Tyler Smith is a financial advisor with Charles Schwab in Morristown, NJ, holding a Series 66 designation and five years of industry experience. His prior positions include roles at Bank of America Corp./Merrill Lynch and American Income Life, as well as two years working at Richard Stockton College of New Jersey, and six years at Anthony's Pizzeria & Grill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

John Perrette is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 1998. 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. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Natalia Giampietro is a financial advisor at Cetera with Series 63 and Series 65 licenses and one year of industry experience. Her prior roles include positions at Raymond James Financial Services, Money at Work, LLC, and Capital Craft. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers and various program structures.

Josephine Scheurer is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and a structured planning process.

Mary Ellen Rund is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as secretary for Progic35 Productions. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, utilizing structured financial planning tools and a range of investment strategies to serve its clients.

Kyle O'Bryan is a Financial Consultant at Fidelity Investments, where he partners with clients to develop and implement financial strategies focused on efficiency, income generation, and comprehensive wealth planning. He applies his understanding of capital markets, risk management, and long-term client relationships to create tailored investment plans. Kyle has been with Fidelity Investments since 2018, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. Prior to joining Fidelity, he worked as a Financial Professional at AXA Advisors in 2018. Outside of his professional work, Kyle's interests include fitness, golf, running, skiing, and traveling.

Patrick Maguire is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 15 years of industry experience. He previously worked at Bank of America and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering advisory programs with tailored portfolio management, financial planning, and brokerage services.

Daniel Holdt is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he serves on several nonprofit boards, including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. 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 third-party managers and LPL programs. The firm operates a hybrid advisory and brokerage model, tailoring services based on client goals and risk tolerance.

Gregory Yaksta is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2021, following prior roles at Wells Fargo Clearing Services LLC, PNC Investments, and Aeon Funds. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering combined advisory, brokerage, custody, and cash-sweep services. The firm’s model features primarily non-discretionary client relationships supplemented by access to discretionary separately managed accounts and a multi-asset investment approach with centralized operational support.

Michael Boudway is a CFP® with 18 years of industry experience, currently advising at Cetera. His work history includes roles at Securian Financial Services, Minnesota Life Insurance Company, Allied Wealth Partners, and Alpine Wealth Planning LLC, where he is also the owner of an expense management business. He is a member of the Donville Rotary Club, engaging in community outreach activities. Cetera Investment Advisers LLC serves a broad range of clients including individual investors, employer‑sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi‑manager investment platform with discretionary and non‑discretionary portfolio management, financial planning, and access to third‑party money managers.

Michael Simon is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with RBC Capital Markets and previously worked at UBS Financial Services Inc. for 17 years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Richard Niederhaus is a financial advisor at Stifel with 41 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014 and holds a Series 63 designation. Stifel serves a broad range of clients including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Steven Waxgiser is a financial advisor at Stifel with 36 years of industry experience. He holds a Series 63 designation and has worked at Stifel Nicolaus & Co Inc since 2020, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he serves as co-executor for his mother's estate. Stifel serves a wide client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology through its Investment Strategy Group to support asset allocation and planning analyses.

Noe Ramirez is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on building meaningful relationships with clients, helping them align their wealth with their goals, opportunities, and responsibilities. He specializes in assisting successful professionals and executives in simplifying complex financial situations. His expertise includes college education planning, executive and equity compensation services, managing new wealth, portfolio management, tax minimization, and retirement income. He serves as a strategic partner to clients navigating stock compensation, concentrated equity positions, multiple retirement accounts, and assets spread across institutions. Noe holds a Bachelor's Degree from Ramapo College and has earned the Personal Investment Advisor (PIA) designation. He is involved in professional organizations such as Alpha Kappa Psi and SEO (Sponsors for Educational Opportunity). He is bilingual in English and Spanish. Outside of work, Noe enjoys basketball, cooking, and spending time with his family.

John Hughes is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs with customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Paul Damico is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked at Cetera, Allied Wealth Partners, Securian Financial Services, and Mass Mutual in various advisory roles. Outside of his advisory work, he is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and various specialized program options.

William Pretory is a financial advisor with Cetera Wealth Services LLC, holding Series 63 and Series 65 registrations and 21 years of industry experience. His prior roles include positions at LPL Financial and Invest Financial Corporation. He is also active as Director of Planning at Wealthspring Financial Partners LLC and as a Wealth Management Advisor at Nisivoccia Wealth Advisors LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a nationwide network of independent advisors, providing a broad range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers multiple program options and investment platforms, including model portfolios, third-party managers, and customized strategies.

David Spicka is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings extensive experience from his prior 31-year career at Prudential, where he specialized in Fixed Income Asset Management advising large institutional investors. David joined Merrill Lynch in 2021, applying his expertise in risk management and investment consulting to serve high net worth individuals and families. His professional approach emphasizes combining an understanding of clients’ goals with disciplined risk management and a collaborative team effort. David holds a Bachelor's degree in Mathematics and Economics from Rutgers College and earned a Master of Business Administration with concentrations in quantitative finance and financial markets from NYU Stern School of Business. He is a Chartered Financial Analyst (CFA) charterholder as well as a Personal Investment Advisor (PIA). Throughout his career, David has focused on areas including college education planning, family wealth management strategies, retirement income, and liquidity management. He also works closely with clients’ legal and tax professionals to develop integrated wealth management plans. Outside of his professional commitments, David lives in Succasunna, New Jersey with his wife and three children. He has interests in cooking, fishing, football, and hiking. David is involved with the New Jersey Innovation Institute, part of NJIT, contributing to community initiatives.

Mark Stierman is a financial advisor at Stifel with 29 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves on the boards of Temple B'Nai Abraham and Jewish Family Services of Central New Jersey. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group, providing guidance intended to support client decision-making.

Michael Hazen is a Series 66 licensed advisor with Merrill, based in Succasunna, NJ, and has three years of industry experience. His prior roles include positions at Bank of America, ConnectOne Bank, and Capital One Bank. 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 and profit-sharing plans, corporations, and charitable organizations.