Lauren Chanley is a financial advisor with Equitable Advisors who holds a Series 66 credential and has two years of industry experience. Prior to joining Equitable Advisors, she worked at Goldman Sachs & Co. LLC for a total of 18 years, with a break in between. Outside of her advisory work, she serves as a trustee for a family trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing third-party asset managers and a variety of investment vehicles.

Neil Orzeck is a financial advisor at Cetera with seven years of industry experience and holds a Series 66 designation. He has worked at Cetera and Cetera Wealth Services since 2019 and previously was employed at Ameriprise Financial Services for one year. Outside of his advisory role, he serves on the membership committee as a board member of Cedar Hill Country Club in Livingston, NJ. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and consulting services delivered through a nationwide network of independent advisors, utilizing multiple program structures and investment options.

Michael Castracucco is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with eight years of industry experience. His prior roles include positions at Wells Fargo Clearing and B Adams Holdings, as well as employment at the University of Scranton. He also has work history with Sywanoy Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a comprehensive 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 supported by firm-approved tools and analysis techniques.

Joe Lentine is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He focuses on understanding the individual needs and objectives of each client to build tailored plans that support their financial well-being. Joe has been with Fidelity Investments since 2021, progressing from Financial Representative to Investment Consultant, and currently serving as a Financial Consultant. Prior to joining Fidelity, he worked as a Registered Representative at New York Life from 2019 to 2021. Outside of his professional role, Joe enjoys fishing, golf, horseback riding, and soccer.

Meegan Engles is a financial advisor at UBS Financial Services with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at UBS Financial Services for multiple periods since 2003, with a three-year break as a stay-at-home mother. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary market research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances. The firm offers a broad range of services including discretionary portfolio management, financial planning, and capital markets activities.

Gregory Vassallo is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 38 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he is involved with an insurance brokerage business, R.I.C.H. Planning Group, LLC. Equitable Advisors serves a broad client base, including individual and institutional clients, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Lindsay Boitel is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 license and eight years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of her advisory role, she has a decade-long involvement with Long Hill Township Public Schools. Morgan Stanley Wealth Management delivers advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm uses structured planning tools and scenario modeling to support client financial plans, primarily acting in an advisory capacity.

Carolyn Bambaci is a Series 66 licensed financial advisor with 14 years of industry experience. She has worked at RBC Capital Markets since 2016 and previously spent seven years at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies implemented through a mix of in-house and third-party managers.

Joseph Hendrick is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Citigroup Global Markets for seven years before joining LPL Financial in 2009. He is also involved in the sales of fixed life, health, disability, fixed annuities, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform includes financial planning, model portfolio programs, third-party asset management, and institutional solutions, supported by advisor tools and a broad range of financial services.

Robert Khoury is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. His current roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside its Global Investment Committee’s research to support its planning process.

Michael Rinaldo is a CFP® with 38 years of industry experience. He has worked at Ameriprise since 2020 and previously spent 10 years with UBS Financial Services Inc. Outside of his advisory role, he owns and operates a catering business called BBQ BEAST LLC. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Gary Lynch is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Cetera since 2023 and previously spent over nine years at Securian Financial Services and Minnesota Life Insurance Company. Outside of his advisory role, he is also involved in fixed insurance sales as an agent with Allied Wealth Partners. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and planning services, supporting both discretionary and non-discretionary strategies.

Michael Mchugh is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. He is also involved as a wealth manager with ACORN Financial Services and operates a sole proprietorship as an insurance broker. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs firm-provided asset-allocation tools and supports various account management options, including discretionary and non-discretionary portfolios.

Victoria Calandra is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she was with Northwestern Mutual and spent a decade as a full-time student. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, delivering financial planning through a structured process that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services.

Lauren Legband is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She worked at AXA Advisors, LLC for one year before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, utilizing structured discovery processes and firm-approved planning tools.

Paul Kilcullen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves clients by focusing on wealth preservation and managing cash flow needs as foundational elements of his wealth management process. Paul emphasizes proactive client service and transparency in his advocacy for clients and their families. As a CERTIFIED FINANCIAL PLANNER™ professional, Paul develops comprehensive wealth management plans that coordinate various aspects of his clients' lives. His expertise also extends to Social Security, Medicare, insurance planning, executive compensation, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, socially responsible and ESG investing, and tax minimization. Paul holds a Bachelor's Degree in Political Science from the College of the Holy Cross. He resides in Mendham, New Jersey with his wife Stephanie and their three children. Paul is actively involved in his community and volunteers as a Certified EMT.

James Cole is a Wealth Management Advisor with the Barth Group at Merrill Lynch Wealth Management in Short Hills, NJ. His approach integrates planning, investments, and banking using customized strategies tailored to clients' individual goals. He works with a select group of families, retirees, corporate executives, business owners, and non-profit organizations primarily in the greater New Jersey/New York City area and nationwide. The team emphasizes education to empower clients in making informed financial decisions and aims to simplify and bring clarity to their financial lives. Jim is a CERTIFIED FINANCIAL PLANNER4 (CFP4) certificant, awarded by the Certified Financial Planner Board of Standards, Inc. He also holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree from the University of Oregon. Prior to his financial advisory career, Jim served as an officer in the United States Marine Corps and later served with the New Jersey Army National Guard until his retirement in 2008. He focuses on various client areas including retirement income, family wealth management strategies, legacy planning, socially responsible investing, and managing new wealth. Jim emphasizes regular client engagement, including multiple meetings per year and an annual Financial Physical to review goals and strategies. Outside of his professional role, Jim spends time with his family, enjoys traveling, and watching movies.

Glenn Duphiney is a CFP® professional with 32 years of experience in the financial industry, currently serving at LPL Financial since 2008. His prior experience includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of his advisory work, he has participated as a part-time actor with occasional performances in the Tri-State area. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its network of investment adviser representatives with a range of financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary and third-party investment strategies.

Richard Vanderpool is a Series 63-credentialed financial advisor with 27 years of industry experience. He has worked at Ameriprise Financial Services, Inc. for 27 years before joining Raymond James Financial Services Advisors, Inc. in 2026. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Janet Roberts is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.