Monece Andre Franco is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and Chase Bank, as well as academic positions at Ramapo College of New Jersey. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremy Brower is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he is a partner in Breathewave Technologies Inc., a health and wellness company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Karl Kreshpane is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds a Series 63 designation and has worked at UBS since 2016, following a tenure at Morgan Stanley from 2002 to 2016. Outside of finance, he serves as treasurer for Goodfellas Restaurant Inc. and owns Serenity River Farm LLC, which produces firewood, maple syrup, and nettle tea. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, delivering investment solutions based on proprietary research and model-based strategies.

David Jacas is a financial advisor with Cetera who holds the Series 63 designation and has 31 years of industry experience. He has worked at Cetera since 2005, including with its current entity since 2021. Outside of his advisory role, he manages accounting and tax preparation services through J&J Tax Consultants and serves as a board member for a condominium association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services with a multi-manager platform that supports discretionary and non-discretionary account management across multiple program structures.

Louis Tomasella is a financial advisor with Raymond James Financial, holding a Series 66 designation and providing advisory services for 26 years. He has worked at Raymond James Financial and its affiliates since 2001 and is the sole member and manager of LCT Wealth Management, LLC. He also serves as power of attorney for his father's financial accounts. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using analytical tools to assist clients in meeting their financial goals.

Romil Bhagat is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with LPL Financial since 2004 and served at Private Portfolio Partners, LLC from 2016 to 2025. Bhagat is involved in selling group health, disability, and fixed life insurance through STATMEDIX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, using a range of model portfolios and third-party subadvisors, supported by advanced operational tools.

Jutta Kaiser is a financial advisor with Equitable Advisors, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Equitable Advisors since 2001, including time when the firm operated as AXA Advisors, LLC. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs delivered through its network of Investment Adviser Representatives and third-party asset managers.

Gabriel Palacios is a financial advisor with Mass Mutual Investors Services in Elmsford, NY. He holds the CFP® and ChFC® designations, along with a Series 66 license, and has five years of industry experience. His prior work includes roles at Crossborder Solutions and MassMutual Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative processes to structure ongoing client relationships.

Don Santangelo is a financial advisor with Edward Jones in Pompton Plains, NJ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Zumper, HomeKeepr, RentCred Inc, and Century 21 Gemini LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Arment Merovci is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., TD Bank, MassMutual Financial Services, and Northwestern Mutual. He also worked in economic research for the Department for Economic Research of Republika of Kosova for eight years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process uses centralized due diligence combining quantitative screens and qualitative research, and incorporates a range of eligible strategies including ESG considerations.

Daniel Roh is a Certified Financial Planner (CFP®) with 34 years of experience in the financial industry. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 1999. Outside of his advisory role, he volunteers as a firefighter for the Fort Lee Fire Department in his local community. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Patrick Gallagher is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds a Series 66 designation and has worked previously at Knopman Marks and Skidmore College. Gallagher is also an independent insurance agent providing life, disability, long-term care, fixed annuities, and health insurance services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as collaborative relationships using firm-approved analytical tools.

Salvatore Sferruzza Jr. is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Citigroup/Citibank, TD Bank, Duff & Phelps, and Fordham University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting.

John Szymanski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Richard Sepulveda is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that encompass both direct client engagements and Corporate Financial Planning agreements.

Roxana Menendez is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 23 years of industry experience, including nine years at Merrill and several years at Morgan Stanley and its related entities before joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Stanley Yee is a Financial Advisor with J.P. Morgan Securities, holding a Series 66 license and bringing 13 years of industry experience. He has concurrent experience working at JPMorgan Chase Bank, N.A. since 2014. Outside of his advisory role, Stanley is involved in several business activities including owning an e-commerce business focused on reselling sneakers and clothing, acting as a silent partner in a minimart, and working as a home healthcare aide. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice and customized performance reporting. The firm’s investment process integrates quantitative and qualitative manager due diligence and incorporates ESG considerations where applicable.

Catherine Fellows is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated and Bank of America since 2010. Outside of her advisory role, she assists with a family business specializing in indoor plants, including terrariums and bonsai, helping at local markets and craft fairs. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a diverse client base that includes individuals, pension plans, and charitable organizations.

Vincent Delrosso is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following three years at MetLife Securities. Outside of his advisory role, he is involved in independent insurance sales covering life, fixed annuities, disability, long-term care, health, and property and casualty insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as ongoing collaborative relationships focused on detailed client analysis and strategy recommendations.

Joseph Haynes is a financial advisor at UBS Financial Services in Paramus, NJ, with 56 years of industry experience. He has been with UBS since 2006 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.