Winnie Chan is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model outcomes but does not provide individual security recommendations as part of standalone plans.

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.

Kevin Budds is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. He also has a background with Bank of America, where he has worked since 2011. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

George Oviedo is a CFP® professional with 17 years of experience in the financial industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2020, and previously at TD Ameritrade from 2016 to 2020. He holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options, combining integrated custody, brokerage, and advisory services.

Joshua Sucov is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, he worked at Bank of America NA and Merrill Lynch from 2017 to 2022 and operated as an independent advisor from 2013 to 2017. He is a trustee for multiple family trusts and a qualified account. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed solutions supported by a nationwide network of more than 23,700 financial advisors.

Richard Ditaranto is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked at LPL Financial since 2025 and has a long career including roles at Northern Advisory Group and SII Investments, Inc. Outside of advising, he owns a billboard rental business through JS Custom Construction. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through its network of investment adviser representatives.

James Kahrar is a financial advisor with Ameriprise in Wayne, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation and Ameriprise Financial Advisors Inc. He serves on the Board of Directors and Breakfast Committee at a local organization and works as an investment specialist managing portfolios for PCA Management Corp. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with specific asset thresholds, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory oversight to deliver tailored retirement income plans, primarily for clients maintaining assets in Ameriprise-managed accounts.

Louis La Medica is a Series 66-licensed financial advisor with 23 years of industry experience. He currently works at LPL Enterprise and has held prior roles at Prudential Insurance Company of America, Pruco Securities, LLC, Nationwide Securities, LLC, and other firms. He is also involved with Elite Financial Services, LLC and Medicare Planning Services, LLC in managing non-variable insurance and Medicare planning. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm primarily uses model-driven investment approaches and offers access to third-party asset managers, with additional services in insurance sales, trust custody, and collateralized lending.

Robert Lopinto is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2017. Prior to that, he was with Morgan Stanley and its affiliated entities for a decade. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet a net-worth threshold. The firm combines investment recommendations with planning tools and delivers services that can be implemented through brokerage or advisory programs on an optional basis.

Robert Marks is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has eight years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, TD Bank, and Foresters Financial Services. Outside of his advisory work, he is a partner in a student housing rental LLC, where he oversees operations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a variety of investors through discretionary and non-discretionary advisory services, model portfolios, and consulting, with unique capabilities including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Scott Nelson is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 63 designation and bringing 45 years of industry experience. Before joining Raymond James in 2024, he spent 11 years with UBS Financial Services Inc. He is also the owner of a property management business operating in New Jersey and Florida. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm emphasizes tailored financial planning and consulting, offering a variety of portfolio management styles and municipal advisory services.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Erik Saporito is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, and Merrill. Outside of his advisory work, he assists his spouse with an Etsy business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors.

Edward Timpone is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and market simulations to develop financial plans, managing approximately $2.74 trillion in client assets.

Paul Ciavarella is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and possessing 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, and Guardian, among others. Outside of his advisory work, he serves on the advisory board of the Wayne Lions Club and has an independent contractor role in the service industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Zoltan Herskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the wealth management industry. He has been with Merrill Lynch for 20 years and currently serves as the head of investment management for the H&H Group, where he develops equity, fixed income, and alternative investment strategies. Additionally, Zoltan acts as the syndicate coordinator for the Wayne branch, overseeing the distribution of initial public offerings (IPO) and secondary offerings to Merrill clients within the branch. Zoltan holds a Bachelor's degree from Hofstra University with a focus on business. His areas of expertise include college education planning, services for defined benefit plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds multiple professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born in Ukraine and raised in Brooklyn, Zoltan has lived in New Jersey for the past 15 years. Outside of his professional role, he enjoys baseball, chess, and music.

Jeffrey Wogel is a financial advisor at Charles Schwab with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated bank since 1996. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Steven Cohen is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding Series 63 and Series 65 licenses and with 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and substantial assets under management.