James Lugo is a financial advisor with Wells Fargo Advisors in Pearl River, NY, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Lugo is involved as a finance committee member with the Bergen County Players and is also an actor with Phoenix Rising Productions PRP LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers comprehensive financial planning and investment services, using proprietary research and planning tools to create tailored recommendations across a broad range of client needs.

Christopher Hormaza is a financial advisor at Equitable Advisors with a Series 66 credential and one year of experience in the industry. His prior work history includes roles at Blinds To Go, AT&T, and T-Mobile. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a variety of asset management programs through a broad network of Investment Adviser Representatives. The firm utilizes third-party asset managers and advisory programs, providing clients access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Yanhong Li is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at several firms including Axa Advisors LLC, First Heartland Consultants Inc., and MSI Financial Services, Inc. Li serves as a trustee for family trusts, including those for her husband and mother’s special needs, indicating involvement in personal fiduciary roles. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives, utilizing a range of third-party asset managers and advisory programs tailored to client risk profiles and objectives.

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.

Corrado Dell'aglio is a CFP®-designated financial advisor with Ameriprise, based in Valhalla, NY, and has 35 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Outside of advising, he serves as a principal of Valhalla Summit Associates Inc., a company involved in real estate lease holdings for Ameriprise advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach emphasizes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Seung Cho is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the CFP® designation and Series 63 and Series 65 licenses. Prior to joining his current firm in 2017, he worked at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Cho is also licensed as an insurance agent, offering 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 ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to analyze client goals and delivers written recommendations focused on investment categories and strategies.

Peter Ruvolo Jr. is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 66 licenses. He has 32 years of industry experience, including a 20-year tenure with Osaic Wealth and ongoing affiliation with Sanders Smith Ltd. Outside of his advisory work, he serves as president of Qualified Plan Solutions, a non-investment-related S corporation. Osaic Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering brokerage and advisory services, financial planning, retirement consulting, and managed account solutions. The firm employs asset-allocation tools and multiple third-party platforms to construct diversified portfolios and supports legacy program transitions.

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.

Jimmy Hernandez is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, JPMorgan Chase, and Edward Jones. 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, utilizing multi-asset model portfolios and centralized operational support.

Daniel Klippel Jr. is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at LPL Financial, First Hope Wealth Management, Raymond James Financial Services, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.

Osamah Mari is a financial advisor at Edward Jones with 26 years of industry experience. He previously spent 23 years at Alliance Capital before joining Edward Jones in 2024. Mari holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Brittney Secreto is a financial advisor with Cetera, holding a Series 63 license and 16 years of industry experience. She has worked with Cetera and its affiliates since 2019 and previously served at Foresters Financial Advisory Services LLC from 2010 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Ryan Coyle is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he works with high net worth individuals, families, and small businesses to prioritize and pursue their financial goals. He focuses on creating personalized wealth management strategies based on a comprehensive understanding of his clients' financial situations. Ryan specializes in areas including college education planning, personal retirement planning, and sports and entertainment. He develops investment strategies tailored to the needs and priorities of his clients with the aim of achieving financial stability. He holds a Bachelor's Degree from Fairfield University and is a Personal Investment Advisor (PIA). Outside of his professional work, Ryan enjoys cooking, football, golfing, ice hockey, and spending time with his family.

Glenn Fischer is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Joseph Costa is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 63 designation and over 50 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and associated with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured planning tools and scenario modeling, offering services primarily in an advisory capacity.

Marc Laxer is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including 24 years at Metlife Securities and over a decade with MassMutual and its affiliated entities. In addition to his advisory role, he is licensed to sell life and health insurance as well as fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring client engagements as annual collaborative relationships that emphasize goal analysis and strategic recommendations.

Timothy Cappadona is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2025, he worked at Bank of America and Merrill for nine years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Chad Greenholtz is a financial advisor with RBC Capital Markets in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with RBC Capital Markets since 2013, including a brief period at Janney Montgomery Scott in 2018. He serves on the Board of Directors of the Florida Municipal Bond Club, where he helps organize networking events and promotes professional standards in the municipal bond industry. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a variety of advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to each client’s risk profile and incorporating both in-house and third-party investment managers.