Matthew Di Betta is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Windsor Group in Paramus, New Jersey. Since joining in 2010, he has played a key role in overseeing wealth management, portfolio review, and wealth planning processes for his clients. His approach involves building customized financial plans and investment strategies tailored to each client's unique objectives. Matthew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He earned a Bachelor of Arts degree in Economics from Hobart and William Smith Colleges, where he also served as captain of the cross-country team. Outside of his professional work, Matthew maintains an active lifestyle by participating in running events, basketball, skiing, and traveling. He resides in Pleasantville, New York, with his wife Caitlin, their three children, and their black Labrador.

Sarkis Shirinian is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Citigroup Global Markets. In addition to his advisory role, he is involved in tax return preparation. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutions, 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 agreements.

Luca Carlino is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at TD Ameritrade, Morgan Stanley, E*TRADE, and Northwestern Mutual. Outside of finance, he was involved with Divina Ristorante for ten years. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm provides a combination of non-discretionary and discretionary portfolio management, supported by multi-asset model portfolios and a centralized operational structure.

Eileen Finnegan is a financial advisor with Merrill, holding a Series 66 designation and bringing 30 years of industry experience. She has been with Merrill since 1993 and has concurrently worked at Bank of America since 2015. Outside of her advisory work, she oversees a family-run business involved in making and selling pet bow ties, which supports animal shelters through donations. 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, including pension plans and charitable organizations.

Frederick Schuldt Jr. is a financial advisor with Ameriprise who holds a Series 63 designation and has 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Schuldt is an international motivational speaker and author, having contributed a chapter to the book *25 Brilliant Speakers* and working on a film about his personal journey. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet certain asset criteria, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brett Hasenecz currently serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2009, initially working as an Investment Consultant and Financial Consultant before his promotion. Prior to joining Fidelity, Brett worked as a Financial Advisor at Bank of America Merrill Lynch from 2007 to 2009, and at First Investors Corp. from 2004 to 2007. With over 22 years in the financial services industry, Brett focuses on partnering with high net worth individuals and business owners to develop personalized financial plans. His approach centers on the belief that failing to plan is planning to fail, and he works closely with clients to help them reach their financial goals. Brett holds a California Insurance License and maintains personal interests in fitness, football, hiking, skiing, and soccer.

Neila Malvoisin is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Farmers Insurance. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Williams is a financial advisor with Merrill based in Paramus, NJ. He holds Series 63 and Series 66 licenses and has 23 years of industry experience, including 16 years at Merrill. Outside of his advisory role, he serves as fundraising committee chairperson for Boy Scout Troop 109 in Hillsdale, NJ. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Visnovske is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, First Republic Bank, and Morgan Stanley Private Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Sweeney is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He has previously worked at Ameriprise, UBS Financial Services, and Morgan Stanley. He holds Series 63, 65, and 66 licenses. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its advisory process.

Amanda Cain is a CFP® professional based in Ridgewood, NJ, with 22 years of industry experience. She has worked at Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs that include discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Dong Wook Han is a financial advisor with Equitable Advisors, holding Series 63, Series 65, and Series 66 licenses and 20 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked at AXA Advisors. Outside of his advisory role, he is involved in industrial fabric sales through E-GLOBAL BRIDGE INC and also works as a real estate agent. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a variety of third-party and proprietary advisory models and provides ERISA fiduciary services to qualified plans.

Philippos Sifakis is a financial advisor at Morgan Stanley with 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014 and holds a Series 66 designation. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs a structured planning process using firm-approved tools and emphasizes an advisory role without providing individual security recommendations in standalone financial plans.

Kalpana Thakkar is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at The Prudential Insurance Company of America and Pruco Securities, LLC. Outside of her advisory role, she is involved with several business ventures, including 167-169 Newark Ave Realty and Dollar Paradise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a methodology that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Matthew Foley is a financial advisor at UBS Financial Services with 29 years of industry experience. He has previously worked at Bank of America and Merrill. He serves as an advisory board member for the nonprofit organization Eva’s Village, where he participates in fundraising activities. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Alfred Young is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the Series 66 designation and previously worked for UBS Financial Services, Inc. for nine years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets.

Daniel Harada is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Strategic Financial Solutions and MassMutual Life Insurance Company. Outside of advisory work, he is also licensed as an insurance broker, focusing on individual and group life and health insurance sales. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using collaborative, software-driven analysis to develop customized recommendations.

Anthony Cristiano is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 10 years. Cristiano serves on the board of directors for the Jersey City Medical Center Foundation, assisting with fundraising and events. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to individual, institutional, corporate, and charitable clients through tailored investment strategies and multiple advisory programs that include portfolio management and financial planning. The firm integrates in-house and third-party managers and offers specialized features such as tax management and responsible-investing options.

Neal Desai is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. In addition to his advisory role, he is involved in insurance sales, specializing in life, disability, long-term care, fixed annuities, and health insurance. 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 financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved software to analyze client goals and provide recommendations.

William Parisi is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes multiple tenures at LPL Financial as well as positions at M&T Securities, Santander Securities LLC, and Ifmg Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology and a large network of advisors.