Marta Threlfall is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at BlackRock Investments, LLC. Marta is based in Paramus, NJ. 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 and financial planning services supported by structured discovery processes and firm-approved tools.

Azam Chaudry is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Merrill and Bank of America. He also spent two years at Sunbird Software Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Jacqueline Geary is a financial advisor with MassMutual Investors Services, holding CFP® and Series 63 designations and bringing 30 years of industry experience. She has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1997. Geary is also a member of Ravo Financial Strategies LLC, where she is involved in selling insurance and investment services. MassMutual Investors Services, LLC 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 and offers asset management, wrap and money-manager programs, and educational seminars.

Lawrence Perl is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he manages two vacation rental properties in Cambria, California. 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 and financial planning services supported by structured planning tools and proprietary investment modeling.

Yaakov Geller is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. Outside of his advisory work, he has been involved with organizations such as Temple Beth El of Northern Westchester and My Jewish Learning. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory capabilities with brokerage, distribution, and investment management functions.

Patricia Ela is a financial advisor at Cetera with 36 years of industry experience. She holds a Series 65 designation and has been with Cetera Wealth Services, LLC since 2013, continuing with Cetera since 2023. She is the owner of Ela Financial Group, Inc., a financial planning practice, and serves as board president of a local homeowners association. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating as a multi-manager platform with discretionary and non-discretionary options.

John Benigno is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to that, he worked at Bank of America, N.A. and Merrill from 2016 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis methods such as Monte Carlo simulations to support its planning process.

Maryann Lyon is a Series 66-licensed financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2009 and also has a longstanding association with Bank of America, N.A. since 2004. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Stacey Smith is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to assist clients in financial decision-making.

Anthony Cingire Jr. is a financial advisor with OSAIC, holding a Series 63 designation and 33 years of industry experience. He previously worked at Lincoln Financial Advisors for over 28 years. In addition to his advisory role, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers through multiple advisory platforms.

Amanda Gravina is a Financial Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Planning Consultant at Fidelity Investments from 2020 to 2024. In her current position, Amanda partners with clients to build and establish personalized financial plans tailored to their unique goals. She focuses on creating and maintaining relationships with individuals and their families to help them feel confident in growing and protecting their wealth. Outside of her professional work, Amanda has interests that include cooking and baking, family activities, fitness, food, and Pilates.

Joseph Coniglio is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has worked at LPL Financial (formerly Linsco Private Ledger) since 2006 and previously worked at Raymond James Financial Services from 2003 to 2006. He also operates Joe Coniglio Wealth Management, LLC, an investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 13 years of industry experience. She has been with Primerica Advisors since 2013 and Primerica Financial Services since 2012. In addition to her advisory role, Moore receives compensation for referrals related to home security and automation products through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

William Schwartz is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 credential and eight years of industry experience. He previously worked at UBS Financial Services, Inc. and Amalgamated Bank. Morgan Stanley Wealth Management serves individual and institutional clients by offering 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 provides services both directly and via corporate agreements.

Richard Urban is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 20 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012 and previously held roles at Merrill and RBC Capital Markets. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Minnis is a financial advisor with LPL Financial in Paramus, NJ, holding the CFP® designation and Series 66 license. He has 14 years of industry experience, with prior roles at New York Life, Charles Schwab, and Merrill. Minnis was also involved with Private Portfolio Partners, LLC, an independent firm where he worked during securities trading hours. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Todd Schroeder is a financial advisor with Cetera in Midland Park, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Columbia Bank, Allied Wealth Partners, and Securian Financial Services. Outside of his advisory work, he coaches wrestling five hours per week. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services utilizing multiple program platforms and a multi-manager approach.

Frank Scozzafava is a financial advisor with LPL Enterprise holding Series 63 and Series 65 registrations and over 33 years of industry experience. He has worked at Prudential Insurance Company of America since 1993 and has been with LPL Enterprise since 2024. Outside of advisory work, he is involved in health and disability insurance sales through affiliated organizations. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, while also facilitating insurance product sales through affiliated entities.

William Burke III is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a power of attorney for a family member, assisting with financial decisions. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Christopher Messler is a Private Wealth Management Investment Management Consultant at Fidelity Investments. In this role, he partners with clients and their Wealth Management Advisors to help implement and monitor investment strategies aimed at pursuing long-term investment goals. He has progressed through multiple roles at Fidelity Investments, including Investment Management Consultant I through III from 2022 to 2026, and Investment Solutions Representative from 2021 to 2022. Prior to joining Fidelity, he worked as a Registered Representative at Equitable from 2020 to 2021. Outside of his professional responsibilities, Christopher enjoys activities such as fishing, football, golf, skiing, soccer, and participating in social events with friends.