Indira Valladares is a financial advisor at Charles Schwab with 11 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Michael Zahn is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. 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, including tailored financial planning that uses firm-approved tools and modeling techniques to support clients in developing customized plans.

Michael Ravensbergen is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016. Ravensbergen serves as a board member for Drew University College Alumni, participating in reunion and alumni programming as well as admissions events. 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, pensions, corporations, and charitable organizations.

Joseph Tavano is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

David Heller is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 63 designation and has worked at Royal Alliance Associates, Inc. and Mass Mutual Investors Services, as well as Mass Mutual Life Insurance Company. Outside of his advisory role, he serves as a managing director of Sanders Smith Ltd and provides insurance services as a sales agent. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple investment options, and supports various third-party managed-account platforms.

Christina Giraldi is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for 12 years. Outside of her advisory role, she works as a bartender in Township of Washington, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Winnie Chan is a financial advisor at Morgan Stanley with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. 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 including tailored financial planning, utilizing structured discovery conversations and firm-approved tools to model outcomes.

Michael Bishay is a financial advisor with Fidelity, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Morgan Stanley, JP Morgan Chase, and Merrill. Outside of finance, he is the owner of a tanning salon and retail business in New York City. Fidelity Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves retail and institutional investors and manages multiple registered investment companies and model portfolios.

Jessica Ruff is a financial advisor with Merrill in Ramsey, NJ, holding a Series 66 designation and six years of industry experience. She has been associated with Bank of America and Merrill since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Kevin Budds is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. He also has a background with Bank of America, where he has worked since 2011. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Ralitsa Delgado is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds a Series 66 designation and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage, distribution, and investment management capabilities.

George Oviedo is a CFP® professional with 17 years of experience in the financial industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2020, and previously at TD Ameritrade from 2016 to 2020. He holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary and discretionary investment options, combining integrated custody, brokerage, and advisory services.

Joshua Sucov is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, he worked at Bank of America NA and Merrill Lynch from 2017 to 2022 and operated as an independent advisor from 2013 to 2017. He is a trustee for multiple family trusts and a qualified account. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed solutions supported by a nationwide network of more than 23,700 financial advisors.

Richard Ditaranto is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2025 and previously worked at OSAIC and Northern Advisory Group, where he has been involved since 2004. Outside of advisory activities, he owns JS Custom Construction, a business that rents out billboard space. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a wide range of advisory and brokerage services with both discretionary and non-discretionary management, supported by research and model portfolios from various sources.

James Kahrar is a financial advisor with Ameriprise in Wayne, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation and Ameriprise Financial Advisors Inc. He serves on the Board of Directors and Breakfast Committee at a local organization and works as an investment specialist managing portfolios for PCA Management Corp. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with specific asset thresholds, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory oversight to deliver tailored retirement income plans, primarily for clients maintaining assets in Ameriprise-managed accounts.

Louis La Medica is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Prudential Insurance Company of America and Nationwide Securities, LLC. He is also involved with Elite Financial Services, LLC and Medicare Planning Services, LLC, managing businesses related to fixed life insurance and Medicare planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform that supports both adviser programs and insurance sales.

Robert Lopinto is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2017. Prior to that, he was with Morgan Stanley and its affiliated entities for a decade. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet a net-worth threshold. The firm combines investment recommendations with planning tools and delivers services that can be implemented through brokerage or advisory programs on an optional basis.

David Jones is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding CFP®, ChFC®, and Series 66 designations with 10 years of industry experience. He has worked at MML Investors Services, LLC and Massachusetts Mutual Life Insurance Company since 2016, and previously at MetLife Securities. Outside of his advisory role, he is also an independent insurance agent specializing in life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual and provides ongoing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and serves a range of client needs including high-net-worth individuals.

Robert Marks is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has eight years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, TD Bank, and Foresters Financial Services. Outside of his advisory work, he is a partner in a student housing rental LLC, where he oversees operations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a variety of investors through discretionary and non-discretionary advisory services, model portfolios, and consulting, with unique capabilities including registration as a commodity pool operator and advisory roles to multiple registered investment companies.