Todd Smith is a financial advisor at Equitable Advisors with 35 years of industry experience. He has been with Equitable Advisors since 2001 and previously worked at Axa Advisors, LLC. His credentials include Series 63 and Series 65 licenses. Outside of his advisory role, he is involved in an additional insurance business. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm employs a model-based approach utilizing third-party asset managers and advisory programs, providing services across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Michael Stickler is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he also performs notary services as an independent contractor. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning arrangements.

Michael Bianco is a financial advisor at Edward Jones in Chatham, NJ, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Stephen Ponichtera Jr. is a Series 63-registered financial advisor with Morgan Stanley, based in Morristown, NJ, with 54 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously held roles at Citigroup Global Markets from 1993 to 2009. He has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering comprehensive financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and scenario modeling as part of its approach.

Renee Wainberg is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques such as Monte Carlo simulations in its financial planning process.

Michael Rosenberg is a financial advisor with LPL Financial in Florham Park, NJ, holding a Series 63 license and bringing 43 years of industry experience. He has worked at LPL Financial since 2004 and previously spent two years with Cetera Wealth Services, LLC. Rosenberg is also involved in selling life and health insurance, dedicating part of his time to that activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing a variety of investment strategies and operational tools across a network of more than 22,800 advisors.

Kelly Frisch is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Kelly worked for ten years at Pillsbury Winthrop Shaw Pittman LLP. 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 planning process uses structured discovery and modeling tools, serving clients through both direct and corporate financial planning agreements.

Mark Franciotti Jr. is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services Inc. for 12 years before joining Wells Fargo in 2022. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Duncan Roberts is a financial advisor at Edward Jones in Basking Ridge, NJ, holding a Series 66 designation. He has one year of industry experience and previously worked at Brookfield Properties and KPMG LLP. Prior to his financial career, he was involved in various roles including at Clemson University Intramural Sports and Fiddlers Elbow Country Club. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Daniel Barrett is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 29 years of industry experience. Prior to joining Raymond James in 2022, he worked for UBS Financial Services from 2011 to 2022. Barrett is also associated with 1792 Wealth Advisors in Morristown, NJ, where he serves as a financial advisor. 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 investors. The firm uses tailored, non-discretionary planning supported by risk profiling and analytical modeling, and it offers specialized municipal and public-finance services not commonly found among large institutional advisors.

Arielle Thompson is a Series 66-licensed financial advisor with J.P. Morgan Securities in Morristown, NJ, where she has worked for 12 years. She has 19 years of industry experience and has been with JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers services on a non-discretionary basis.

Donald Marvel is a financial advisor with Equitable Advisors in Basking Ridge, NJ, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Equitable Advisors and its predecessor entity Axa Advisors since 1999. Outside of advisory services, he is involved in other outside insurance business activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm employs a variety of advisory programs and third-party asset managers to match clients with appropriate investment solutions.

Julia Bishop is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch Wealth Management. She has over 41 years of experience in the financial services industry and joined Merrill in 1987. Julia holds several professional designations, including CERTIFIED FINANCIAL PLANNER4CFP4, Certified Private Wealth Advisor4 (CPWA4), and Chartered Retirement Planning Counselor4 (CRPC4). She earned a Bachelor of Science degree in Biology from Fairleigh Dickinson University. Julia focuses on providing clients with strategic financial planning, investment guidance, and retirement planning solutions. Her expertise covers areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Julia also serves as a Portfolio Manager, managing discretionary personalized or defined strategies on behalf of clients. Outside of her professional commitments, Julia enjoys biking, cooking, gardening, hiking, ice skating, running, skiing, and spending time with her family.

Silvio Marin is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors, LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. 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 in its investment offerings.

Karen Fernandini is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. She has been with Wells Fargo in various capacities since 2009, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with planning engagements typically delivered as discrete projects rather than ongoing advice.

Christopher Martino is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at Citizens Securities, Cetera, INVEST Financial Corporation, and Investor's Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy preparation, performance reporting, participant education, and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Marc Coopersmith is a CFP®-designated financial advisor with RBC Capital Markets, bringing 40 years of industry experience. He has been with RBC Capital Markets since 2009 and also has a decade of experience at City National Bank. Outside his financial career, he is involved with SROVIC LLC, a travel and recreation business. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with customized advisory programs that include portfolio management, financial planning, and brokerage services. The firm uses a variety of investment managers and strategies tailored to clients' risk profiles, offering a comprehensive range of financial solutions.

Todd Stanard is a financial advisor with LPL Financial, holding Series 63 and 65 credentials and bringing 32 years of industry experience. His prior career includes 18 years at Lincoln Financial Advisors Corp and 10 years at Aspire Performance, LLC. Outside of his advisory role, he is involved in entrepreneurial activities through FHC Real Estate LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Edmund Tschopp is a CFP® and ChFC® with 32 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes eight years at American Portfolios Financial Services, Inc. and over 19 years at Kempson & Tschopp, LLC. He volunteers as a facilitator for financial courses at his church, leading discussions on budgeting, debt, and investment planning. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Robert Foley is a financial advisor with Cambridge Investment Research Advisors in Madison, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. In addition to his advisory role, Foley is an independent insurance agent representing various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and custody arrangements tailored to client objectives.