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 Normil is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has been with Primerica Advisors since 2013 and has additional experience with Primerica Financial Services beginning in 2012. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors offers a wrap-fee asset management program that serves individual, corporate, and charitable clients, managing approximately $15.5 billion in assets. The firm uses model-driven investment strategies managed by unaffiliated asset managers and provides trade execution and custody support through well-known third-party providers.

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 Series 66-licensed financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012, following prior roles at Merrill and RBC Capital Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework within a broader derivatives and commodities capabilities platform.

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, holding a Series 66 designation and nine years of industry experience. His background includes roles at Columbia Bank, Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. Outside of his advisory work, he also coaches wrestling approximately five hours per week. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform supporting both discretionary and non-discretionary strategies.

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 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a power of attorney assisting in decision-making for a family member. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates at large scale, with more than 14,000 advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.

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 Series 66-licensed advisor with Merrill, based in Paramus, NJ, and has 31 years of industry experience. She has worked at Merrill since 1993 and Bank of America since 2015. Outside of her advisory role, she oversees a family-run business that creates and sells pet bow ties, with part of the proceeds donated to animal shelters. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, 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 at Merrill with 23 years of industry experience. He holds the Series 66 and Series 63 designations and has been with Merrill since 2010. Outside of his advisory role, he serves as a committee member and fundraising chairperson for Boy Scout Troop 109 in Hillsdale, 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, offering a range of 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 holds the Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Ameriprise, UBS Financial Services, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

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.