Nicholas Bozanich is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ, holding Series 63 and Series 65 designations and having 10 years of industry experience. He has been with Mass Mutual and its broker-dealer subsidiary since 2015. Outside of his advisory role, he engages in financial planning related to life, disability, long-term care insurance, fixed annuities, and health insurance products. Mass Mutual Investors Services, LLC is both a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning with collaborative relationships and uses firm-approved software tools to analyze client goals and deliver recommendations.

James Zimmermann is a financial advisor with Equitable Advisors in New York, NY, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Equitable Advisors, he worked at Edward Jones and operated a law office under his own name. Outside of finance, he has worked as a delivery driver for InstaCart. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Jill Cooper is a CFP® professional at OSAIC with 32 years of industry experience. She has worked with Sagepoint Financial, Inc. and Risk Wealth Retirement Advisors before joining OSAIC. Outside of her advisory role, she is a member of JBC Consulting LLC, which provides group and individual insurance sales, and serves as an administrator for MD Partners Inc., assisting with office administration and insurance questions. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services along with access to third-party money managers and diversified investment options.

Fred Harraka is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, all with MassMutual Life Insurance Co and Mass Mutual Investors Services since 2023. Outside of financial advising, Harraka owns and operates multiple dry cleaning businesses, including Westside Cleaners and Fred's Corporate Cleaners. MassMutual 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 emphasizes collaborative, software-supported planning and offers specialized event-driven planning programs.

Philip Murphy is a financial advisor with Raymond James & Associates, holding a Series 66 credential and 22 years of industry experience. He has been with Raymond James since 2015 and previously worked at Lasalle Street Business Solutions for seven years. Outside of his advisory work, he co-owns a shore house in New Jersey that he rents occasionally, managed by a real estate firm. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, pension plans, and nonprofits, offering financial planning and non-discretionary investment consulting supported by broad research and multiple portfolio management styles.

James Beale Sr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior experience includes six years at Pruco Securities, LLC and ongoing involvement with Prudential Insurance Company of America since 2018. He also spent time at Fran's Wicker and worked as a household engineer and primary caregiver earlier in his career. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, alongside brokerage and insurance products through its integrated platform.

Malcolm Lett is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with PFS Investments Inc. and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Matthew Clancy serves as Vice President, Financial Consultant, bringing over 30 years of experience in the financial services industry. In his current role, he collaborates closely with clients to understand their unique goals and develop personalized financial strategies through a comprehensive planning process. He emphasizes educating clients and simplifying complex financial concepts to support informed decision-making. His professional experience includes positions at Fidelity Investments from 2015 to 2023, serving as Financial Consultant, Investment Consultant, and Central Relationship Manager. Prior to that, he held leadership roles at AllianceBernstein and Sanford C. Bernstein & Co. Inc., where he managed client reporting and portfolio administration functions. Matthew holds a California Insurance License. Outside of his professional work, he has interests in biking, fishing, golf, soccer, and traveling.

Antoinette Campbell is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and having 27 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Morgan Stanley Smith Barney LLC. Outside of her advisory role, she is a 50% owner of an investment-related business, JJLM LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning using structured tools and firm-approved methodologies.

Louis Intorre is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2014 and 2015, respectively. Outside of his advisory work, he serves as the recycling coordinator for the Borough of Dumont. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses structured tools and models to assist clients, who are responsible for implementing and updating their plans.

Parto Tehranifar is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 65 and Series 63 licenses and bringing 20 years of industry experience. He has worked at PFS Investments Inc. since 2006 and at Primerica Financial Services since 2005, including a decade managing the Paramus office. Outside of advising, he is involved in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates with a large network of advisors and utilizes model-delivery strategies managed by third-party asset managers, supported by discretionary separately managed accounts and custodial services from BNY Mellon Advisors and Pershing.

Danielle Jacobson is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has held roles at Morgan Stanley since 2009, as well as positions at National Asset Management, National Securities Corporation, and Winslow, Evans & Crocker, Inc. Outside of her advisory work, she is involved as an independent contractor in direct sales of dermatology products through Rodan and Fields. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both retail and institutional solutions.

Maria Nigro is a CFP® with 21 years of experience in the financial services industry. She is currently with Equitable Advisors, where she has worked since 2023, following a 13-year tenure at Ameriprise Financial Services, Inc. Outside of her advisory role, Nigro participates as a member of St. Anne's Parish Community Committee, contributing to community events and fundraising initiatives. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and third-party managers, with a focus on both discretionary and non-discretionary advisory services.

Mary Ann Abida is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that evaluate the overall financial health of families, including wealth management planning, asset preservation, retirement income stream creation, and tax liability alleviation. Mary Ann focuses on guiding clients through financial changes and uncertainties to help achieve their financial goals for themselves and future generations. She holds a Master's Degree from the University of Phoenix, a Bachelor's Degree from Montclair State University, and a Certificate in Financial Planning from NYU School of Professional Studies. Mary Ann has earned several professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is multilingual, speaking English, Circassian, and Arabic. In addition to her professional work, Mary Ann is involved with community organizations such as the Circassian Benevolent Association and delivers financial empowerment workshops to various groups. She supports organizations including Doctors Without Borders, Humanity for Relief and Development, International Rescue Committee, and World Central Kitchen. Her personal interests include cooking, football, golfing, music, reading, soccer, spending time with family, swimming, traveling, and yoga.

Alexander Arns Jr. is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and data-driven modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides tailored planning through its Financial Advisors and Estate Planning Strategies Group.

Robert Jelderks II is a financial advisor with Stifel Nicolaus & Co Inc, holding a Series 63 designation and 33 years of industry experience. He has been with Stifel since 2014. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Felipe Stanev is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and one year of industry experience. His prior work includes roles at PFS Investments Inc., Primerica Financial Services, T3 Trading Group, LLC, New Asset, and Protrader Brazil. He also engages in sales of loan products and home security referrals through affiliates of PFS Investments Inc. and Primerica. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutions through advisory and brokerage channels. The firm offers financial planning, model portfolio management, third-party asset management, and a variety of brokerage and insurance products via an integrated platform combining adviser programs with active product sales.

Anita Thomas is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 63, Series 66, and Series 65 credentials. Prior to joining Morgan Stanley in 2022, she worked at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of her advisory role, she manages an accounting and bookkeeping business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and a variety of investment strategies.

Eric Mercado is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America and Northwell Health Labs, as well as twelve years at Zadies Bake Shop. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Veniamin Malakh is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 20 years of industry experience. His work history includes roles at Zahav Financial Inc. and Cetera Financial Specialists LLC. Outside of advising, he owns TAXBIX PRO LLC, a tax practice, and serves as a volunteer trustee handling bank reconciliation and tax return preparation for the Beer Itzchak Foundation, a nonprofit public charity. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.