Joseph Hinshaw IV is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked at Morgan Stanley since 2012 and previously spent five years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services through structured planning tools and strategies developed by its Global Investment Committee.

Ayumi Noda is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank NA. Noda has been with Morgan Stanley since 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers financial planning services both directly and through corporate agreements.

Janine Nebbia is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Merrill from 2013 to 2021 before joining Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery tools and firm-approved processes.

Michael Jason is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Advisors Corporation, Bank of America, Merrill, and Banc of America Investment Services. Outside of his advisory role, he coaches a local youth hockey team. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Kathleen Bigelow is a financial advisor with J.P. Morgan Securities in West Harrison, NY, holding Series 63 and Series 66 designations and 26 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework.

Matias Morales is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Mass Mutual, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He also has experience in banking and financial services roles at Peoples United Bank and TD Bank. Mass Mutual Investors Services 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 emphasizes collaborative, annual planning relationships using firm-approved analytical tools and offers event-driven planning services including estate settlement and employer-sponsored programs.

Abdoulaye Diakite is a financial advisor at Morgan Stanley with three years of industry experience. He holds the Series 66 designation and has prior work experience at CVS Pharmacy and educational institutions including Lehman College and the High School for Health Careers and Sciences. Morgan Stanley Wealth Management provides a wide 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 as part of its advisory process.

Alec Chevreux is a Financial Consultant at Fidelity Investments, where he collaborates with individuals and families to assist them in making important financial decisions and developing personalized strategies tailored to their goals. He prioritizes understanding each client's unique situation to provide guidance and long-term planning support. Alec's professional experience at Fidelity Investments includes roles as an Investment Consultant from 2024 to 2026, Financial Representative from 2023 to 2024, and Financial Services Representative in 2023. This progression demonstrates his breadth of experience in financial consulting and investment advising. Outside of his professional work, Alec has interests in cooking and baking, fishing, fitness, exploring culinary experiences, outdoor adventures, and traveling.

Christie Flynn is a financial advisor at Morgan Stanley with 28 years of industry experience and holds a Series 63 designation. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs supported by structured planning tools and a variety of investment services.

Jonathan Licata is a Series 66-licensed financial advisor with Wells Fargo Advisors in Paramus, NJ, and has five years of industry experience. Before joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing from 2019 to 2025, and previously held roles at Randstad Temp Agency and Manhattan College. Outside of his advisory duties, Licata coaches youth hockey for the Ramapo Youth Hockey Association in Monsey, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients who meet a net-worth threshold. The firm combines advisory services with various financial products and planning strategies to address diverse client needs.

Radhika Naini is a financial advisor at Morgan Stanley with 4 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved tools to model potential outcomes.

Indira Valladares is a financial advisor at Charles Schwab with 11 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

David Heller is a financial advisor with Osaic Wealth who holds a Series 63 designation and has 16 years of industry experience. His work history includes roles at Mass Mutual Life Insurance Company, Mass Mutual Investors Services, Royal Alliance Associates, and Cetera Advisors. Outside of his advisory duties, he serves as a sales agent for Lenox Advisors and is the managing director of Sanders Smith Ltd. Osaic Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, enabling advisors to implement discretionary strategies, third-party manager selections, and proprietary models.

Christina Giraldi is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 63 designation and 10 years of industry experience, all with her current firm since 2016. Outside of her advisory role, she works as a bartender for a catering business in the Township of Washington, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions through a large network of advisors.

Michael Bishay is a financial advisor with Fidelity, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Morgan Stanley, JP Morgan Chase, and Merrill. Outside of finance, he is the owner of a tanning salon and retail business in New York City. Fidelity Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves retail and institutional investors and manages multiple registered investment companies and model portfolios.

Jessica Ruff is a financial advisor with Merrill in Ramsey, NJ, holding a Series 66 designation and six years of industry experience. She has been associated with Bank of America and Merrill since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Kelly Early is a financial advisor with Morgan Stanley, holding a Series 66 designation and over a decade of experience in the industry. Prior to joining Morgan Stanley in 2022, Kelly worked at Bank of America from 2014 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning using structured processes and firm-approved tools.

Kenan Sabbagh is a financial advisor at Morgan Stanley with a Series 66 designation and approximately one year of industry experience. His prior roles include positions at MRMS Investment LLC, Prophet Homes, and The Heyl Group at Keller Williams. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies.

Ralitsa Delgado is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has 18 years of industry experience, including 13 years with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, and three years with Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process incorporates quantitative and qualitative due diligence, uses forward-looking capital market assumptions, and may include ESG criteria.

Enrico Lomonaco is a financial advisor with UBS Financial Services in Mamaroneck, NY. He holds Series 63 and Series 65 licenses and has 27 years of industry experience, having worked at UBS and Painewebber since 1998. Outside of financial advising, he is a partner in ERCL Inc., a healthcare and pharmaceuticals business specializing in eye exams. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities and wealth management. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management.