Jeffrey Smith is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018. His prior experience includes roles at Invest Financial Corporation and Affinity Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and retirement advice services, utilizing both proprietary model portfolios and third-party strategies across a variety of investment approaches.

Aarushi Pathak is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her previous roles include positions at JP Morgan Chase Bank, Prudential Insurance Company of America, and Pruco Securities LLC. She has been with Merrill and Bank of America since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutions. The firm provides model-based and discretionary investment strategies constructed by internal and third-party teams, supported by comprehensive trade execution and account administration.

Theresa Kroom is a financial advisor at Morgan Stanley with 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 2005 to 2009. Outside of her advisory role, she is involved in selling homemade crafts. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Anthony Karabas is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and bringing 37 years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2016. In addition to his advisory role, Karabas is licensed as an agent selling life, health, property and casualty, disability, Medicare-related products, fixed annuities, long-term care insurance, and group life insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a structured, collaborative planning approach using analytical tools, offering various programs including investment management and educational seminars.

Michael Russo is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Wells Fargo Advisors since 2016 and previously held positions at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory role, he manages the Mike Anthony Group, an investment-related business based in Staten Island. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Brian Norton is a financial advisor at Morgan Stanley with 17 years of industry experience. He has worked at Morgan Stanley since 2020 and was previously with UBS from 2016 to 2020. In addition to his advisory work, he serves as a referee for a recreational sports league in Hoboken, NJ. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing 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 using firm-approved tools.

Vidhi Sonani is a financial advisor at Mass Mutual Investors Services with four years of industry experience. She holds the Series 66 designation and has worked at UBS and Kearfott Corporation. In addition to her advisory role, she is a licensed realtor with United Real Estate North Jersey, assisting clients with buying and selling homes. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented financial planning using firm-approved tools and offers event-driven planning programs including divorce and estate settlement services.

Erica Metz is a CFP®-credentialed financial advisor with eight years of industry experience, currently practicing at Raymond James Financial Services Advisors, Inc. She previously worked at Boston Private and is the owner of Money At Work LLC, where she dedicates significant time meeting with clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.

Rochelle Forster is a financial advisor with Equitable Advisors in Edison, NJ, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with Equitable Advisors since 2009 and previously worked at AXA Advisors, LLC. Outside of her advisory role, she is a member of Dergalis Associates, LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs, including third-party asset managers and firm-offered solutions, focusing on matching clients with appropriate investment models based on personal and plan information.

Wai Kit Tsin is a financial advisor at Edward Jones in Millburn, NJ, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Societe Generale for two years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products. The firm is known for its extensive advisor and branch network and provides services under a fiduciary standard.

Alec Hardy is a CFP® and ChFC® with 10 years of experience in the financial services industry, currently serving at Mass Mutual Investors Services since 2017. Prior to this, he worked at MSI Financial Services and MassMutual Life Insurance Company. He is also an independent insurance agent specializing in fixed insurance products, including life, disability, long-term care, and health insurance. 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 offers collaborative, goal-focused financial planning engagements supported by firm-approved analytical tools and a variety of investment and insurance implementation options.

Nina Derosa is a financial advisor at Morgan Stanley with 14 years of experience in the industry. She holds the Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Anthony Curcio is a financial advisor with Wells Fargo Advisors in Warren, NJ, holding a Series 63 designation and 32 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also serves as a trustee for APC Capital Corp's 401(k) plan. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that cover retirement, education, risk management, and specialized areas such as business-owner transition and special-needs planning. Advisors develop tailored recommendations using firm research and planning tools, with implementation options available through brokerage or advisory programs.

Justin Bowers is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 22 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2022. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Christopher Conroy is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 2004 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in film production, specifically a Netflix movie project titled "Little Brother." UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans using proprietary research and model-based asset allocations.

Christopher Colvin is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include positions at HSBC Securities and Axa Advisors, as well as self-employment as a trader. Colvin serves as volunteer treasurer for a local Girl Scouts troop, performing bookkeeping duties. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to deliver investment solutions, serving both non-high-net-worth and high-net-worth clients.

Michael Rose is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Royal Alliance Associates, Inc. since 2018. Prior to that, he spent over two decades at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. His background includes work as a financial consultant and insurance agent. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and multiple program options.

Christopher Gribble is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., UBS Financial Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, supporting clients who retain final decision-making authority.

Aidan Mc Kenna is a Series 66 licensed financial advisor with J.P. Morgan Securities, where he has worked since 2026. His prior experience includes roles at JPMorgan Chase Bank, Clearbridge Investments, and American Portfolios Financial Services. He also has a background related to Bucknell University and the Port Jefferson Country Club. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a forward-looking approach to portfolio construction.

Joseph De Marzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2006, he has developed a comprehensive understanding of the firm's resources beginning with his work in Operations, before transitioning to a financial advisory role. Joseph serves small businesses, families, and individuals, focusing on creating personalized financial strategies to help clients meet their long-term goals. His expertise includes college education planning, retirement and estate planning, insurance solutions, equity compensation services, and managing new wealth. He collaborates with a team of Merrill specialists to provide comprehensive wealth management solutions, including access to banking, mortgage, and credit products through Bank of America. Joseph's approach emphasizes tailored strategies based on clients' risk tolerance, time horizons, liquidity needs, and investment goals. Joseph holds a Bachelor of Science degree from Fairfield University and a Master of Business Administration from Seton Hall University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A fourth-generation resident of Madison, New Jersey, Joseph lives there with his wife and two children. He contributes to his community as the head coach of the Madison Junior Football Varsity Team and as an Auxiliary Officer with the Madison Police Department.