBS Financial Services, Inc. and Amalgamated Bank. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety 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 provides services both directly and via corporate agreements.