Suzanne Nicholson is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations with 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary investment models as part of its advisory approach.

Wayne Lettieri is a financial advisor with LPL Enterprise and holds the ChFC® designation and Series 65 license. He has 43 years of industry experience, including long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in the sale and servicing of property and casualty insurance and health and dental insurance in the Oradell, NJ area. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm uses a model-driven investment approach and offers access to third-party asset managers and insurance products through affiliated entities.

Jill Williams is a CFP® and ChFC® credentialed financial advisor with 23 years of industry experience. She has been with Ameriprise since 2018, following prior roles at Mass Mutual Investors Services and Metropolitan Life Insurance Company. Williams serves on a pro bono committee, contributing her time outside of her advisory duties. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering personalized, research-driven recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael White is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, tailoring investment strategies to clients' risk profiles while utilizing both in-house and third-party investment managers.

Luc Droal is a financial advisor at J.P. Morgan Securities with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with J.P. Morgan entities since 1995. Since 2012, he has been with J.P. Morgan Securities in New York, NY. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG criteria within its Eligible Strategies.

Sharon Schoenherr is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at BNY Mellon from 2007 to 2018 before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Christal Generoso is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and 12 years of industry experience. She previously worked at Stifel Nicolaus for seven years and served at New Jersey City University for nine years. Since 2020, she has been with Ameriprise in Colonia, NJ. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports through a centralized consulting team, supporting clients primarily within Ameriprise-managed accounts.

Thomas Leder is a CFA® charterholder with 29 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, N.A., where he has worked since 2020. His prior experience includes roles at Mass Mutual Investors Services and National Life Group. 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, supported by a centralized due diligence process.

Daniel Garden is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the CFP® designation and Series 66 license, and previously worked at UBS Financial Services from 2013 to 2025. Outside of his advisory role, he is responsible for overseeing tax compliance for an irrevocable life insurance trust. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides planning services focused on tailored financial solutions without individual security recommendations.

Jack Foley is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity Investments since 2017, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2025. Jack's approach focuses on collaboration and education, aiming to empower clients to make informed financial decisions through a partnership based on trust, transparency, and a long-term commitment to success. Outside of his professional career, Jack has personal interests that include football, golf, movies, music, snowboarding, and traveling.

Owen Zukovich is a financial advisor at Morgan Stanley in Morristown, NJ, with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has worked for Morgan Stanley since 2014, with a brief period at UBS Financial Services and earlier roles at GMS Group and Right Blend Investing. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual 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 uses structured planning tools and market simulations to support its advisory services.

Harry Neufeld is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding Series 63 and Series 65 designations and 35 years of industry experience. His prior work includes roles at Wells Fargo Advisors LLC, RBC Capital Markets Corporation, and J. B. Hanauer & Co. He also serves as a power of attorney for his parents in investment-related matters. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Giselle Cantada is a financial advisor at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley since 2009 and holds Series 63 and Series 65 licenses. 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.

Frank Poli is a financial advisor with J.P. Morgan Securities in Secaucus, NJ, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. Prior to his current role since 2017, he worked at UBS Financial Services, Financial Northeastern Securities, T. Rowe Price Advisory Services, and Equitable Advisors. Outside of advising, Poli is involved in residential real estate as an owner and landlord of multiple properties. 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, manager searches, and performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may include ESG criteria, supported by centralized due diligence and implementation services from affiliated entities.

Andrew Antinori is the Vice President and Branch Leader at Fidelity Investments, where he leads, coaches, and develops a team of branch associates to assist clients in achieving their evolving life goals. He has been with Fidelity Investments since 2005, progressing through various roles including Financial Representative, Investment Consultant, Financial Consultant, and Vice President Regional Planning Consultant before assuming his current position in 2021. Throughout his tenure, Andrew has gained extensive experience in financial planning and client consulting. His career reflects a steady progression of increasing responsibility within the firm. Outside of his professional role, Andrew is interested in fitness, social events with friends, outdoor adventures, traveling, and volunteering.

William O'Doherty is a financial advisor at Thrivent Investment Management with 23 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive goal-based planning on topics such as retirement, tax, estate, and special needs planning, delivered either as a one-time or ongoing engagement.

Jean Chung is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Jean partners with clients to develop strategies that address their short-, mid-, and long-term financial goals. Jean serves as a resource for general investing, retirement planning, and saving for unexpected needs, as well as facilitating access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jean’s client focus areas include college education planning, corporate executive services, divorce transition planning, executive compensation, and personal retirement planning. Holding the Personal Investment Advisor (PIA) designation, Jean completed an Accredited Certificate Program from DeVry University. Outside of work, Jean is involved with the Rotary Club of Tenafly and participates in community activities such as Feed the Streets, JA BizTown, and Passaic County Habitat for Humanity. Personal interests include basketball, football, golfing, hiking, pickleball, and tennis.

Chang Lee is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Ic Advisory Services Inc., MassMutual Life Insurance, and Raymond James Financial Services. Lee also operates a tax preparation and accounting service alongside his advisory role. 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.

Kevin Considine is a financial advisor with Ameriprise in Westwood, NJ, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Ameriprise and its affiliates since 2012. He also receives trail commissions from a small group disability insurance plan he originated with Unum. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, using a combination of research, modeling, and tax-efficient strategies to create personalized, non-discretionary recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Bellace is a Series 66-registered financial advisor with Morgan Stanley in Paramus, NJ, bringing 28 years of industry experience. He has been affiliated with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and analysis.