Richard Urban is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 20 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012 and previously held roles at Merrill and RBC Capital Markets. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Minnis is a CFP®-certified financial advisor with 14 years of industry experience, currently with LPL Financial since 2021. His prior roles include positions at Charles Schwab Bank, Charles Schwab, and New York Life. He also managed Private Portfolio Partners, an independent investment advisory business, from 2021 to 2023. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Todd Schroeder is a financial advisor with Cetera in Midland Park, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Columbia Bank, Allied Wealth Partners, and Securian Financial Services. Outside of his advisory work, he coaches wrestling five hours per week. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services utilizing multiple program platforms and a multi-manager approach.

Frank Scozzafava is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked primarily with Prudential Insurance Company of America and its affiliate Pruco Securities, LLC since 1993. He is also involved in disability and health insurance sales through two related business activities. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing financial planning, consulting, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance product sales through its affiliated entities.

William Burke III is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for a family member, assisting with financial decisions. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Christopher Messler is a Private Wealth Management Investment Management Consultant at Fidelity Investments. In this role, he partners with clients and their Wealth Management Advisors to help implement and monitor investment strategies aimed at pursuing long-term investment goals. He has progressed through multiple roles at Fidelity Investments, including Investment Management Consultant I through III from 2022 to 2026, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, he worked as a Registered Representative at Equitable from 2020 to 2021. Outside of his professional responsibilities, Christopher enjoys activities such as fishing, football, golf, skiing, soccer, and participating in social events with friends.

Matthew Di Betta is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Windsor Group in Paramus, New Jersey. Since joining in 2010, he has played a key role in overseeing wealth management, portfolio review, and wealth planning processes for his clients. His approach involves building customized financial plans and investment strategies tailored to each client's unique objectives. Matthew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He earned a Bachelor of Arts degree in Economics from Hobart and William Smith Colleges, where he also served as captain of the cross-country team. Outside of his professional work, Matthew maintains an active lifestyle by participating in running events, basketball, skiing, and traveling. He resides in Pleasantville, New York, with his wife Caitlin, their three children, and their black Labrador.

Sarkis Shirinian is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following earlier tenure at Citigroup Global Markets. In addition to his advisory role, he is involved in tax return preparation. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Luca Carlino is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at TD Ameritrade, Morgan Stanley, E*TRADE, and Northwestern Mutual. Outside of finance, he was involved with Divina Ristorante for ten years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary portfolio management, supported by multi-asset model portfolios and a centralized operational structure.

Eileen Finnegan is a financial advisor at Merrill with 30 years of industry experience and holds a Series 66 designation. She has worked with Merrill since 1993 and Bank of America since 2015. Outside of her advisory role, she oversees a family-owned business that produces and sells pet bow ties, which supports animal shelters through donations. 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 institutions.

Brett Hasenecz currently serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2009, initially working as an Investment Consultant and Financial Consultant before his promotion. Prior to joining Fidelity, Brett worked as a Financial Advisor at Bank of America Merrill Lynch from 2007 to 2009, and at First Investors Corp. from 2004 to 2007. With over 22 years in the financial services industry, Brett focuses on partnering with high net worth individuals and business owners to develop personalized financial plans. His approach centers on the belief that failing to plan is planning to fail, and he works closely with clients to help them reach their financial goals. Brett holds a California Insurance License and maintains personal interests in fitness, football, hiking, skiing, and soccer.

Neila Malvoisin is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Farmers Insurance. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Williams is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he serves as Fundraising Committee Chairperson for Boy Scout Troop 109 in Hillsdale, where he helps organize an annual pancake breakfast to raise funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution. The firm’s investment approach includes multiple strategy types and extensive manager selection overseen by its CIO, with a focus on tax-efficient capabilities and integration with Bank of America affiliates.

Stephen Visnovske is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, First Republic Bank, and Morgan Stanley Private Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Sweeney is a financial advisor with J.P. Morgan Securities, holding Series 63, 65, and 66 licenses and 29 years of industry experience. His prior firms include Ameriprise, UBS Financial Services, and Morgan Stanley. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Amanda Cain is a CFP® professional based in Ridgewood, NJ, with 22 years of industry experience. She has worked at Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs that include discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andrew Han is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2016. Outside of his advisory role, he serves as a board member for the Korean American Youth Foundation. 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 recommendations.

Philippos Sifakis is a financial advisor at Morgan Stanley with 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014 and holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs a structured planning process using firm-approved tools and emphasizes an advisory role without providing individual security recommendations in standalone financial plans.

Kalpana Thakkar is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC. Outside of her advisory role, she is involved with business activities including 167-169 Newark Ave Realty, Dollar Strength, and Dollar Paradise. Fidelity’s Strategic Advisers LLC, where she operates, provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Matthew Foley is a financial advisor at UBS Financial Services with 29 years of industry experience. He has previously worked at Bank of America and Merrill. He serves as an advisory board member for the nonprofit organization Eva’s Village, where he participates in fundraising activities. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.