Azis Fejzullaj is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation as well as Series 65 and Series 63 licenses. His prior experience includes positions at Deutsche Bank Securities Inc. and Fidelity Investments. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment due diligence.

Marsha Stevens is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked for Morgan Stanley from 2014 to 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and utilizes proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

David Larkin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leads The Larkin Group, focusing on wealth and investment planning for High Net Worth Individuals and Business Owners. His client services include Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Special Needs Planning Strategies, and Retirement Income. David holds a Bachelor's Degree from the University of Richmond and has earned several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach emphasizes connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. He resides in Basking Ridge, New Jersey with his wife Kathryn and their two daughters. David is active in community organizations such as Friends of the Bernardsville Library and enjoys outdoor activities including basketball, golfing, hiking, music, skiing, and spending time with his family.

David Fernandez is a financial advisor at MassMutual Investors Services with 25 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Charles Schwab. Outside of his advisory role, he serves as the treasurer of a condominium association and works as an insurance broker specializing in life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers specialized event-driven planning services.

Jason Perez is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding CFP®, Series 63, and Series 65 designations. He has 24 years of industry experience, including roles within multiple Wells Fargo entities since 2009. Outside of his advisory work, he serves as treasurer for the Springfield Basketball Association and owns J Perez Group, LLC and J Perez Tax Group, LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and utilizing Wells Fargo research and tools to tailor recommendations.

Michael Lebo is Vice President and Financial Consultant at Fidelity Investments. He has held this position since 2021 and continues to serve in this role. Prior to joining Fidelity, Michael worked as a Senior Wealth Strategy Associate at UBS Financial Services from 2016 to 2021. He began his career as a Financial Solutions Advisor at Merrill Edge from 2015 to 2016. Michael focuses on understanding his clients' motivations and concerns to develop comprehensive financial plans tailored to their needs. His approach centers on being a knowledgeable and trustworthy financial partner for clients and their families, aiming to create strategies that address both their aspirations and risks. Details regarding his education, credentials, personal interests, and community involvement were not provided.

Bassem Benjamin is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2021. In addition to his advisory role, he works as an Uber driver in Bergen County, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Scott Nettune is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has 26 years of experience in wealth management, having worked as a Private Banker, Wealth Advisor, and Financial Advisor. Prior to joining Merrill Lynch in 2018, Scott spent four years at The Wells Fargo Private Bank as a Wealth Advisor and Senior Vice President. Before that, he worked for 14 years at JPMorgan’s Private Bank, where he held multiple roles, including work on the Restricted Stock Desk focusing on 10b5-1 plans. Scott specializes in legacy planning, managing new wealth, and tax minimization. He manages the financial situations of high-net-worth clients by identifying their life goals and financial strategies and coordinating teams of specialists to implement comprehensive wealth plans. He holds a Bachelor of Arts in Accounting and Finance from Gettysburg College and maintains FINRA Series 7 and 66 registrations as well as a Personal Investment Advisor (PIA) designation. Outside of his professional work, Scott is involved with the nonprofit organization Soft Bones, Inc (501c-3). He enjoys basketball, golfing, music, coaching youth sports, and spending time with his family and friends.

Michael Pimpinelli Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and five years of industry experience. Prior to joining Mass Mutual, he worked at Abercrombie & Fitch for two years and has experience from Seton Hall University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Eric Hinds is the Senior Resident Director, Managing Director, and Wealth Management Advisor at Merrill Lynch Wealth Management in Summit, New Jersey. He has been with Merrill Lynch since 1998 and leads a team of four advisors. Eric provides overall leadership for the team with a focus on portfolio management and the development of corporate retirement plan strategies. Eric holds the FINRA series 3, 7, 9, 10, and 66 registrations as well as Life and Health Insurance licenses. He is also a Personal Investment Advisor (PIA). Eric earned a bachelor's degree in marketing and finance from Villanova University in 1992. He serves as president and founding member of the Hope for Children Foundation. Eric lives in Holmdel, New Jersey with his wife Karen and their three children. Outside of work, he enjoys playing and coaching soccer, as well as basketball, golfing, skiing, table tennis, tennis, and watching movies.

Joseph Mccusker is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, MassMutual Life Insurance Company since 2016, and Metlife Securities Inc. from 1974 to 2017. Outside of his advisory work, he serves as an independent insurance agent for small group and individual health insurance plans and is president of his condominium association. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing detailed client assessments and firm-approved software to develop investment recommendations.

Daniel Piccirillo is a financial advisor at LPL Enterprise with three years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs Bank USA and The Prudential Insurance Company of America. In addition to his advisory role, he is involved with Paradigm Governance Partners LLC, where he prepares financial information including audited financial statements. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm integrates advisory programs with brokerage and insurance products through its platform.

Emre Hasmet is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Fidelity, he worked at Unity Bank and held roles in the private sector at Atlantic Supermarket Equipment and AmerAsia International. 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 to develop model portfolios from mutual funds, ETFs, and ETPs.

Eric Rose is a financial advisor with Equitable Advisors in Jersey City, NJ, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2014 and was also associated with Axa Advisors during part of that time. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management via LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to execute client recommendations.

Caleb Zektzer is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Richard McCabe Jr. is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 credentials and has 23 years of industry experience. His prior work includes 14 years at METLIFE Securities Inc. He also operates as an insurance agent assisting clients with life, disability, long-term care, fixed annuities, property and casualty, and health insurance, as well as helping clients interested in selling their life insurance policies. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Christopher Bunsa is a financial advisor at Equitable Advisors with six years of industry experience. He holds Series 63, 65, and 66 designations. His prior roles include positions at Preqin, Moody's Analytics, Columbia Management Investment Distributors Inc, and Fidelity Investments Institutional Services Company. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Margaret Selby is a financial advisor with Raymond James Financial, holding a Series 66 designation and 18 years of industry experience. She has worked at Raymond James since 2017 and previously was with Morgan Stanley from 2015 to 2017. Outside of her advisory role, she is involved as an operations manager and client service manager at 1792 Wealth Advisors, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, with notable services in municipal and public finance and specialized retirement plan advisory programs.

James Botte is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 65 and Series 63 designations and 17 years of industry experience. His career includes roles at TD Securities, Citigroup Management Corp., and JPMorgan Chase. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors. The firm combines research from Wells Fargo Investment Institute and third-party sources, offering both brokerage and advisory solutions.

James Cunningham is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior experience includes 12 years at MetLife Securities Inc. and ongoing roles with Massachusetts Mutual Life Insurance Company since 2016. Additionally, he is involved with Force Financial Associates as a financial educator and works in insurance sales with Force Benefits Consultants and Insurance Solutions LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver collaborative, goal-oriented recommendations.