James O'hara is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 63 designation and bringing 43 years of industry experience. He has been with 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 that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside various investment offerings.

James Pallitto is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. Prior to that, he was employed at Merrill and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process uses centralized due diligence combining quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Chunyen Wang is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In this role, Chunyen focuses on developing personalized financial strategies tailored to each client's unique goals and changing market conditions. He provides access to investment insights from Merrill as well as banking and lending solutions through Bank of America. Chunyen holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned both his Bachelor's and Master's degrees from Montclair State University. Chunyen is committed to working closely with clients one-on-one to help them pursue their long-term financial objectives. Additionally, he participates in community volunteer activities, reflecting the Merrill tradition of local engagement.

Colleen Brophy Emma is a financial advisor at LPL Enterprise with 30 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at firms including Morgan Stanley Smith Barney LLC, Fidelity Brokerage Services LLC, UBS Financial Services, and The Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically uses model-driven investment approaches and offers financial planning, consulting, and access to third-party asset managers.

Connor Jackson is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been with Merrill since 2019, following a four-year period at Indiana University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 developed by internal teams and third-party managers.

Sarah Aly Mahrous is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and four years of industry experience. She has worked at JPMorgan Chase Bank and PNC Bank since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process combines quantitative screening and qualitative research, incorporating ESG criteria, and includes broader derivatives and commodities capabilities.

William Herterich is a financial advisor at MassMutual Investors Services with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has been with MassMutual Life Insurance Co and MML Investors Services since 2025, following over two decades at Equitable Advisors. Outside of his advisory work, he has served as a spin instructor at the YMCA since 2010. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual, collaborative relationships using firm-approved analytical tools.

Todd Waters is a Series 66-licensed financial advisor with Morgan Stanley in Morristown, NJ, with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs structured planning tools and does not provide individual security recommendations as part of its standalone planning services.

Kevin Reidinger is a financial advisor at LPL Enterprise with eight years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Frank Karpack is a CFP® and ChFC® with 26 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016. Prior to that, he spent eight years with METLIFE Securities Inc. 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 provides ongoing financial planning and asset management, using firm-approved analytical tools to develop collaborative, written recommendations for clients.

James Ruggiero is a financial advisor at Wells Fargo Clearing with a Series 66 credential and two years of industry experience. His prior work includes roles at Rutgers Business School, the New York Yankees, the Philadelphia Phillies, and West Virginia University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ryan Guthrie is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2008 and specializes in working with high net worth private clients as well as institutional retirement plans. Ryan focuses on providing financial strategies for individuals, families, and business owners, including designing and administering corporate retirement plans. Ryan has over 14 years of experience in the financial industry and holds several professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated with a Bachelor of Arts degree in Economics from The University of Vermont. Outside of his professional role, Ryan sings and plays guitar in two bands. He is also involved in community service as a member of the Mendham Township, NJ Zoning Board of Adjustment.

Michael Bocina is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In his role, he partners with individuals and families to understand their financial goals and assists them in planning to achieve those goals. He focuses on understanding the uniqueness of each client's personal situation to explore appropriate investment options. Mr. Bocina has extensive experience in the financial services industry, having worked in various roles since 1992. Prior to his current role, he was Vice President of Institutional Managed Accounts at Fidelity Investments from 2006 to 2012. Before that, he held the same position at Bank of NY from 1999 to 2006. He also gained experience as a Financial Consultant at Merrill Lynch from 1996 to 1999 and worked in Fixed Income Trading & Sales at Smith Barney from 1992 to 1996.

Lydia Nimene is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and over 25 years of industry experience. She has been with Merrill and Merrill Lynch since 1986, accumulating 40 years of service at the firm. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sebastien Cassu is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and five years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2021. Outside of his advisory role, he is also an independent insurance agent selling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements using firm-approved software and tools, with optional implementation of recommendations through brokerage or insurance products.

Michael Gabay is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Alexander Marashlian is the Branch Leader at Fidelity Investments in Morristown, where he leads the Fidelity Team in promoting client engagement and fostering a culture of excellence. He is focused on connecting with the community through local events and meetings to strengthen relationships with the town and surrounding areas. Prior to his current role, Alexander served as Executive Director and Head of National Internal Sales at Morgan Stanley Investment Management from 2014 to 2021. His professional experience encompasses leadership and sales within the financial services industry. Outside of his professional responsibilities, Alexander's personal interests include spending time at the beach, camping, enjoying comedy, participating in family activities, gardening, and watching movies.

Todd Gutkin is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he is a partner in GB Fitness, a gym business based in Hackettstown, New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements with employers.

Louis Villanueva is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Scott Howell is a CFP® with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at HSBC Bank USA, HSBC Securities (USA) Inc., Citigroup Global Markets, Citicorp Investment Services, Chase Investment Services Corp., and Merrill. 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 institutions. The firm provides a range of financial planning and portfolio management options supported by technology and has a significant presence with over 22,800 advisors and $819 billion in discretionary assets.