Ellen Desarno is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Equitable Advisors since 1999, including its predecessor entity AXA Advisors, LLC. Outside of her advisory role, she is involved in various insurance activities and operates under the DBA Diligence Financial Group. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a combination of proprietary and third-party investment models and provides ERISA fiduciary services through credentialed representatives.

Rajeev Chellapilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on delivering a comprehensive approach to wealth management by listening to clients' needs and ensuring that each strategy is aligned with their financial goals. He provides clients access to the investment insights of Merrill Lynch as well as the banking services of Bank of America to address various aspects of their financial lives. Rajeev holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. He is committed to delivering service that supports clients in pursuing their financial objectives.

Chris Ann Kavanagh is a financial advisor at Morgan Stanley with three years of industry experience. She previously worked at Wells Fargo Advisors for six years before joining Morgan Stanley in 2022. Outside of her advisory role, she is involved in sales and marketing for Rodan & Fields, an online retail business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Charles Levine is a financial advisor with UBS Financial Services in Florham Park, New Jersey, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.

David Wallman is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses with three years of industry experience. His prior experience includes roles at Loyola University Maryland and Lawrence Avenue Medical. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Christopher Bergman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at Signature Financial Group, Cambridge Investment Research Advisors, and Madison Trust. He is based in Madison, New Jersey. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Allegra is a financial advisor with Cambridge Investment Research Advisors, holding a PFS™ designation and Series 63 license, and has 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016 and has operated his CPA practice since 1992. Allegra also serves as an independent insurance agent and owns a CPA and tax preparation business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement-plan sponsors, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a mix of proprietary models and third-party strategies tailored to client objectives.

Christopher Menzel is a financial advisor at Fidelity with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, E*Trade Securities, and E*TRADE Capital Management. Outside of his advisory role, he works as an independent contractor providing dog walking services in Hoboken, New Jersey. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios, and it holds distinctive registrations and advisory roles uncommon among large institutional peers.

Jessica Ramsey is a financial advisor at RBC Capital Markets with five years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2019. Her prior roles include positions at ITM TwentyFirst and Arrowhead Fostercare. RBC Wealth Management serves a wide range of clients, including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with customizable portfolio management and financial planning services, integrating both in-house and third-party investment managers.

Mucahit Esenyurt is a financial advisor with Wells Fargo Clearing in Jersey City, NJ, holding Series 63 and Series 66 licenses. He has seven years of industry experience, including eight years at Wells Fargo Clearing and thirteen years with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Elizabeth Padewski is a financial advisor at Merrill with 11 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at Raymond James Financial Services Advisors and Money at Work, LLC. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, institutions, and charitable organizations.

Lynn Elliott serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she works closely with clients to develop personalized financial strategies that align with their long-term goals. She leverages the investment insights of Merrill alongside the banking and lending solutions of Bank of America to provide flexible wealth management approaches tailored to the evolving market environment. Lynn holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her bachelor's degree from Wellesley College. In addition to her advisory duties, Lynn is actively engaged in community service, volunteering with local organizations as part of Merrill’s tradition of community involvement.

Michael Lozowski is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 1980, also working at Bank of America, N.A. since 2011. He serves as a committee member of the Polish University Club of New Jersey, a nonprofit organization that promotes Polish culture and awards scholarships. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Omar Jallow is a CFP®-designated financial advisor with six years of industry experience. He is currently with UBS Financial Services and has previously worked at Citi Group, Ernst and Young, and Prudential Insurance. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and research-driven portfolio strategies.

Kimberly Payne is a financial advisor at RBC Capital Markets with seven years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Cetera, Securian Financial Services, Minnesota Life Insurance, and Ameriprise Financial Services. Outside of her advisory role, she owns Celebrate Happy Studio, an Etsy shop selling digital downloads. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors and institutional clients. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and custody services, utilizing both in-house and third-party investment managers.

Ross Berman is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at UBS Financial Services, The Ayco Company LP, and Buchbinder Tunick & Co. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Bryan Wickes is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has worked at UBS since 2020. Prior to UBS, he was employed at Systematic Financial Management and JDX Consulting. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources to support its advisors and clients.

Stephanie Chak is a Series 66 credentialed financial advisor with 11 years of industry experience, currently with RBC Capital Markets in New York, NY. Her prior experience includes roles at Liberty Mutual Insurance, Citigroup, and the University of North Carolina, Chapel Hill. Outside of her advisory work, she is involved as a student and instructor in Krav Maga self-defense techniques. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a variety of advisory programs with customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers to implement tailored investment strategies.

Jerryann Gober is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is involved in publishing and recreation through projects focused on guided meditations, including "Mindful Unapologetically: Guided Meditations for Black Women Discovering Rest." Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.

Divya Mehrotra is a financial advisor at Morgan Stanley with the Series 66 credential and no prior industry experience. Before joining Morgan Stanley, she held roles at the University of Chicago Institute of Politics and the Los Angeles County District Attorney's Office. Mehrotra also has academic affiliations with the University of Chicago and the Harris School of Public Policy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that employs structured discovery conversations and firm-approved planning tools.