Miroslav Pouev is a financial advisor with J.P. Morgan Securities in Westwood, NJ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2007. 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. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering its services through a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

Matthew Higgins IV is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior work includes roles at Peoples United Bank and Ramapo College. He is also involved in outside insurance sales, focusing on life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing comprehensive financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes structured, collaborative annual planning engagements and offers various programs including asset management and educational seminars.

Henry Senger III is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has been with UBS Financial Services since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary research and model-based asset allocations tailored to clients' goals and risk tolerances.

William Downey is a financial advisor at Fidelity with 20 years of industry experience and holds the Series 66 designation. His prior experience includes roles at JP Morgan Chase Bank and JP Morgan Securities LLC. He has been associated with various Fidelity affiliates since 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to registered investment companies, use of advanced technologies in research, and established governance procedures.

Maurice Davis is a Series 66-licensed financial advisor with Morgan Stanley in Paramus, NJ, where he has worked since 2009. He has 29 years of experience in the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and scenario modeling.

Bari Venetsky is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. She has worked at Merrill since 2009 and has been affiliated with Bank of America, N.A. since 2006. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Monks is the sole advisor and managing member of CTM Financial, LLC, an independent registered investment adviser based in Mahwah, NJ. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, leading CTM Financial since 2002. CTM Financial provides portfolio management and advisory services to a small client base that includes individual investors and corporate clients. The firm offers separately managed accounts and utilizes derivatives in some strategies to manage exposures, distinguishing itself as a boutique, one-advisor practice with a specialized approach.

Steven Bruce Miller is a CFA® charterholder with 10 years of industry experience. He is the principal advisor at Kingston Horizon Advisors LLC, having previously worked at Morgan Stanley Private Bank and Morgan Stanley for a combined 10 years. Outside of his advisory role, he is the sole owner of Jamaica Island Honey Limited, an agro-processing business. Kingston Horizon Advisors LLC provides investment advisory and financial planning services to pension plans, businesses, non-profit and government entities, trusts, families, and individual investors. The firm typically builds diversified, long-term oriented portfolios tailored to client goals, using both fundamental and technical analysis, and offers distinctive retirement plan advisory and pension-consulting services uncommon among firms of its size.

Carl Chaikin is the sole advisor at Chaikin Capital Management Inc., an independent registered investment adviser based in Woodcliff Lake, NJ. He holds a Series 63 designation and has 20 years of industry experience, having operated his firm since 1990. Chaikin Capital Management provides discretionary portfolio management and investment advisory services to a small group of individual clients. The firm manages approximately $55.8 million in assets across about 15 client relationships, focusing on a concentrated client base and employing performance-based fee arrangements.