Frank Gonnella is a Series 66-licensed advisor with Ameriprise in Randolph, NJ, having 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for the Orange/West Orange Chapter of UNICO National and is a board member of the Alberto Institute for Italian Studies. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team.

Jayson Decandia is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. In addition to his advisory role, he is an independent insurance agent and serves as a financial adviser for life settlements. Mass Mutual Investors Services, LLC 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 offers a range of programs including money-manager options and educational seminars.

Mark Milano is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has prior experience running Milano Financial Services, where he provides accounting, tax preparation, consulting, and research services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Laura Ingraffea is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and bringing 30 years of industry experience. She has worked at Cetera and its related entities since 2005 and also operates as a CPA with over 40 years in accounting and tax services. Outside of her financial career, she serves as a volunteer emergency medical technician and treasurer for an EMS organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform, supported by a nationwide network of over 10,000 advisors.

Lydia Kotevski is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 1999, focusing on a client-centered approach that combines personalized financial guidance with the investment resources and banking convenience of Bank of America. Lydia and her team apply their extensive experience to managing client portfolios, aiming to meet long-term financial goals while minimizing risk and preserving capital through market fluctuations. Lydia holds the Personal Investment Advisor (PIA) designation. She earned her high school diploma from Garfield High School. Beyond her professional work, Lydia is involved with the National Down Syndrome Society and works closely with families of children with disabilities. She is also active in the theatre and fashion communities. Lydia is a mother of three children and grandmother to three grandchildren.

Charles Marisca is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 38 years of industry experience. He has worked with several firms including MetLife Securities, New England Securities, and Provident Mutual. In addition to his advisory role, he operates as an independent insurance agent selling various insurance products. MassMutual Investors Services 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 technology to analyze client goals and provide tailored recommendations.

Mark Newman is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is a partner in JP Newms Capital, LP, an investment and finance-related business. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both retail and institutional investment services.

Robert Hermansen is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he serves as a borough administrator for Emerson, NJ, and has a government role with the Borough of Wanaque, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies across discretionary and non-discretionary management strategies.

Christopher Reasor is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Pio Costa IV is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise since 2007, initially with Ameriprise Financial Services, Inc., and continuing through the current firm structure since 2020. Outside of his advisory role, he is involved in managing several family real estate and business entities. Ameriprise provides retirement-income planning services targeting individuals with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with advisory support, primarily focusing on Ameriprise-managed accounts and utilizing algorithmic tools overseen by dedicated committees.

Sean Maher is an Investment Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2025. He began his career in financial services with Mass Mutual from 2022 to 2023. Sean helps clients manage assets and risks while building strategies to work toward their financial goals. He emphasizes understanding what matters most to clients and their families to develop comprehensive plans tailored to their lifestyles. Outside of his professional work, Sean has interests in fitness, golf, reading, and skiing.

Arnaz Maneckshana is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. His other business activity includes an outside insurance contract. 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 LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Curtis White is a financial advisor at Ameriprise with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Ameriprise and its affiliated entities since 2010. Outside of his advisory role, he is involved with L&J Operations LLC as a registered team member. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary advice primarily for clients holding assets in Ameriprise-managed accounts.

Michael Cannon is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Cadaret Grant & Co., Inc. and ADP Inc. Cannon is involved in a financial management group related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs and financial planning services.

Kenneth Quazza is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. His prior experience includes roles at Smith and Smith Accountants & Auditors, Hy-Test Packaging, and involvement with local education boards in Mahwah and West Milford, New Jersey. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a nationwide network of more than 23,700 financial advisors.

Ivy Lau is a Vice President and Executive Planning Consultant at Fidelity Investments, a position she has held since 2018. In her role, she emphasizes the importance of listening to clients to effectively address their financial concerns and aspirations. She holds a California Insurance License, which supports her work in financial planning and consulting. Outside of her professional responsibilities, Ivy engages in activities such as cooking and baking, outdoor adventures, parenthood, solving puzzles, traveling, and volunteering.

Carla Gomory is a financial advisor with Morgan Stanley in Little Falls, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients. The firm emphasizes a structured financial planning process using approved planning tools and modeling techniques, serving clients through both direct relationships and corporate financial planning agreements.

Marie Rego is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with 12 years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at Merrill in 2016. 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 supported by firm-approved tools and investment modeling techniques.

John Suszynski is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and AXA Advisors. Outside of his advisory role, he is also a licensed non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Hebbeler is a financial advisor at Fidelity with 11 years of industry experience. He has held roles at firms including Lehman Brothers Holding Co, Merrill, Bank of America, and Fidelity Investments. He holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary fundamental research and quantitative analysis. The firm serves as an advisor to multiple registered investment companies and employs algorithmic methods and AI in its investment process.