Meegan Engles is a financial advisor at UBS Financial Services in Morristown, NJ, with 29 years of industry experience. She holds Series 63 and Series 66 designations and has worked at UBS Financial Services for over 20 years, with a three-year period as a stay-at-home mother. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Gregory Vassallo is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 37 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure at Axa Advisors, LLC. Outside of his advisory role, he is involved in an insurance brokerage business, R.I.C.H. Planning Group, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Lindsay Boitel is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 license and eight years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of her advisory role, she has a decade-long involvement with Long Hill Township Public Schools. Morgan Stanley Wealth Management delivers advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm uses structured planning tools and scenario modeling to support client financial plans, primarily acting in an advisory capacity.

Carolyn Bambaci is a Series 66 licensed financial advisor with 14 years of industry experience. She has worked at RBC Capital Markets since 2016 and previously spent seven years at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies implemented through a mix of in-house and third-party managers.

Joseph Hendrick is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2009. In addition to his advisory work, he is involved in the sales of fixed life, health, disability, fixed annuities, and long-term care insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Khoury is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. His current roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside its Global Investment Committee’s research to support its planning process.

Susan Fakes is a financial advisor with Ameriprise in Bedminster, NJ, holding a Series 66 designation and 11 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2016. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines investment research and algorithmic tools to provide written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Gary Lynch is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Cetera since 2023 and previously spent over nine years at Securian Financial Services and Minnesota Life Insurance Company. Outside of his advisory role, he is also involved in fixed insurance sales as an agent with Allied Wealth Partners. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and planning services, supporting both discretionary and non-discretionary strategies.

Victoria Calandra is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley, she was with Northwestern Mutual and spent a decade as a full-time student. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, delivering financial planning through a structured process that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services.

Lauren Legband is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She worked at AXA Advisors, LLC for one year before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, utilizing structured discovery processes and firm-approved planning tools.

Paul Kilcullen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves clients by focusing on wealth preservation and managing cash flow needs as foundational elements of his wealth management process. Paul emphasizes proactive client service and transparency in his advocacy for clients and their families. As a CERTIFIED FINANCIAL PLANNER™ professional, Paul develops comprehensive wealth management plans that coordinate various aspects of his clients' lives. His expertise also extends to Social Security, Medicare, insurance planning, executive compensation, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, socially responsible and ESG investing, and tax minimization. Paul holds a Bachelor's Degree in Political Science from the College of the Holy Cross. He resides in Mendham, New Jersey with his wife Stephanie and their three children. Paul is actively involved in his community and volunteers as a Certified EMT.

Thomas Schaible is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Securities America Advisors and Securities Service Network, among other firms. He is also a partner in a CPA firm and serves on the board of a nonprofit organization. OSAIC serves a diverse client base, including individuals, institutions, and charitable organizations, offering integrated brokerage and advisory services with a range of investment solutions that include automated portfolio management and access to third-party money managers.

Douglas Wright is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has previously worked at IC Advisory Canada, Inc., Ic Advisory Services, Inc., and The Investment Center. Outside of his advisory work, he serves as a board member of the Martinsville Volunteer Fire Department, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios and research from multiple sources to provide discretionary and non-discretionary management.

Glenn Duphiney is a CFP® certified financial advisor with LPL Financial in Denville, NJ, where he has worked since 2008. He has 32 years of experience in the financial services industry. Outside of his advisory role, he has participated as a part-time actor with occasional performances in the tri-state area. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Richard Vanderpool is a Series 63-credentialed financial advisor with 27 years of industry experience. He has worked at Ameriprise Financial Services, Inc. for 27 years before joining Raymond James Financial Services Advisors, Inc. in 2026. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Janet Roberts is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jennifer Loeb is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes 18 years at Merrill Lynch, Pierce, Fenner & Smith Incorporated and a year at Morgan Stanley. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Dwyer is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Ryan Miscik is a financial advisor at Raymond James Financial with 13 years of industry experience. He holds a Series 66 designation and has worked at Raymond James Financial Services and M Holdings Securities. He is also associated with Eagle Rock Wealth Management and Greenberg and Rapp as a financial advisor based in Morristown, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Joseph Perdue is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and utilizes modern portfolio theory, including a notable range of investment options such as insurance-related vehicles and bank deposit sweep programs.