Theresa Kroom is a financial advisor at Morgan Stanley with 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 2005 to 2009. Outside of her advisory role, she is involved in selling homemade crafts. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Equitable Advisors for 15 years before joining Cambridge in 2013. Outside of his advisory role, Mallick serves as a board member director for a medical device distribution company based in India and operates an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion-dollar asset base across multiple platforms and custodians.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Brian Norton is a financial advisor at Morgan Stanley with 17 years of industry experience. He has worked at Morgan Stanley since 2020 and was previously with UBS from 2016 to 2020. In addition to his advisory work, he serves as a referee for a recreational sports league in Hoboken, NJ. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools.

Wai Kit Tsin is a financial advisor at Edward Jones in Millburn, NJ, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Societe Generale for two years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory strategies and affiliated investment products. The firm is known for its extensive advisor and branch network and provides services under a fiduciary standard.

Nina Derosa is a financial advisor at Morgan Stanley with 14 years of experience in the industry. She holds the Series 66 designation and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jeffrey Miller is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at American Portfolios Financial Services, Inc. and OSAIC. Outside of advisory work, he is a notary for the State of New Jersey and is involved in insurance sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Justin Bowers is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 22 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2022. Raymond James & Associates, Inc. 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, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Shawn Tighe is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial, having joined in 2023, and previously worked at Raymond James and Associates and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, utilizing both proprietary and third-party model portfolios, with a platform notable for its scale and diverse financial services alongside its advisory offerings.

Kerry Carlo is a financial advisor at Merrill with 15 years of industry experience and holds a Series 66 designation. He has been with Merrill since 1996. 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.

Christopher Conroy is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 2004 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in film production, specifically a Netflix movie project titled "Little Brother." UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans using proprietary research and model-based asset allocations.

Christopher Colvin is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include positions at HSBC Securities and Axa Advisors, as well as self-employment as a trader. Colvin serves as volunteer treasurer for a local Girl Scouts troop, performing bookkeeping duties. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to deliver investment solutions, serving both non-high-net-worth and high-net-worth clients.

Brian Langan is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Michael Rose is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Royal Alliance Associates, Inc. since 2018. Prior to that, he spent over two decades at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. His background includes work as a financial consultant and insurance agent. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and multiple program options.

Jean Choiniere is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services and Wealthspring Financial Partners LLC. Outside of his advisory work, he holds a junior advisor role at Wealthspring Financial Partners LLC where he prepares financial plans and manages client portfolios. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management solutions and financial planning services through a large nationwide network of independent advisors.

Christopher Gribble is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., UBS Financial Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, supporting clients who retain final decision-making authority.

Joseph De Marzo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 2006, initially working in the Operations area where he developed an understanding of the firm's resources and how to leverage them for client service before transitioning to a Financial Advisor role. Joseph works with families, individuals, and business owners to address the complexities of financial planning. He collaborates with a team of specialists to provide solutions in long-term financial strategies, trust and estate services, insurance, retirement planning, as well as wealth management banking, mortgage, and credit services through Bank of America. His client focus areas include college education planning, divorce transition planning, equity compensation services, family wealth management strategies, and small business strategies. He holds a Bachelor of Science degree from Fairfield University and a Master of Business Administration from Seton Hall University. Joseph is a CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is actively involved in his community as an Auxiliary Officer for the Madison Police Department and coaches Madison Junior Football. Joseph resides in Madison, New Jersey, where he is a fourth-generation resident, with his family.

Antonia Arena is a Financial Advisor based in Morristown and Short Hills, serving individuals, families, and business owners. She began her career in wealth management in 2020 and established her own practice in 2023 after gaining experience supporting a team at Merrill Lynch Wealth Management. Antonia specializes in investment management, retirement planning, and estate planning services, focusing on aligning financial decisions with clients' long-term objectives. She holds a Bachelor's degree in Finance from Ramapo College, where she was actively involved in the Investment Club and continues her engagement as a member of the Ramapo Alumni Business Board. Antonia has attained the Certified Plan Fiduciary Advisor® (CPFA®) designation and holds credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). She is a member of Merrill's Christian Advisor Group and the Financial Women's Association. In addition to her advisory work, Antonia operates a high-end clothing resale business on Poshmark. Raised in Holmdel, New Jersey, she attributes her strong work ethic and entrepreneurial spirit to her upbringing. Antonia is also involved in community initiatives such as Hope For Children.

Stephen Bernstein is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 provides services both directly and through corporate financial planning agreements.

Robb Hageman is a financial advisor at Mass Mutual Investors Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2019, following prior roles at MassMutual Life Insurance and Ameriprise Financial Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.