Kirk Feret is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes positions at J.P. Morgan Securities and Chase Investment Services Corp. 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 with various investment strategies, supported by extensive operational and research tools.

David Posner is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 63 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Outside of his advisory role, he serves as an estate executor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and firm-approved tools, serving clients through both individual and corporate financial planning agreements.

Gregory Huether is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2018, following six years at J.P. Morgan Securities. 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 uses structured planning tools and proprietary return estimates in its process.

John Heintjes is a financial advisor with Cetera, holding the Series 63 and Series 66 designations and bringing 24 years of industry experience. His career includes roles at LPL Financial, Bank of America, Merrill, and Wells Fargo Clearing. He also manages JPH Wealth Management LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial relationships.

Ryan Carr is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, Credit Suisse, Citigroup, UBS, Bank of America Advisors, and Morgan Stanley. Outside of his advisory work, he serves as an officer for the Morristown Girls Soccer Boosters, where he helps organize team events and supervise practice sessions. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Frank Heter III is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Prior to joining Merrill in 2020, he worked in various roles including at Barnes & Noble and Euro Futbol Academy. Outside of his advisory work, he is involved with Vocal, a platform that offers cash prizes for writing competitions and revenue opportunities for content creators. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Blocker is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining Cetera, he worked at Avantax in various capacities for more than two decades. He also operates a CPA practice focused on tax preparation and accounting. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform with access to various investment strategies and program structures.

Kennith Bunis is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Paramus, NJ, and has 18 years of industry experience. He has worked with Wells Fargo Clearing since 2008, with a brief tenure at Merrill from 2010 to 2011. 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 both brokerage and advisory solutions.

Sean Conley is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and four years of industry experience. His prior work includes a role at Deloitte in 2021 and several years at Morgan Stanley and Morgan Stanley Private Bank, N.A. beginning in 2022. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Henry Liao is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise since 2005 and is involved in several nonprofit organizations, serving on the boards of Forefront and Foster the Family. He is also the founder of The Jubilee Experiment. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach includes a written Recommendation Report developed by a centralized service team, integrating investment research and third-party data to guide asset allocation and Social Security claiming options.

Jeffrey Dickinson is a CFP® with 26 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities from 2009 to 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is president and senior partner of Force Financial Associates, LLC, where he provides financial education and workshops to institutional clients. 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 comprehensive financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships with clients.

Jonathan Sot is a financial professional at Cetera with one year of industry experience and holds a Series 66 designation. His prior roles include positions at the University of Notre Dame and RMR Group, as well as work in insurance sales. He is also involved in financial services through Allied Wealth Partners alongside his advisory duties. Cetera Investment Advisers LLC serves individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and various program platforms. The firm operates a multi-manager platform with access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Samuel Rosenbaum is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He is currently an advisor at Raymond James Financial and previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley Smith Barney, and Stifel Nicolaus. Outside of his advisory roles, he has professional experience spanning educational institutions including George Washington University and Tulane University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and sponsors wrap-fee advisory programs alongside institutional consulting and portfolio management.

Mavi Thorpe is a financial advisor at Morgan Stanley with nine years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2018, Thorpe worked at Merrill for two years. Thorpe also manages a rental property outside of work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Thomas Brown is a financial advisor at Raymond James Financial with seven years of industry experience and a Series 66 designation. He previously worked at M Holdings Securities, INC. and Greenberg & Rapp Financial. Outside of his advisory role, he is involved with Eagle Rock Wealth Management, where he contributes to investment research, trading, and financial planning analysis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized capabilities in municipal finance and innovative retirement plan advisory services.

Kaitlin Ryan is a Series 66 licensed financial advisor with five years of industry experience. She has been with J.P. Morgan Securities since 2021 and also has experience at JPMorgan Chase Bank. Prior to her financial services career, she worked in retail at Madewell and in the restaurant industry. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to develop asset allocation recommendations, with clients retaining final decision-making authority.

Kulvinder Kaur is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. She combines her understanding of market cycles with firsthand knowledge of family small business operations to provide tailored financial guidance and strategic solutions. Her expertise covers areas including college education planning, corporate executive services, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, liquidity management, managing new wealth, portfolio management services, and small business strategies. Before transitioning to wealth management, Kulvinder held director-level roles in institutional finance at firms such as AVM/Norfolk Markets, Swiss Re Financial Markets, and Westdeutsche Landesbank Girozentrale, focusing on interest rate and cross-currency derivatives. She earned a Bachelor's degree in International Business from Hofstra University and an MBA in Finance from Baruch College. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kulvinder is involved in community service and supports organizations such as Bonnie Brae and TAARA.org. She speaks English, Hindi, and Punjabi. Her personal interests include hiking, pickleball, reading, table tennis, tennis, and traveling.

Adetomilola Adeyemo is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 license with seven years of industry experience. Prior to joining Morgan Stanley in 2019, Adeyemo worked at Baldwin & Obenauf and CO OP Brand Partners. Outside of advisory work, Adeyemo is the owner of Hello August LLC, a real estate-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and strategies.

Glenn Evans is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to a diverse client base. His clients include corporate executives in pharmaceutical, technology, and real estate sectors, business owners, attorneys, medical professionals, widows, members of the LGBTQ community, and extended families across more than 20 states. Glenn’s approach centers on understanding each client’s unique goals and challenges, with an emphasis on planning-based wealth management and legacy strategies. Before joining Merrill, Glenn held senior corporate development and strategy roles at Fortune 500 companies and served as a mezzanine lender to middle market businesses. He holds an MBA from Harvard Business School and a Bachelor’s degree from Amherst College. Glenn’s professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, Chartered Retirement Planning Counselor (CRPC™) designation, and Certified Plan Fiduciary Advisor (CPFA™) designation. He is an Advisory Member of the Association of African American Financial Advisors and serves as a Trustee of The Kappa Guide Right & Scholarship Fund of Montclair, supporting leadership development and scholarships for local high school seniors. In addition to his advisory work, Glenn contributes as a pro bono consultant to nonprofit organizations focused on arts and education and participates in the Harvard Business School Club of New York Community Partners Initiative. He resides in Livingston, New Jersey, with his daughter and enjoys activities such as biking, hiking, running, swimming, photography, music, genealogy, and traveling.

Cyril Yannarelli is a CFP®-designated financial advisor with Edward Jones, based in Clifton, NJ, and has 33 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1995. Yannarelli serves as a commissioner for the Paterson Housing Authority and is a board member of Mustard Seed Children/DR in Paterson, NJ, where he assists with fundraising and community support efforts. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory strategies, affiliated mutual funds, and additional financial services. The firm maintains a large network of advisors and branches and operates under a fiduciary standard.