Tiffany Ramos is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several notable firms, including Bank of America, Merrill, NYLIFE Securities, and HSBC Bank USA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Frank Daguanno is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Everbank, and his own LLC. Outside of his advisory role, he serves as an executor for estates and operates a tax preparation business. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, corporations, and nonprofit organizations, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Sarah Aly Mahrous is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. She has worked at JPMorgan Chase Bank, N.A. since 2021 and previously worked at PNC Bank from 2017 to 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Daniel Murray is a CFP®-certified financial advisor with Edward Jones, based in Pompton Lakes, NJ. He has 16 years of industry experience, including 13 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Crista Mckenna is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at Sii Investments and OSAIC Wealth, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing brokerage and advisory services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions utilizing model portfolios, third-party subadvisors, and customized strategies.

John Bergen is an advisor with Mass Mutual Investors Services holding a Series 66 designation. He began his career in the financial industry in 2026 after prior experience in education and retail. Mass Mutual Investors Services, LLC is an SEC-registered investment adviser and broker-dealer subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by analytics and offers specialized programs such as divorce and estate-settlement planning.

Samuel Britton is a Senior Financial Advisor with nearly thirty years of experience in the financial services industry. Beginning his career in 1995 at a small independent company, Samuel expanded his expertise by transitioning to a full-service brokerage firm to provide a wider range of investment options and services. He currently works with a team to support clients in estate planning, insurance, and wealth management through Merrill Lynch Wealth Management. Samuel's areas of specialization include college education planning, family wealth management strategies, defined benefit plan services, personal retirement planning, portfolio management, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Nutley High. Beyond his professional work, Samuel is involved in community volunteering and enjoys adventure sports, dancing, and skydiving in his personal time.

Neil Condon is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill 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. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Tracey is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2014 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Peter Martin is a Series 66-licensed financial advisor with UBS Financial Services in Paramus, NJ. He has 25 years of industry experience, including 20 years with UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, discretionary and non-discretionary portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

James Truman is a financial advisor at LPL Enterprise with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Prudential Insurance Company of America since 1981. His other business activities include involvement in property and casualty insurance brokerage. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers access to third-party asset managers and wrap programs, alongside affiliated trust, insurance, and lending services.

Miguel Munoz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides personalized wealth management advice and guidance to affluent families, corporate executives, professionals, business owners, and institutions. Miguel and his team utilize a goals-based wealth management process designed to help clients identify their objectives, structure wealth according to individual or family legacy plans, and maintain disciplined investment approaches during periods of market volatility. They also collaborate with non-profit and for-profit institutional clients on retirement, benefit planning, and philanthropic investment guidance. Miguel brings extensive experience in financial services, focusing on wealth management, trust and estate planning, business succession, capital preservation and growth, income generation, education and retirement planning, as well as exploring opportunities in alternative investments. He holds multiple professional designations, including Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), Certified Trust and Fiduciary Advisor (CTFA), and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor's Degree from Montclair State University and is fluent in both English and Spanish. Outside of his professional commitments, Miguel is involved with several organizations such as the Hispanic Organization for Latino Advancement, Lambda Sigma Upsilon National Fraternity, Latinos Simpre Unidos Foundation, MSU Alumni Association, and Tri-Alpha Honor Society. He also participates in community activities with Habitat for Humanity. His personal interests include adventure sports, dancing, football, music, spending time with his family, and traveling.

Simon Kong is a Financial Advisor at Merrill Lynch Wealth Management. He provides investing advice and access to Bank of America for banking and lending needs, focusing on creating personalized investment strategies aligned with clients' goals. Simon specializes in college education planning, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, and retirement income. He holds a Bachelor's Degree from Rutgers University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Simon is fluent in Korean and English. He has been involved with Pilgrim Pines Camp and Retreat Center as a former board member. Outside of work, Simon enjoys baseball, photography, pickleball, spending time with his family, and watching movies.

Alan Rizzuto is a CFP® with 36 years of industry experience, currently working at Wells Fargo Clearing since 2016. Prior to that, he spent seven years at Wells Fargo Advisors LLC. He serves as a trustee for a family trust outside of his advisory role. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Paul Dussard is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 credentials and with 19 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007 and also has been involved in Western Logistics, Inc. since 2001. Outside of advisory work, he receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets across nearly 3,700 advisors and delivers advisory services primarily through model-driven strategies created by unaffiliated asset managers.

Andrew Craig is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research, underwriting, and capital markets services.

Steven Summa is a CFP® professional with 28 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2013. He is also an independent insurance agent and owns Delorme and Summa Financial in Montvale, NJ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, trusts, and estates. The firm offers a range of services from financial planning to investment management through a network of independent financial professionals and provides multiple investment platforms and model strategies tailored to client objectives.

John Langdon is a financial advisor with Cetera, holding a Series 63 designation and over 41 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Langdon is involved in several nonprofit and community organizations, including board positions with the St. Joseph’s High School Foundation and the Brothers of the Sacred Heart Foundation, as well as advisory roles with charities supporting families affected by pediatric cancer. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, using a multi-manager platform that includes affiliated and third-party models, discretionary and non-discretionary account management, and various program structures.

Ryan Marshall is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Cetera and has held roles at Ela Financial Group Inc. and Cetera Wealth Services, LLC. Marshall serves as co-chair of a mentorship program at Montclair State University that supports business school students in their career development. Cetera Investment Advisers LLC provides services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

David Maschio is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding a Series 63 designation and 26 years of industry experience. His prior work includes positions at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company. He is also an independent insurance agent specializing in fixed annuities and life, accident, and health insurance. 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 financial planning, asset management, and educational seminars, emphasizing collaborative planning using firm-approved analytical tools without discretionary authority.