Isaiah Massa is a financial advisor at Morgan Stanley with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Morgan Stanley, he worked at Garnet Health Medical Center and has also been involved with City Winery since 2020. Morgan Stanley Wealth Management provides 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 approved tools but does not include individual security recommendations as part of its standalone planning offerings.

Victor Melendez is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate since 2016. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual written recommendation reports, utilizing algorithmic automation overseen by a dedicated retirement income team.

Michael Dasilva is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2011. Outside of his advisory role, Dasilva is the owner and office manager of ESA Technology Solutions, a company that installs and supplies technology solutions in New Jersey. He also served on the boards of the IAABO and the New Jersey Interscholastic Lacrosse Officials Association. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and a range of capital markets services. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client plans.

Michael Imbarrato is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and was an Investment Adviser Representative with Cetera Investment Services, LLC from 2019 to 2023. Michael specializes in helping clients develop clear, personalized financial strategies tailored to their individual goals and circumstances. His approach involves understanding both the numerical aspects and the personal context behind each client's financial situation, enabling him to design investment plans that evolve alongside their lives. Michael's professional experience spans retirement preparation and financial decision-making support for clients balancing work, life, and finances. Outside of his professional work, Michael has interests in baseball, cooking and baking, exploring culinary experiences, music, outdoor adventures, and traveling.

Alissa Crawford is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning tools and a range of retail and institutional investment options.

Kimberly Bucello is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. 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, utilizing structured planning tools and methodologies such as Monte Carlo simulations.

Daryl Helsing is a Series 63–licensed financial advisor at Morgan Stanley with 13 years of industry experience. He has worked at various Morgan Stanley entities since 2016, including Morgan Stanley & Co. LLC and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing 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 investment research to support its advisory services.

Steven Paramo is a Financial Consultant currently with Fidelity Investments, a position he has held since 2020. He works closely with clients to build and maintain financial plans tailored to their unique situations, acting as their advocate to identify strategies that improve their financial outlook. Steven emphasizes open communication with clients and their families as goals evolve over time. Prior to his current role, Steven gained experience as an Associate Financial Consultant at Charles Schwab from 2017 to 2020 and as a Financial Planner at Ayco, a Goldman Sachs Company, from 2013 to 2017. He holds a California Insurance License. Outside of his professional work, Steven has personal interests that include food, hiking, visiting museums, outdoor adventures, snowboarding, and traveling.

Don Mathieson is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Outside of advising, he is involved in providing group health insurance, long-term care insurance, and life insurance renewals through a separate business activity. Cetera is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs, operating a multi-manager platform that supports various discretionary and non-discretionary strategies.

Scott Fletcher is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Primerica since 1987. Outside of his advisory role, he is an owner of an inactive budget counseling business in River Edge, NJ. Primerica Advisors sponsors and manages a wrap-fee asset management program 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-based strategies managed by third parties and provides advisory services through a large network of financial advisors.

Mark Carruthers is a Certified Financial Planner (CFP®) with over 30 years of experience in the financial services industry. He has worked at Cetera since 2005 and is currently associated with Hudson Valley Financial Services, where he has served as a CFP since 2018. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with extensive program options and assets under management exceeding $256 billion.

Tomomi Trudell is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and having 17 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2009. 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 and fund searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG criteria, and offers broad derivatives and commodities capabilities.

Anastasija Majauskas is a financial advisor at Morgan Stanley with two years of industry experience. She holds Series 63 and Series 66 licenses and has held multiple positions at Morgan Stanley since 2021, with earlier experience at Cognizant Softvision and iMG Development LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, emphasizing advisory services without individual security recommendations as part of standalone planning.

Scott Lanz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 proprietary tools and research.

Frank Calderone is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is a bass player for the band HeadFirst and also owns Calderone Financial Services, Inc., a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports a range of advisory programs alongside specialized municipal and employer advisory services.

Mary Dunne is a financial advisor at LPL Financial with 43 years of industry experience. She has been with LPL Financial, formerly known as Linsco/Private Ledger Corp., since 1996. Mary holds the Series 63 designation. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Masar Jashanica is a financial advisor with Wells Fargo Clearing and holds the Series 63 and Series 65 licenses. He has six years of industry experience with prior roles at JP Morgan Securities and Santander Bank. Outside of his advisory work, he has a minority ownership interest in a real estate investment entity. 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 combines brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets across more than 14,000 advisors.

Michael Meringolo is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation. His prior experience includes a position at Equitable Advisors, LLC, and roles in various other sectors including hospitality and property restoration. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Kevin Bertoncin is a financial advisor at RBC Capital Markets with 16 years of industry experience. He holds a Series 66 designation and has worked at firms including UBS Financial Services, Fidelity Brokerage Services, and TD Ameritrade. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, implementing tailored investment strategies through a combination of in-house and third-party managers.

Evelyn Vera is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, Citigroup Global Markets, Primerica Financial Services, and PFS Investments Inc. Outside of her advisory role, she is the owner of Vera Business Solutions, LLC, an administrative consulting firm that is currently inactive. 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 emphasizes a structured planning process supported by firm-approved tools and research.