Rebecca Leite is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2018 and Morgan Stanley Smith Barney since 2014. Outside of her advisory role, she is a sole proprietor involved in property management. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a broad range of advisory programs, including tailored financial planning supported by the firm's structured discovery process and advanced modeling tools.

Arjan Kolic is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with nine years of industry experience. His prior roles include six years at UBS Financial Services and involvement in background acting and restaurant work during career breaks. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutions with a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Robert Clear is a financial advisor at RBC Capital Markets with 47 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2020. His prior roles include positions at Bank of America and Merrill Lynch. Outside of his advisory work, he and his wife jointly own a vacation property in Isle of Palms, South Carolina. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and offers access to in-house and third-party investment managers and alternative investments.

Timothy Irving is a financial advisor with RBC Capital Markets LLC in Florham Park, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with RBC Capital Markets since 2011. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Matthew Kroll is a financial advisor with LPL Financial holding a Series 66 designation and three years of industry experience. His career includes positions at Novartis Federal Credit Union and CUNA Mutual Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Philip Ortolani is a Senior Financial Advisor with Merrill Lynch Wealth Management. He also serves as a Managing Partner of Ortolani, Wong and Associates. Mr. Ortolani has been in the financial services industry since 1985, focusing on developing strategies for high-net-worth individuals, their families, and their businesses to meet both short- and long-term financial goals. Mr. Ortolani holds a Bachelor of Science in Business Administration from Villanova University and earned a Master of Business Administration in Finance from Fairleigh Dickinson University. His areas of expertise include personal retirement planning, legacy planning, portfolio management services, and retirement income. He holds the designation of Personal Investment Advisor (PIA). Residing in Chatham, New Jersey with his wife and three grown children, Mr. Ortolani participates in community activities including the Corpus Christi Parish Community Soup Kitchen and Habitat for Humanity. He is also a member of the Villanova University North Jersey Alumni Association. In his personal time, he enjoys golfing, hiking, skiing, traveling, and watching movies.

John Hemmens serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he collaborates closely with retirement plan benefit committees and plan participants. In his role, he provides strategies aimed at increasing confidence in financial planning and retirement outcomes. John's expertise encompasses divorce transition planning, employee benefits planning, institutional and corporate benefit services, investment consulting for defined contribution plans, and retirement income solutions. John holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is part of a select group of Merrill advisors qualified as a Retirement Benefits Consultant, offering access to fiduciary services to 401(k) plans. John also manages personalized and defined investment strategies for individual clients, which can include individual securities, Merrill model portfolios, and third-party investment strategies. He earned both his Bachelor's and Master's degrees in Finance and Investments from Rutgers University. Outside of his professional responsibilities, John enjoys skiing, golfing, tennis, biking, fishing, gardening, music, soccer, and traveling. He actively supports his daughters' school and athletic activities and participates in community and charitable initiatives in the communities he serves.

Elizabeth McNeilly is a financial advisor with Morgan Stanley who holds a Series 66 credential and has eight years of industry experience. She previously worked at BNY Mellon before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2020. Outside of her advisory role, she serves as president of Wealth Wise Strategies, Inc., and holds board positions including Vice Chair of the Rutgers University Foundation and membership on the advisory board of Tech Council Ventures. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct and employer-sponsored financial planning arrangements.

John Sullivan is a CFP® and PFS™ credentialed financial advisor with 35 years of industry experience. He is currently with Cetera and has previously worked at Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory work, he is a member of Bonji Bowls LLC, a business owner. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures.

Christopher Gillan is a financial advisor with Ameriprise in Morristown, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of advising, he serves as president of the board of directors for Partners in Business and is involved in alternative energy supply and independent insurance brokering. He also pursues acting in his spare time. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets and provides a range of advisory, brokerage, and insurance solutions through affiliated companies. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations that integrate tax efficiency and adaptive withdrawal strategies.

Monica Trinidad Lui is a Series 66-licensed financial advisor with Morgan Stanley, based in Morristown, NJ. She has 24 years of industry experience and has worked at Morgan Stanley and Merrill during her career, returning to Morgan Stanley in 2021 after a previous four-year tenure. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial and estate planning. The firm employs a structured planning process that uses firm-approved tools and models to help clients develop financial strategies.

Samantha Burany is a financial advisor at RBC Capital Markets with eight years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Cetera Advisors, Nicholas Pascarella, and Hennion & Walsh. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a mix of in-house and third-party managers, supported by integrated capital markets and affiliated asset management capabilities.

Greg Skoric is a Financial Consultant at Fidelity Investments, a position he has held since 2020. In this role, he focuses on understanding clients' unique life circumstances and objectives to develop tailored financial plans. He emphasizes an ongoing planning process to adapt to changes in clients' lives. Prior to his current role, Greg worked as a Wealth Planning Specialist at UBS from 2015 to 2020 and as a Wealth Advisor Associate at Morgan Stanley from 2012 to 2015. Through these roles, he gained experience in wealth planning and advisory services. Greg approaches financial consulting by discussing clients' situations in detail and utilizing wealth planning skills along with Fidelity's tools and resources to work toward clients' goals.

Jennifer Hutchison is a financial advisor with Primerica Advisors in Mountain Lakes, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has worked at Primerica and affiliated firms since 1998. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven portfolio strategies managed by unaffiliated asset managers and supported by custodial services from Pershing.

Dawn Sakolsky is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at LPL Financial since 2008, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Dawn also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plans, banks, and institutions.

Dorothea Accetta is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2008. 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, and manages approximately $2.74 trillion in client assets.

Lawrence Rosati is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has held roles at Wells Fargo Clearing Services LLC since 2019 and at Morgan Stanley and Morgan Stanley Private Bank since 2014 and 2015, respectively. Outside of his advisory work, he serves as power of attorney for his wife. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Francis Dunn is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for seven years. Outside of his advisory role, Dunn provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals and supports a broad network of advisors and affiliated firms.

Andrew Lieb is a financial advisor at Stifel in Morristown, NJ, holding Series 63 and Series 65 licenses with 38 years of industry experience. He has been with Stifel since 2007. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach uses proprietary methodologies developed by its Investment Strategy Group to provide asset allocation and planning analyses, which serve as a basis for client decision-making.

Heather Hado is a financial advisor at Morgan Stanley with 21 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2004. Her credentials include the Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes.