John Ryan III is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Patrick Min is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and three years of industry experience. He previously worked at WnW Capital for 11 years before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes and firm-approved tools to assist clients.

Lenay Courtwright is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2000. Outside of her advisory role, she is employed as a sales person at a retail loft in Paramus Park Mall. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-driven recommendation reports and a range of advisory, brokerage, and insurance solutions through its affiliated companies.

Joseph Murdaco is a Series 66-licensed financial advisor with Merrill, based in Paramus, NJ, and has five years of industry experience. He has worked at Bank of America, Merrill, TD Bank, and American Tire and Auto Care. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jonathan Ostrow is a financial advisor with Morgan Stanley in Jericho, NY, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He worked at RBC Capital Markets for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2021. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support its financial advisory services.

Brad Litchfield is a Financial Consultant I at Fidelity Investments, where he currently works to help clients and their families create financial plans tailored to their goals. His work often includes tax-efficient investing, estate planning considerations for legacy intentions, and creating income streams for retirement. Brad has progressed through multiple roles at Fidelity Investments, beginning as a Customer Relationship Advocate in 2022, advancing through several Investment Solutions Representative positions from 2023 to 2025, and serving as a High Net Worth Associate in 2023 before becoming a Financial Consultant I in 2025. Outside of his professional responsibilities, Brad enjoys activities such as beach outings, boating, family activities, fitness, exploring food, and golf.

Joanna Kim is a financial advisor at Ameriprise with 15 years of industry experience. She holds a Series 66 designation and has worked at firms including United Nations Federal Credit Union, B Riley Capital Management, and FBR Capital Markets. Outside of her advisory role, she provides personal care assistance to her elderly mother. Ameriprise serves clients primarily through its retirement-income planning service tailored for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver personalized retirement income recommendations.

Gregory Goodman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 21 years of experience in the financial services industry, focusing on delivering comprehensive wealth management strategies tailored to individual client needs. Gregory provides access to investment insights and banking services to address various aspects of clients' financial lives, emphasizing personalized plans centered around clients' values and goals. Gregory holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute™ and a graduate of Carnegie Mellon University. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and retirement income. Beyond his professional work, Gregory is involved in coaching recreational youth sports. His personal interests include baseball, football, golfing, music, reading, skiing, spending time with family, and traveling. He resides in Franklin Lakes, NJ with his wife and children.

Sebastian Hernandez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2022 and has prior experience at Johns Hopkins University. 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, distribution, and investment management capabilities.

Christopher Novielli is a financial advisor with Morgan Stanley, holding Series 63, 65, and 66 licenses and bringing 10 years of industry experience. He has worked at Morgan Stanley since 2018 and was previously with David Lerner Associates, Inc. He is also the sole proprietor of Good Life Good, a retail and online store based in White Plains, New York. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets through advisory and broker-dealer services.

Michael Higgins is a financial advisor at OSAIC with 28 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at Woodbury Financial Services Inc and Fidelity Brokerage Services LLC. Higgins also advises on fixed annuity and insurance solutions. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of affiliated advisors and platforms. The firm provides integrated brokerage and advisory services with a focus on diversified portfolio construction using various asset classes and third-party money managers.

Jennifer Perez is a financial advisor at J.P. Morgan Securities with Series 63 and 66 licenses and nine years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment approach.

William Cooney is a Vice President and Financial Consultant currently working at Fidelity Investments since 2013. He has over 30 years of experience in the financial services industry, with a career that includes roles at Merrill Lynch, Morgan Stanley, and Dreyfus Service Corporation. Throughout his career, he has navigated significant market events such as the dot-com bubble, the post-9/11 bear market, the 2008 financial crisis, and the COVID-19 recession. His extensive experience has provided him with insights into market cycles and client needs, enabling him to educate clients on maintaining their financial plans during periods of volatility. Prior to his current role, he served as Vice President and Financial Consultant at Merrill Lynch and Morgan Stanley, and as a Financial Adviser at Merrill Lynch and Dreyfus Service Corporation.

Melissa Cannizzaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with Cambridge Investment Research Advisors since 2007. Outside of her advisory work, she is a Certified Divorce Financial Analyst and co-owner of a landscaping business. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a large network of independent professionals using a variety of portfolio management strategies and platform arrangements.

Paul Selinger is a financial advisor with Morgan Stanley in Greenwich, CT, holding a Series 66 credential and 16 years of industry experience. He previously worked at Merrill Lynch from 2009 to 2017 before joining Morgan Stanley, where he has been since 2017 and at the Morgan Stanley Private Bank since 2019. Outside of his advisory role, he is involved as a sole proprietor in a rental property business. 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 services, and manages approximately $2.74 trillion in client assets.

Bradley Schatz is a financial advisor at Morgan Stanley with 16 years of industry experience. He has held roles at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm’s planning process uses structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

John Soliman is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has worked at Morgan Stanley since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a limited partner in a sports memorabilia business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools combined with firm-approved methodologies to support its financial planning services.

Josie Nieh is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Morgan Stanley, she held roles at Amazon and the UC Berkeley Basic Needs Center. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm employs a structured financial planning process using firm-approved tools and offers broad investment and planning services.

Olga Kononenko is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Outside of her advisory role, she works as a stylist for Color Street, focusing on nail prep and product promotion. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving clients with tailored investment solutions and a broader range of financial product offerings than many institutional advisers.

Mark Denny is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.