Zhenyu Liu is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and eleven years of industry experience. He has been with JPMORGAN Chase Bank, N.A. and J.P. Morgan Securities since 2015 and previously taught at CUNY Queens College for two years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jennifer Civello is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning using structured discovery processes and advanced modeling techniques.

Adrien Ventura is a financial advisor at Merrill with eight years of industry experience, including prior roles at Loring, Wolcott & Coolidge and Bank of America, N.A. He holds the Series 66 designation and is based in Forest Hills, NY. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Grace Kim is a financial advisor with Primerica Advisors in Bronx, NY, holding a Series 63 designation and 15 years of industry experience. She has worked with PFS Investments Inc. since 2010 and Primerica Financial Services since 2009. In addition to her advisory role, she is involved in the sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm uses third-party asset managers and offers a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Judy Lev is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. She has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers investment services alongside estate planning and other financial solutions.

Michael Parnes is a financial advisor with Cetera, holding the PFS™ and Series 66 designations and bringing 19 years of industry experience. Prior to joining Cetera in 2025, he spent 17 years at Avantax Insurance Agency and Avantax Insurance Services, and he has operated his own CPA practice since 2001. Outside of advising, he is involved in tax preparation and accounting through his sole proprietorship. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base, including individuals, retirement plans, corporations, and charitable organizations. The firm offers a multi-manager platform with a range of portfolio management options and access to both affiliated and third-party managers.

Pat Zinnanti is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill. He also spent five years with Twenty Five Restaurant Group before entering the financial sector. 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, including tailored financial planning supported by structured processes and analytical tools, managing approximately $2.74 trillion in client assets.

Michael Kash is a financial advisor with Primerica Advisors, holding the CFP® and PFS™ designations, and has 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995. Outside of his advisory role, he serves as an executor for multiple estates. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selective separately managed accounts to individual and high-net-worth clients via a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, focusing on a tiered percentage-based fee model.

Michael Cox is a financial advisor at Stifel with 30 years of industry experience. He has held Series 63 and Series 65 licenses and has been with Stifel since 2007. Stifel serves a diverse range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing forward-looking capital market analysis and asset allocation guidance.

Michele Irby is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2017. Her prior experience includes employment at the U.S. Census Bureau and CUNY. In addition to advisory services, she is involved in sales of loan products and home security referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Juliette Carman is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, she worked at Ankura Consulting and held positions at Villanova University and St. Anthony's High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a variety of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved planning tools.

Christopher Beatrice is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. Prior to joining J.P. Morgan Securities in 2018, he worked at Scottrade Investment Management for 14 years. Outside of his advisory role, he serves as an umpire for youth baseball and softball through the East Coast Umpires Association and is a partial owner and secretary of ABC Vending. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its recommendations.

Taylor Goepfert is a financial advisor at Morgan Stanley with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its Private Bank since 2018, including a brief period away from the industry. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in assets and delivers services through a combination of direct client relationships and corporate financial planning agreements.

Eric Scaturro is a financial advisor at Charles Schwab with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014 and 2015, respectively. 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 management through its integrated broker-dealer and investment adviser platform.

Daniel Scansaroli is a financial advisor at UBS Financial Services with five years of industry experience. His prior roles include positions at BlueMountain Capital Management LLC and J.P. Morgan Chase & Co. He holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Janet De Rosa is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. Her career includes roles at Fidelity Investments and TD Ameritrade before joining Charles Schwab and Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

John Murphy is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2012. In this role, he partners with high net worth clients to develop financial plans and support their long-term goals. Prior to joining Fidelity, he worked as a Financial Consultant at Maxim Group from 2011 to 2012. With over a decade of experience in financial consulting, John provides guidance tailored to clients of varying levels of investment knowledge, from novices to sophisticated investors. He holds a California Insurance License, which supports his ability to offer comprehensive financial advice. John emphasizes creating a comfortable and trustworthy environment that prioritizes clients' interests. His approach ensures clients have confidence in the advice and support they receive throughout their financial planning journey.

Tracy Baluyot is a financial advisor with Morgan Stanley in Garden City, NY, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at J.P. Morgan Chase Bank and J.P. Morgan Securities from 2016 to 2025. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct plans and Corporate Financial Planning agreements.

Jonathan London is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2012 to 2020. Beyond his advisory role, he serves as Co-Chair on the Board of Directors for Gotham NextLevel. Ameriprise is a large institutional firm offering a retirement-income planning service tailored to clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide personalized, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Daniel Brown is a financial advisor with Morgan Stanley in Garden City, NY, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual plans and Corporate Financial Planning agreements.