Robert Cappadona is a financial advisor at Osaic with 40 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at LPL Financial and Royal Alliance Associates. He is also an advisor for Garden State Capital Investments LLC, a business entity used for tax and investment purposes. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that offers brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation, portfolio optimization, and a range of discretionary and third-party manager strategies.

Krzysztof Pulawski is a financial advisor at Morgan Stanley with 25 years of industry experience. He previously worked at Neuberger Berman for 17 years and has held roles at UBS Financial Services and Morgan Stanley in prior periods. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and employer-based arrangements.

James Sears is a financial advisor at Ameriprise with eight years of industry experience. He holds the Series 66 designation and has previously worked at CUSO Financial Services, Edward Jones, and Michael Page. Sears has been with Ameriprise since 2020. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, focusing on clients with significant assets in Ameriprise-managed accounts.

Michael Franco is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with Linsco Private Ledger Corp since 2001. In addition to his advisory role, he is involved in selling non-variable insurance products, including long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing both proprietary research and third-party strategies across various investment approaches.

Michael Jason is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Lincoln Financial Advisors Corporation, Bank of America, Merrill, and Banc of America Investment Services. Outside of his advisory role, he coaches a local youth hockey team. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Matias Morales is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Mass Mutual, he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. He also has experience in banking and financial services roles at Peoples United Bank and TD Bank. Mass Mutual Investors Services 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 emphasizes collaborative, annual planning relationships using firm-approved analytical tools and offers event-driven planning services including estate settlement and employer-sponsored programs.

Francesca Milde is a financial advisor at Ameriprise with six years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Morgan Stanley and Oppenheimer & Co. Inc. Outside of finance, she works as a substitute yoga instructor in Glen Rock, NJ. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service focused on written recommendation reports and ongoing annual retirement-income planning using proprietary research, third-party data, and algorithmic tools.

Adedire Fakorede is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America, NY Life Securities LLC, and Northwestern Mutual. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Kristen Mackey is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her work history includes positions at Bank of America Private Bank and Dow Jones. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jonathan Licata is a Series 66-licensed financial advisor with Wells Fargo Advisors in Paramus, NJ, and has five years of industry experience. Before joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing from 2019 to 2025, and previously held roles at Randstad Temp Agency and Manhattan College. Outside of his advisory duties, Licata coaches youth hockey for the Ramapo Youth Hockey Association in Monsey, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients who meet a net-worth threshold. The firm combines advisory services with various financial products and planning strategies to address diverse client needs.

Emilio Montina is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on connecting clients with tailored strategies to help pursue their personal financial goals. He works closely with clients to understand their priorities and develops personalized plans that address various needs including investing, retirement planning, and saving for unexpected events. Emilio is designated as a Personal Investment Advisor (PIA), which supports his advisory work. Emilio holds a Bachelor's Degree from Dominican University.

Jeffrey Fedor is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized investment strategies aligned with their financial goals. His approach involves providing investing advice and access to banking and lending services through Bank of America. Jeffrey holds a Bachelor's degree from Montclair State University and an MBA from Seton Hall University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses wealth management strategies, financial markets insights, and retirement planning. Outside of his professional work, Jeffrey engages in activities such as biking, boating, fishing, golfing, skiing, woodworking, and yoga, and he spends time with his family.

Laurie Gross is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and over 25 years of industry experience. She has worked with Raymond James since 2008 and also owns Laurie Gross Wealth Management, LLC. Outside of advisory services, she has owned a support company focused on business operations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public finance through a unique affiliation with a municipal advisor.

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 at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2014, following two years at Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

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., Mass Mutual Investors Services, and Mass Mutual Life Insurance Company. Outside of his advisory role, he serves as a sales agent providing client service on insurance policies and is the managing director of Sanders Smith Ltd. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Christina Giraldi is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 63 designation and 10 years of industry experience, all with her current firm since 2016. Outside of her advisory role, she works as a bartender for a catering business in the Township of Washington, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions through a large network of advisors.

Winnie Chan is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model outcomes but does not provide individual security recommendations as part of standalone plans.