David Petrie is a CFA® charterholder affiliated with Stifel in Morristown, NJ, with 36 years of industry experience. He has been with Stifel since 2015. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Michele Hakes is a financial advisor with Mass Mutual Investors Services in Morristown, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously spent seven years with MetLife Securities. In addition to her advisory role, she is involved in property and casualty, health, and group health insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning supported by firm-approved analytical tools.

Pavel Leokumovich is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2010, also maintaining a role at JPMorgan Chase Bank, N.A. since 2009. 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Zhicheng Xin is a financial advisor at Morgan Stanley with eight years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018, following six years at the New York Compensation Insurance Rating Board. Xin holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models to support client outcomes.

Dennis Zaplin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at J.P. Morgan Securities for seven years before joining LPL Financial in 2019. Outside of his advisory role, he owns Zapgo LLC, an advertising specialty distribution business. 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, and brokerage services utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

John Shaw III is a financial advisor at Merrill with 28 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 1998, concurrently serving with Bank of America, N.A. since 2011. Merrill, along 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Frank is a CFP® with over 42 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2019. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is a silent partner in a family-owned sugaring business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering tailored financial planning and consulting services through a range of investment strategies and affiliated research.

David Xi is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 25 years of industry experience, including prior roles at Summit Financial, LLC, Purshe Kaplan Sterling Investments, and Summit Equities, Inc. In addition to his advisory work, he is involved in outside insurance sales and owns Bethel Wealth Guardians LLC, which markets MassMutual and affiliated products. MassMutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing planning relationships and offers a variety of programs, including estate settlement and employer-sponsored planning.

Margaret Hill is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 20 years of industry experience. She previously worked at Bank of America, N.A. for nine years before joining Wells Fargo Advisors in 2018. Outside of her advisory role, she serves as power of attorney for her mother. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory recommendations with other financial products through a large network of financial advisors.

Christopher Sceusa is Vice President and Wealth Planner at Fidelity Investments, where he has been serving since 2025. In this role, he focuses on understanding the priorities of his clients and their families to co-create and implement personalized financial plans aimed at achieving both current and future goals. Christopher emphasizes simplifying complex financial matters to help clients make informed decisions. He has accumulated experience in the financial services industry across various roles, including Financial Consultant at Fidelity Investments from 2021 to 2025, Support Advisor at Coastal Bridge Advisors from 2018 to 2021, Financial Advisor at Merrill Lynch from 2017 to 2018, Wealth Management Professional at Goldman Sachs & Co. from 2015 to 2017, and Banker at J.P. Morgan, Chase & Co. from 2013 to 2015. Christopher lives in New Jersey with his wife and their puppy. He is an avid golf enthusiast.

Eric Kleinstein is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has previously worked at Private Portfolio Partners, MML Investors Services LLC, MassMutual, and CBRE. Kleinstein is also involved with several related business activities, including roles with SKZ Wealth Management and Trust Financial Services, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, research, and technology-driven solutions.

Kyle Orr is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides traditional financial advice and guidance, leveraging his experience to assist clients in pursuing their objectives through building and managing custom investment strategies. He utilizes a wide range of Merrill model portfolios and third-party investment strategies, and when servicing clients through the firm's Investment Advisory Program, he may manage these strategies on a discretionary basis. Before joining Merrill Lynch Wealth Management in 2007, Kyle worked for 16 years in the publishing industry focusing on business and audience development. He holds a Bachelor of Science degree from Clemson University and carries the Personal Investment Advisor (PIA) designation. His client focus areas include college and education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Outside of his professional career, Kyle's personal interests include antiquing, cooking, fishing, football, gardening, golfing, spending time with his family, traveling, and woodworking.

Paulo Gaspar is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors, LLC from 2014 to 2016. Outside of his advisory role, he is involved in food delivery services as an Uber driver and co-owns a business selling candles and personalized gift boxes. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Nora Defalco is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she works as a licensed real estate sales agent and is involved in elder care services. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a wide range of advisory programs. The firm’s approach includes structured planning tools and modeling techniques, supporting clients in managing approximately $2.74 trillion in assets.

Shlomit Raviv is a financial advisor at Cetera with 12 years of industry experience and holds the CFP® and Series 66 designations. She previously worked with Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, she is involved as a member in a service industry venture called The Wisenheimers. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to a multi-manager platform that includes affiliated and third-party model portfolios and flexible program options.

Candice Epp is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Bank of America and Merrill since 2011. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Monahan is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with various Morgan Stanley entities since 2008, including Morgan Stanley & Co. Incorporated and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 a structured planning process supported by proprietary tools and market return models.

Deborah Canty is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 38 years of industry experience. She has been associated with Merrill since 2004 and Bank of America since 2010. Outside of her advisory role, she holds a power of attorney position for her spouse’s business. Merrill, along 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 investment strategies for a variety of clients including individuals, high-net-worth clients, and institutions.

Ivonne Rivera is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds a Series 63 designation and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research, underwrites securities, and offers affiliated banking and lending programs.

Ryan Kozack is a financial advisor at J.P. Morgan Securities with a Series 66 license and two years of industry experience. His prior work includes roles at Cantor Fitzgerald and Cannataro Family Capital Partners, as well as experience outside finance, including time at Novartis and Fordham University. 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 to assist client decision-making.