Lynn Delprado Araneta is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with OSAIC. She was previously with Signator Investors, Inc. for 37 years before joining Royal Alliance Associates, Inc. in 2018. In addition to her advisory roles, she is involved with ACORN Financial Services Inc., focusing on retirement, insurance, investment, and college education planning, as well as term and universal life insurance brokerage. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, affiliate network, and private-equity ownership.

Lauren Difabritis is a financial advisor at Cetera with 17 years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services, INC., and currently operates Robert DiFabritis & Co. in addition to her role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a variety of program structures and custodial relationships.

Patrick Tierney is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1998, bringing 24 years of experience in financial services. He specializes in guiding and advising clients on wealth management strategies aimed at helping them pursue their financial goals. Patrick focuses on maintaining moderate risk in investment portfolios while pursuing absolute returns and maximum diversification. His expertise includes areas such as college education planning, executive and equity compensation, family wealth management strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. As a Senior Portfolio Manager, Patrick manages his own discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick holds a Bachelor's Degree from the University of Scranton and holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Alternative Investment Analyst (CAIA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Patrick spends time volunteering in his community and enjoys basketball, music, reading, and spending time with his family.

Robert Neill is a financial advisor with Morgan Stanley in Morristown, NJ, holding the Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2017. Outside of his advisory role, he serves as a board member for the Borough of Point Pleasant Beach Board of Adjustment. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual 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.

Matthew Tantleff is a financial advisor at UBS Financial Services with five years of industry experience. He holds the Series 66 designation and has prior work experience at Monmouth University and Bernards High School. UBS Financial Services Inc. provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management offerings. The firm delivers advisory work through a network of Financial Advisors who use proprietary research and model-based asset allocations tailored to clients' goals and risk tolerances.

Linda Gelson is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 42 years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at UBS Financial Services for 11 years. Her other business activities include involvement with multiple trusts and an estate in New Jersey and Nevada. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, with a focus on tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist clients in developing financial plans.

Lyle Beck is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo since 2016. Outside of his advisory role, he serves as a co-trustee and holds power of attorney for his mother. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Melissa Politi is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2010. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Alex Kaufman is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He previously worked at Citigroup for seven years before joining J.P. Morgan in 2022. Kaufman is also employed by JPMorgan Bank, where he can offer banking products and services alongside his advisory role. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may include ESG considerations, with certain portfolio services offered by affiliated entities.

Drew Rosenfeld is a Wealth Management Advisor at Merrill Lynch Wealth Management. He assists clients in managing various aspects of their financial lives, from daily transactions to long-term strategies tailored to their defined objectives. His approach incorporates liability management, estate planning, tax minimization, and philanthropic strategies into comprehensive investment advice, creating thoughtful overall financial plans. Drew holds multiple professional designations including the Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®), and Chartered Retirement Planning Counselor™ (CRPC™). He is a qualified Senior Portfolio Advisor who manages custom investment strategies on a discretionary basis, utilizing Merrill Lynch Wealth Management model portfolios and third-party investment options. Drew earned his bachelor's degree in finance from The College of New Jersey, where he also played basketball for four years prior to joining Merrill Lynch in 2007. Outside of his professional work, Drew is involved in his children's schools and enjoys activities such as basketball, golfing, music, yoga, and spending time with his family.

Peter Christus is a financial advisor with Morgan Stanley, holding Series 63, Series 65, and Series 66 designations and bringing 46 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Mitchell Feldman is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. His work history includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Americas Health Brokers Inc. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers services such as financial planning, access to asset managers, and insurance product sales through affiliated entities.

Nicholas Conturso is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 credential and bringing 25 years of industry experience. He has been with Morgan Stanley and its related entities since 2002, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Prior to that, he worked at Citigroup Global Markets for three years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by firm-approved tools and analyses.

Rosanna Vizzoni is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. She has previously worked at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Vizzoni also owns two small property construction and renovation businesses. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, leveraging research and analytics to support diversified investment approaches.

Shaun Freeman is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 63 designation and bringing 30 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He is also involved in a trust-related business activity based in Brooklyn, New York. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and investment committee models.

Michael Wade is a Series 66-licensed financial advisor with LPL Financial in Chester, NJ, bringing 12 years of industry experience. He previously worked at 1st Global Advisors, Inc. and 1st Global Capital Corp for five years and has been involved with Caristia Kulsar Wade LLC since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by a large network of advisors and a variety of investment strategies and operational tools.

Kurt Kleinle is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2013, following eight years at Janney Montgomery Scott. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary framework. The firm’s advisory process integrates both quantitative and qualitative research supported by a centralized due diligence team.

Richard Miktus is a financial advisor with Raymond James Financial Services Advisors, Inc. in Morristown, NJ. He holds Series 63 and Series 66 licenses and has 16 years of industry experience. His prior experience includes roles at Merrill Lynch, Bank of America, HSBC Securities, and TD Ameritrade. He is also associated with 1792 Wealth Advisors LLC as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Barry Mendelsohn is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing customized financial strategies for high-net-worth individuals, their families, and businesses to help meet both short- and long-term financial objectives. Barry works collaboratively with clients to create tailored investment plans that align with their unique goals, preferences, and risk tolerance. With a career in financial services starting in 1985, Barry is a qualified Portfolio Manager who manages personalized strategies that may include individual securities, Merrill model portfolios, and third-party investment options. He holds FINRA Series 7, 63, and 65 registrations, as well as Life/Health, Annuity, and Long Term Care Insurance licenses. Barry earned his Bachelor of Science degree in Chemistry from The City College of New York and has pursued graduate studies at St. John's University, Adelphi University, and Fairleigh Dickinson University. Barry emphasizes a consultative approach by listening carefully to clients, providing objective advice, and coordinating with other professionals such as attorneys and CPAs when requested. His professional designation includes Personal Investment Advisor (PIA).

James Fahey Jr. is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management based in Bedminster, New Jersey. He serves a diverse clientele including executives, healthcare professionals, retirees, and business owners, providing guidance on retirement planning, concentrated stock positions, equity compensation, and complex wealth management decisions. As a U.S. Navy veteran, James brings decades of experience to his role. He holds several professional designations, including Chartered Life Underwriter (CLU), Accredited Asset Management Specialist (AAMS), and Certified Plan Fiduciary Advisor (CPFA), among others. James advises retirement plan sponsors and fiduciaries on plan governance and best practices, emphasizing clear and practical financial guidance. He completed an Accredited Certificate Program from the College for Financial Planning. James is active in professional organizations such as the Greater Middlesex Somerset County Estate Planning Council and the Somerset County Business Partnership. He maintains community involvement with institutions including Blair Academy, Fordham University, Lafayette College, and Lehigh University.