Robert Descherer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is also an insurance agent specializing in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers programs including wrap accounts, money-manager options, and educational seminars.

Christian Abboud is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads a team of five professionals dedicated to helping clients manage and achieve their financial objectives. Christian's expertise focuses on financial strategies, estate and tax planning services for high net worth families. He works closely with clients and their existing advisors to coordinate wealth management, estate, and tax planning processes. Christian has over 25 years of experience in the industry. He specializes in family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. His professional designations include Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He is a member of the Investment and Wealth Institute and the Minnesota Society of Certified Public Accountants. He holds a Bachelor's Degree from the University of Minnesota System and a Master's Degree from the Minnesota State College & University System. Christian lives in Morristown, NJ with his wife and two children. He is involved in various volunteering engagements at Newark Academy in Livingston, NJ. Christian is bilingual in Arabic and English. He has been recognized on Forbes' "Best-in-State Wealth Advisors" list from 2018 through 2026 and was named to Barron's "Top 1,500 Financial Advisors" list in 2026.

Michael Burns is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley and its affiliated entities since 2013. Outside of his advisory work, he holds ownership interests in two bars located in North Carolina. 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 that utilize firm-approved tools and methodologies, managing approximately $2.74 trillion in client assets.

Karon Blue is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, RBC Capital Markets, and other financial firms. Outside of her advisory role, she serves as an election board worker for the Essex County Board of Elections. 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 advisory process integrates quantitative and qualitative research and may include ESG considerations, with implementation supported by affiliated investment management entities.

Frank Gonnella is a Series 66-licensed advisor with Ameriprise in Randolph, NJ, having 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for the Orange/West Orange Chapter of UNICO National and is a board member of the Alberto Institute for Italian Studies. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team.

Jordan Roberts is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. His prior roles include positions at Garnett Station Partners, Mobilize Capital Partners, Ardian US, and Deloitte & Touche. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, with a focus on advising rather than implementing client plans.

Jayson Decandia is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. In addition to his advisory role, he is an independent insurance agent and serves as a financial adviser for life settlements. 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 offers a range of programs including money-manager options and educational seminars.

Mark Milano is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has prior experience running Milano Financial Services, where he provides accounting, tax preparation, consulting, and research services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Thomas Zinckgraf is a financial advisor at LPL Financial with 45 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked with Wells Fargo Advisors Financial Network LLC and UBS Financial Services. 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.

Laura Ingraffea is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and bringing 30 years of industry experience. She has worked at Cetera and its related entities since 2005 and also operates as a CPA with over 40 years in accounting and tax services. Outside of her financial career, she serves as a volunteer emergency medical technician and treasurer for an EMS organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform, supported by a nationwide network of over 10,000 advisors.

Benjamin Meyers is a Series 66-credentialed financial advisor with Morgan Stanley, based in Sparta, NJ, bringing 23 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses structured planning tools and proprietary models to assist clients, managing approximately $2.74 trillion in client assets.

Charles Marisca is a financial advisor at Mass Mutual Investors Services with 38 years of industry experience. He holds a Series 63 designation and has worked in various roles at Provident Mutual, New England Securities, Metlife Securities Inc., and Mass Mutual Investors Services. In addition to his advisory work, he operates as an independent insurance agent selling dental, group disability, life, accident, health, long-term care, Medicare-related, and group health insurance products. 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, focusing on collaborative, annual planning engagements that use firm-approved analytic tools and provide written recommendations.

Michael Ganley is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning supported by structured discovery conversations and firm-approved planning tools.

Anthony Pio Costa IV is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise since 2007, initially with Ameriprise Financial Services, Inc., and continuing through the current firm structure since 2020. Outside of his advisory role, he is involved in managing several family real estate and business entities. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with advisory support, primarily focusing on Ameriprise-managed accounts and utilizing algorithmic tools overseen by dedicated committees.

Nicholas Hanley is a CFP® with 14 years of industry experience, currently serving at Osaic. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent seven years at Jhfn Sii. In addition to his advisory role, Hanley is the Director of Compliance for Acorn Financial Services, overseeing supervision and compliance for approximately 70 financial advisors. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and efficient frontier analysis.

Andrew Roettger is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range 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 offers both direct and corporate financial planning services.

Michael Graziano is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. Prior to joining Morgan Stanley, he worked for UBS Financial Services for 12 years. 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 planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process with firm-approved tools and modeling techniques.

Curtis White is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Ameriprise and its affiliated entities since 2010. Outside of his advisory role, he is involved with L&J Operations LLC as a registered team member. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice primarily for clients holding assets in Ameriprise-managed accounts.

Kenneth Quazza is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. His prior experience includes roles at Smith and Smith Accountants & Auditors, Hy-Test Packaging, and involvement with local education boards in Mahwah and West Milford, New Jersey. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a nationwide network of more than 23,700 financial advisors.

Ivy Lau is a Vice President and Executive Planning Consultant at Fidelity Investments, a position she has held since 2018. In her role, she emphasizes the importance of listening to clients to effectively address their financial concerns and aspirations. She holds a California Insurance License, which supports her work in financial planning and consulting. Outside of her professional responsibilities, Ivy engages in activities such as cooking and baking, outdoor adventures, parenthood, solving puzzles, traveling, and volunteering.