Michael Gammarati is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses firm-approved tools and models to support financial planning without providing individual security recommendations in standalone plans.

Erich Williams is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He has built a career focused on understanding clients' goals and helping them develop investment plans that align with their financial objectives to provide peace of mind. Erich's professional experience includes roles as a Private Banker at Merrill Lynch from 2021 to 2023 and at Morgan Stanley Private Bank from 2017 to 2021. Prior to that, he served as a Financial Advisor at Merrill Lynch between 2015 and 2017 and at Morgan Stanley from 2012 to 2014. Outside of his professional work, Erich is interested in art, baseball, museums, parenthood, and reading.

Michael Munk is a Senior Financial Advisor at Merrill Lynch Wealth Management. He emphasizes developing portfolios that align with clients' goals and risk tolerance, utilizing a philosophy rooted in asset allocation to build diversified portfolios aimed at generating returns over time. His approach involves a comprehensive wealth management process that begins with understanding clients' financial situations, risk tolerance, and financial goals, both short and long term. Michael's expertise includes legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. His team delivers personalized service and customized financial strategies in areas such as wealth preservation and growth, income generation, cash flow consistency, advanced portfolio design, retirement planning, insurance planning, financial planning, wealth transfer, and philanthropic endeavors. His experience spans many financial situations and market cycles, allowing him to provide advice grounded in knowledge that aims to withstand market volatility. He holds a Bachelor's Degree from Excelsior College and holds professional designations including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Michael also participates in community volunteering, following the tradition of Merrill's involvement in the communities it serves.

Kelvin Tsui is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Fuel.Club Inc and Zhongsheng Yulin Forestry Development, and attended Stony Brook University. 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 supported by firm‑approved tools and models.

Janice Preko is a Series 66-credentialed financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked in education roles at Ghana International School and SOS Hermann Gmeiner International College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by structured discovery processes and firm-approved planning tools.

Eric Chin is a financial advisor at Morgan Stanley with five years of industry experience and holds a Series 66 designation. His prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, as well as teaching and educational roles at Fordham University, Bentley University, Kumon Educational, and Iona Preparatory School. He also serves as a trustee for a trust in Sarasota, Florida. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment analysis to deliver tailored financial strategies while offering a broad range of retail and institutional investment options.

Gregory Shevlin is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at JPMorgan Chase Bank, First Republic Securities, and Wells Fargo. He is based in White Plains, NY. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Colleen Cawley is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Goldman Sachs for five years. Outside of finance, she has experience in the hospitality industry and small business management. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Steve Kim is a financial advisor at Merrill with Series 63 and Series 65 credentials and two years of industry experience. He has worked with Merrill since 2019 and previously spent five years at Therapeutics Unlimited. 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 and profit-sharing plans, corporations, and charitable organizations.

David Barrett is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has worked with Cetera Investment Advisers since 2016 and with Cetera Financial Specialists LLC since 2005. Outside of his advisory work, he serves as the executor of his parents' wills. Cetera Investment Advisers is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes both affiliated and third-party managers.

Lissette Figueroa is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 14 years of industry experience. She previously worked at UBS Financial Services for five years before joining Wells Fargo in 2022. 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.

Peter Santiago is a financial advisor with Morgan Stanley in Purchase, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Prior to joining Morgan Stanley in 2025, he spent 21 years with Prudential Insurance Company of America and PRUCO Securities, LLC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client engagements and corporate financial planning agreements.

Robert Valdivieso is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, he is involved in managing a rental property in Miami, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Steven Gwon is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2007. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, providing both brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to guide investment analysis and asset allocation.

Mark Ellis is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Citi. Outside of his advisory role, Ellis serves as an arbitrator in investment and finance matters. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process leverages structured tools and modeling techniques, offering advisory services without individual security recommendations as part of standalone plans.

Melanie Powell is the Resident Director and Wealth Management Advisor at Merrill Lynch, overseeing advisory services and risk management in the West Nyack, New York office. In her role as a producing director and Vice President, she works closely with clients to understand their concerns and priorities and supports financial advisors in delivering client-centered services. Her expertise focuses on implementing wealth management strategies that emphasize portfolio construction aimed at reducing risk and minimizing taxes. Melanie holds several professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her Bachelor of Science degree in Economics with a concentration in Finance from the State University of New York at Oneonta. She participates in community activities, having been past president of the Broadacres Women's Golf League, and volunteers with local organizations such as the Center for Food Action and Habitat for Humanity. Melanie also engages with the community by offering investment education classes geared towards women investors. She resides in Bardonia, New York.

Robert Shamis is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently with Morgan Stanley in Paramus, NJ, where he has worked since 2017, including a role at Morgan Stanley Private Bank, N.A. from 2021. His prior experience includes positions at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process that incorporates risk and outcome modeling.

Eliezer Gewirtzman is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and nine years of industry experience. He has worked with Mass Mutual Investors Services since 2016 and with MassMutual Life Insurance Company since 2011. Outside of his advisory role, he is the board president of Yedei Chesed, Inc., an organization that supports developmentally disabled individuals, and he is also a partner in a company providing speech language therapy services. Mass Mutual Investors Services 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 programs, structuring client engagements as annual, collaborative processes using firm-approved analytical tools.

Mario Tripicchio is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and investment research.

Peter Sclavo is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 20 years of industry experience. He has been with LPL Financial since 2010. Outside of advisory services, he prepares personal tax returns and is a licensed real estate broker operating through Peter Sclavo LLC. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.