Brian Baird is a financial advisor at Raymond James & Associates with four years of industry experience. He previously worked for Moore Capital Management for ten years before joining Raymond James. Baird holds a Series 66 license. Raymond James & Associates 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, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Milla Krasnopolsky is a CFA® charterholder and holds a Series 66 license with eight years of industry experience. She has worked at Ameriprise since 2026 and previously spent nine years with INM Advisors, LLC. She is a 50% owner of INM Enterprises, LLC, an engineering company providing heating, A/C, insulation, and home services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, combining investment research and algorithmic tools to provide ongoing tax-aware withdrawal and income strategies.

Anna Abma is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Bank of America and Merrill since 2014. Anna was previously certified as a United Healthcare producer authorized to sell Medicare supplement insurance, though she has not sold new policies since starting at Bank of America. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joann Valle is a financial advisor at Merrill with 27 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 1987 and has been with Bank of America, N.A. since 2015. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Scott Doughty is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Cooney is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nalini Kelly is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked with PFS Investments Inc. and BASF Corporation since 2010 and has been with Primerica Financial Services since 2001. In addition to advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm selects third-party asset managers and oversees portfolio implementation while employing a tiered wrap fee structure.

Dawn Castro is a financial advisor at Stifel with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Stifel Nicolaus & Co Inc since 2019, following an 11-year tenure at RBC Capital Markets Corporation. Stifel serves a broad range of clients including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended to support client decision-making.

Rebecca Golembiski is a financial advisor at Ameriprise with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she owns a condominium unit in Delray, Florida. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written recommendation reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a centralized consulting team and algorithmic tools to generate tailored, non-discretionary retirement income recommendations.

Susan Davis is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Merrill. Outside of her advisory role, she is a sole proprietor involved in property management and a partner in a family-owned real estate entity. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm integrates structured planning tools and various investment strategies while managing approximately $2.74 trillion in client assets.

Christopher Cooney is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 22 years of industry experience. He previously worked at Invest Financial Corporation for 11 years and has operated Shipee's Pharmacy since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and providing access to model portfolios and research from various sources.

Sean O'Brien is a financial advisor with Primerica Advisors in Parsippany, NJ, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with Primerica Advisors since 2013 and previously spent nine years with Interstate Container. Outside of his advisory role, he is an independent packaging sales representative and serves as an executor for a client estate. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides custody and trade execution support through Pershing and BNY Mellon Advisors.

Joseph Vogler is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he is a partner and director of sales at Bergen Tele, a digital advertising business serving local companies. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Jake Barone is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Ocean Mist and held various roles outside finance, including positions at South Kingstown School District and Whalers Brewing Co. Outside his advisory work, Barone is involved with Braverhood, a community habilitation organization assisting individuals with disabilities. Morgan Stanley Wealth Management provides a broad range of advisory services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and approved tools but generally does not include individualized security recommendations as part of standalone plans.

Christopher Hormaza is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of experience with the firm. His prior work history includes roles at Blinds To Go, AT&T, and T-Mobile. Equitable Advisors serves a diverse range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through LPL-sponsored programs and multiple endorsed third-party managers.

Yanhong Li is a financial advisor with Equitable Advisors in Montvale, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Her prior roles include positions at AXA Advisors LLC, First Heartland Consultants Inc., AIG, Equity Services, Inc., and National Life Group. She serves as a trustee for her husband's trust and her mother's special needs trust. 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, offering both advisory and brokerage channels tailored to client goals, risk tolerance, and time horizon.

Annie Chen is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has a related role at MassMutual Life Insurance Co since 2016. Outside of her advisory work, she co-owns Eco Paper Products Inc., a business involved in the import and wholesale of paper bags. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning relationships.

Seung Cho is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services since 2017. He has held roles at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. since 2016 and 2015, respectively. In addition to his advisory work, Cho is also an insurance agent involved in individual life, property and casualty, health, and group health insurance. Mass Mutual 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 offers collaborative, annual financial planning engagements and a range of investment programs and educational seminars.

Gerard O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with the firm in 1999 and holds the Senior Vice President and Senior Financial Advisor titles. Gerard focuses on designing and implementing equity, fixed-income, and alternative investment strategies for retirement planning. He applies a goals-based approach to create comprehensive wealth management plans tailored to each client's objectives. Gerard also manages discretionary custom investment strategies and selects from a variety of Merrill model portfolios and third-party investment options. Gerard holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Montclair State University. Gerard collaborates with clients' attorneys, accountants, and other advisors on estate planning, financing strategies, and key transition events such as retirement, inheritance, and business sale. Residing in East Hanover with his family, Gerard has practiced martial arts for over 20 years and holds multiple black belts across eight disciplines. He competes in Isshin-Ryu, Jiu Jitsu, and Doce Pares tournaments. Gerard also has interests in baseball, boating, and football.

George Epitropakis is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, he worked at LPL Enterprise and PRUCO Securities, LLC. He has also been employed in non-financial roles, including positions at Mendham Golf and Tennis Club and Rutgers University. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers integrated planning services through its Financial Advisors and specialized groups.