Michele Madsen is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2016. Outside of her advisory role, Michele is a notary public. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Joseph Hutchinson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association, serving clients for over a decade before joining LPL Financial in 2022. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Darshi Jayawardena is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017, following 17 years at PNC Financial Services Group and PNC Investments. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Runa Kutty is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in a goals-based approach to wealth management, working closely with clients to understand their family dynamics, financial situations, and priorities. Using this foundation, she develops personalized, flexible financial strategies that adapt to evolving client needs and market conditions. Runa leverages the extensive global resources of Bank of America to support her clients in areas such as college education planning, executive compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and tax minimization. Runa holds a Bachelor's Degree from Columbia International University and earned her MBA from Duke University, The Fuqua School of Business, with concentrations in Investment Finance and Corporate Finance. She is also a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Beyond her professional work, Runa serves on the board of Friends of Runa Simi, a non-profit organization, and supports charities focused on art, education, and community development.

James Dambrosio is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to his current role at Cetera since 2019, he worked at Foresters Financial Services and serves as president and board member of the Cedar Hill Club. He also has experience as an emergency 911 dispatcher and has been affiliated with the Union County Police Department since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over $256 billion in assets under management.

Ted Beal Jr. is a financial advisor at Equitable Advisors with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 1999, including time at AXA Advisors. He serves as a board member of the MOESC Foundation, which raises funds to support autism initiatives in local school districts. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, utilizing third-party asset managers and LPL programs to tailor advisory solutions based on client goals and risk tolerance.

Mithilesh Pimpariya is a CFP®-certified financial advisor with 12 years of industry experience, currently with J.P. Morgan Securities in Red Bank, NJ. He has worked at JPMorgan Chase Bank, Bank of America, Merrill, and PNC Investments. Outside of his advisory role, he is a passive owner of an e-commerce business selling household products on Amazon. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

David Gallello is a financial advisor at Fidelity with 14 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its systematic investment approach, regulatory registrations, and advisory roles to multiple registered investment companies.

Walter Henry is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and having 22 years of industry experience. He worked at UBS Financial Services and UBS Bank USA from 1999 to 2022 before joining Morgan Stanley in 2022. 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, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and offers a broad selection of retail and institutional investment services.

Thomas Capozzi is a financial advisor at Equitable Advisors with a Series 66 credential. He has been with Equitable Advisors since 2026 and has prior experience at several organizations, including Raider's Walk and Castrol. His background also includes roles during his time at Texas Tech and other part-time positions. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, and it operates through program sponsors and third-party managers to provide both advisory and brokerage solutions.

Robert Karpinski Jr. is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as an executor for an estate. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and advisory services without offering individual security recommendations as part of the standalone planning program.

Alan Brum is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Ameriprise, Kestra Investment Services, and TD Ameritrade. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

John O'Donnell is a financial advisor with Ameriprise in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Ameriprise Financial Services, Inc. He is the sole owner of JacAcq LLC, a business focused on managing practice operations. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Gregory Beckman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Beckman serves as a trustee for his spouse in an investment-related capacity. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than many peers, such as insurance-related vehicles and bank deposit sweep options.

Mark Van Ness is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing investment strategies for high net worth individuals and business owners, providing goals-based wealth management alongside a team of specialists. Mark's work includes managing portfolios that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Mark has been in the financial services industry since 1999 and joined Merrill Lynch Wealth Management in 2012. He holds the designation of Personal Investment Advisor (PIA) and earned an Associate's Degree from Devry University. His client focus areas include education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. Residing in Westfield, NJ, Mark lives with his wife, Roseann, and their two daughters, Gabriella and Sabrina. Outside of his professional work, he enjoys baseball, boating, fishing, football, traveling, sport fishing, and Italian food.

Alexander Jakucs is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has prior experience with NYLife Securities LLC and various contracting and service businesses. Outside of his advisory role, he is involved as an insurance broker with Creative Risk Management, LLC. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, along with specialized programs such as divorce planning and estate-settlement services.

David Larkin is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in wealth and investment planning for high net worth individuals and business owners. He leads The Larkin Group, providing comprehensive services including corporate executive services, divorce transition planning, employee benefits planning, family wealth management strategies, and retirement income planning. David holds a Bachelor's Degree from the University of Richmond and has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach focuses on connecting all aspects of a client's financial life to help prioritize and pursue the goals that matter most. Residing in Basking Ridge, New Jersey, David lives with his wife Kathryn and their two daughters. He is involved with the Friends of the Bernardsville Library and enjoys spending time outdoors with his family.

Nikolas Keszthelyi is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. His prior work includes positions at Joyce Honda and Zumiez Inc. Equitable Advisors serves a wide range of clients including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and third-party managers, with a significant focus on non-discretionary asset management and collaboration with affiliated managers.

Adnan Khan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2017 and at Wells Fargo Bank NA since 2016. Additionally, Khan has a business interest in RR Solutions, LLC, which provides sales, marketing, and technology solutions to internet and cable companies through outsourcing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Louis Mazzone is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior work includes roles at Signature Securities Group Corp./Signature Bank and Cetera Advisors LLC. Outside of advisory work, he owns Medicare Network Advisors LLC, a health insurance business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.