Sean O'Brien is a financial advisor with Primerica Advisors in Parsippany, NJ, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with Primerica Advisors since 2013 and previously spent nine years with Interstate Container. Outside of his advisory role, he is an independent packaging sales representative and serves as an executor for a client estate. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides custody and trade execution support through Pershing and BNY Mellon Advisors.

Shivani Desai is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Summit, NJ. She has two years of industry experience, including prior roles at JPMorgan Chase Bank, N.A. and JP Morgan Chase & Co. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting.

Juliana Trovato is a Series 66-licensed financial advisor at Morgan Stanley with 16 years of industry experience. She has worked at Morgan Stanley since 2011, with a prior nine-year tenure at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support client outcomes.

Christopher Hodge is a CFP®-credentialed financial advisor with 26 years of industry experience, currently with Fidelity in Morristown, NJ. His career includes long-term roles at Fidelity Brokerage Services Inc. since 2000 and Fidelity Personal and Workplace Advisors from 2018 to 2025. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, employing a methodology that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator and adviser to multiple registered investment companies, as well as its use of algorithmic methods and AI in portfolio management.

Keith Langworthy is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers comprehensive advisory programs to individuals and institutional clients, including customized financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Ryan Hynson is a Series 66-licensed advisor with Cetera, bringing four years of industry experience. He has previously worked with Nisivoccia Wealth Advisors and Avantax Investment Services and serves as a partner at Nisivoccia LLP, a tax and accounting firm. Outside of advisory work, he is a committee member of the Sussex County Chamber of Commerce Young Professionals Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and advisory services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Andrew Burkhardt is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63, 65, and 66 designations and bringing 20 years of industry experience. His prior work experience includes roles at PNC, PNC Investments, and CitiBank. Morgan Stanley Wealth Management provides a range of advisory programs to both individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and Corporate Financial Planning agreements.

Daniel Bolio is a financial advisor at Merrill with four years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at JP Morgan Securities, JP Morgan Chase Bank, and New York Life Insurance Agents. 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 plans, corporations, and charitable organizations.

Leslie Smith is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. Prior to joining Morgan Stanley Smith Barney in 2009, Smith worked at Citigroup Global Markets and Morgan Stanley DW Inc. from 2006 to 2009. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutions, offering financial planning that incorporates structured discovery and firm-approved tools but does not include individual security recommendations in its standalone planning programs.

Jessica Granier is a financial advisor at Merrill with five years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, with prior roles at Sanctuary Securities, Sanctuary Advisors, and Ameriprise Financial Services. Earlier in her career, she was employed at The Marina at Oceanport and Monmouth Rubber and Plastics Corporation. 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, and institutional investors.

Paul Maletsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Paul works with individuals and families to understand their financial situations, risk tolerances, time horizons, and liquidity needs in order to develop aligned financial strategies. His approach combines personalized service with investment insights from Merrill and access to Bank of America banking services. Paul holds a Bachelor's degree from Lafayette College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch Wealth Management in 2013, he worked as an equity trader and held positions as an analyst and portfolio manager on Wall Street. He also spent three years as a Managing Director at a consulting firm specializing in community banking. Outside of his professional career, Paul enjoys golfing, spending time with his family, and traveling. He emphasizes understanding clients' values through one-on-one conversations to help them pursue their life goals and plan their legacies.

Ronald Mazzarella is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and bringing 33 years of industry experience. He has been with LPL Financial, formerly LINSCO/Private Ledger Corp., since 2001. Mazzarella is also president of Diversified Financial Planners, a registered DBA since 1970. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of investment adviser representatives. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Andrew Grant Sr. is a Series 66-registered advisor with nine years of industry experience. He is currently with LPL Financial, where he has worked since 2019, and previously was associated with 1st Global Advisors, Inc. and 1st Global Capital Corp. He is also involved with Caristia, Kulsar & Wade, LLC, a firm he has been part of since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions with a wide range of financial planning and investment management options, including third-party asset management and institutional platforms.

Matthew Kronenberg is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. His work history includes roles at City National Bank and Mandelbaum & Mandelbaum. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Matthew Pennell is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual and Samuel Klien and Co. 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.

Caroline Nelson is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1999. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Rebecca Powell is a Certified Financial Planner® with 28 years of industry experience. She is currently with Wells Fargo Clearing Services LLC, where she has worked since 2019. Prior to that, she held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Mary Pascarella is a CFP®-certified financial advisor with 34 years of industry experience. She has been with LPL Financial since 2018 and previously worked at Cetera Advisors LLC and Nicholas Pascarella & Co. In addition to her advisory role, she is involved as an insurance broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services delivered through a broad network of investment adviser representatives.

Giuseppe Sellitto is a financial advisor at Morgan Stanley with 17 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. He holds Series 63 and Series 65 designations and is based in Morristown, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and models to assist clients in developing their financial plans.

Krina Patel is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, with previous experience at Santander Securities and Axa Equitable. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process incorporates both quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.