Ryan Duffy is a Wealth Management Advisor and a founding member of the Windsor Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1994, bringing over 36 years of industry experience to his role. Ryan oversees all aspects of his team's operations, including strategic planning, the wealth management process, investment strategies, and client service, focusing on legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His approach includes a thorough process that stress tests clients' goals to quantify the probability of achieving their financial objectives. Ryan holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC™), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Arts degree from Seton Hall University in South Orange, New Jersey. His community involvement includes membership in the Knights of Columbus in Ramsey, New Jersey, where he served as Grand Knight from 2000 to 2002, and participation in the Friendly Sons of St. Patrick in New York City. Ryan also served on the Seton Hall University Alumni Board of Directors from 2008 through 2017, including a term as President from 2015 to 2017, and was a member of the Seton Hall University Board of Regents during the same period. He resides in Basking Ridge, New Jersey, and enjoys basketball, football, and golfing.

Bryan Murray is a financial advisor at OSAIC with 11 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 10 years. Murray holds Series 63 and Series 65 credentials and also serves as an insurance agent offering disability, long-term care, fixed annuities, equity-indexed annuities, and traditional life insurance through a separate business. OSAIC serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations, providing integrated brokerage, advisory services, and access to multiple third-party money managers and investment platforms.

Jonathan Rosen is a CFP® with 10 years of industry experience currently affiliated with Cetera. He has held positions at multiple Cetera entities since 2026 and previously worked at MassMutual Life Insurance and Investors Services for seven years. Rosen also operates Rosen CPA LLC and serves on the NJCPA Society Bergen Chapter Board. He has been involved with Rutgers University’s New Brunswick campus since 2013. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting both discretionary and non-discretionary strategies.

Nour Shurbaji is a CFP® and Series 63 credentialed financial advisor with six years of industry experience. She is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities, LLC, Meglio & Associates, and Bashar Hakim & Hakim Consulting LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s approach is model-driven, utilizing portfolios developed by its research department and third-party strategists, and it offers access to third-party asset managers and a wrap program.

Monece Andre Franco is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and Chase Bank, as well as academic positions at Ramapo College of New Jersey. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremy Brower is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2013. Outside of his advisory role, he is an owner and partner of Breathewave Technologies Inc., a health and wellness business. 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 through a select group of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Karl Kreshpane is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds a Series 63 designation and has worked at UBS since 2016, following a tenure at Morgan Stanley from 2002 to 2016. Outside of finance, he serves as treasurer for Goodfellas Restaurant Inc. and owns Serenity River Farm LLC, which produces firewood, maple syrup, and nettle tea. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, delivering investment solutions based on proprietary research and model-based strategies.

David Jacas is a financial advisor with Cetera who holds the Series 63 designation and has 31 years of industry experience. He has worked at Cetera since 2005, including with its current entity since 2021. Outside of his advisory role, he manages accounting and tax preparation services through J&J Tax Consultants and serves as a board member for a condominium association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a variety of portfolio management, financial planning, and retirement services with a multi-manager platform that supports discretionary and non-discretionary account management across multiple program structures.

Louis Tomasella is a financial advisor with Raymond James Financial who holds a Series 66 designation and has 25 years of industry experience. He manages LCT Wealth Management, LLC, and has been affiliated with Raymond James Financial since 2001. He also serves as power of attorney for a family member’s financial accounts. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports a wide network of advisors and affiliated firms.

Romil Bhagat is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with LPL Financial since 2004 and served at Private Portfolio Partners, LLC from 2016 to 2025. Bhagat is involved in selling group health, disability, and fixed life insurance through STATMEDIX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, using a range of model portfolios and third-party subadvisors, supported by advanced operational tools.

Jutta Kaiser is a financial advisor with Equitable Advisors, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Equitable Advisors since 2001, including time when the firm operated as AXA Advisors, LLC. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs delivered through its network of Investment Adviser Representatives and third-party asset managers.

Gabriel Palacios is a CFP® and ChFC® with four years of industry experience. He is currently with Mass Mutual Investors Services, where he has worked since 2021. Prior to this, he worked at Crossborder Solutions for two years. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements supported by software tools and offers various specialized planning programs.

Don Santangelo is a financial advisor with Edward Jones in Pompton Plains, NJ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Zumper, HomeKeepr, RentCred Inc, and Century 21 Gemini LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Santo Briganti is a CFP® with 48 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in real estate ownership in Hartsdale, New York. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income and tax-aware withdrawal strategies.

Daniel Roh is a CFP® professional with 34 years of industry experience, currently serving at J.P. Morgan Securities since 2012. He has been with Jpmorgan Chase Bank, N.A. since 1999. Outside of his advisory role, Roh volunteers as a firefighter with the Fort Lee Fire Department. 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 operations with brokerage, distribution, and investment management capabilities.

Patrick Gallagher is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds a Series 66 designation and has worked previously at Knopman Marks and Skidmore College. Gallagher is also an independent insurance agent providing life, disability, long-term care, fixed annuities, and health insurance services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as collaborative relationships using firm-approved analytical tools.

Salvatore Sferruzza Jr. is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup/Citibank and TD Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and operates as part of a broader banking and broker-dealer organization.

John Szymanski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a combination of discretionary and non-discretionary retirement plan services, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Richard Sepulveda is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that encompass both direct client engagements and Corporate Financial Planning agreements.

Roxana Menendez is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 23 years of industry experience, including nine years at Merrill and several years at Morgan Stanley and its related entities before joining Wells Fargo. 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 supported by research from Wells Fargo Investment Institute and third-party sources.