Thomas Graf is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2018. Prior to this, he worked at Wells Fargo Clearing from 2016 to 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, charitable organizations, and municipal entities, offering financial planning and consulting services with a focus on tailored, non-discretionary advisory relationships.

Brian Baird is a financial advisor at Raymond James & Associates in Hackensack, NJ, holding a Series 66 designation with five years of industry experience. Prior to joining Raymond James in 2021, he worked for ten years at Moore Capital Management. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering financial planning and consulting services through various advisory programs.

Milla Krasnopolsky is a CFA® charterholder and holds a Series 66 license with eight years of industry experience. She has worked at Ameriprise since 2026 and previously spent nine years with INM Advisors, LLC. She is a 50% owner of INM Enterprises, LLC, an engineering company providing heating, A/C, insulation, and home services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, combining investment research and algorithmic tools to provide ongoing tax-aware withdrawal and income strategies.

Anna Abma is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill and Bank of America since 2014. Prior to this, she worked at New England Securities. She was previously a certified United Healthcare producer authorized to sell Medicare Supplement insurance and received residuals from that business. 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.

Joann Valle is a financial advisor at Merrill with 27 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 1987 and has been with Bank of America, N.A. since 2015. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lance Mcginnis is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Ameriprise Financial Services, Oppenheimer, and Citigroup Global Markets. His practice is based in New City, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory approaches and client needs.

Scott Doughty is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank NA. 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 strategies for individual, high-net-worth, corporate, and charitable clients.

Daniel Cooney is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nalini Kelly is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has worked with PFS Investments Inc. and BASF Corporation since 2010 and has been with Primerica Financial Services since 2001. In addition to advisory work, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm selects third-party asset managers and oversees portfolio implementation while employing a tiered wrap fee structure.

Dawn Castro is a financial advisor at Stifel with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Stifel Nicolaus & Co Inc since 2019, following an 11-year tenure at RBC Capital Markets Corporation. Stifel serves a broad range of clients including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses intended to support client decision-making.

Rebecca Golembiski is a financial advisor at Ameriprise with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she owns a condominium unit in Delray, Florida. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written recommendation reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm uses a centralized consulting team and algorithmic tools to generate tailored, non-discretionary retirement income recommendations.

Susan Davis is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America and Merrill. Outside of her advisory role, she is a sole proprietor involved in property management and a partner in a family-owned real estate entity. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients. The firm integrates structured planning tools and various investment strategies while managing approximately $2.74 trillion in client assets.

Christopher Cooney is a financial advisor with LPL Financial in Fairfield, NJ, holding the CFP® designation and Series 66 license. He has 23 years of industry experience, including 11 years with Invest Financial Corporation and 8 years with LPL Financial. Outside of financial services, he has been involved in Shipee's Pharmacy for over two decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services through a large network of advisors, utilizing strategic and tactical investment options supported by advanced operational tools.

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.

Joseph Vogler is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 15 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he is a partner and director of sales at Bergen Tele, a digital advertising business serving local companies. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Jake Barone is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Ocean Mist and held various roles outside finance, including positions at South Kingstown School District and Whalers Brewing Co. Outside his advisory work, Barone is involved with Braverhood, a community habilitation organization assisting individuals with disabilities. Morgan Stanley Wealth Management provides a broad range of advisory services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and approved tools but generally does not include individualized security recommendations as part of standalone plans.

Jin Joo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2010. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

James Lugo is a financial advisor with Wells Fargo Advisors in Pearl River, NY, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Lugo is involved as a finance committee member with the Bergen County Players and is also an actor with Phoenix Rising Productions PRP LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers comprehensive financial planning and investment services, using proprietary research and planning tools to create tailored recommendations across a broad range of client needs.

Christopher Hormaza is a financial advisor at Equitable Advisors with a Series 66 credential and one year of experience in the industry. His prior work history includes roles at Blinds To Go, AT&T, and T-Mobile. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a variety of asset management programs through a broad network of Investment Adviser Representatives. The firm utilizes third-party asset managers and advisory programs, providing clients access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Yanhong Li is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Axa Advisors LLC, First Heartland Consultants Inc., AIG, Equity Services, Inc., National Life Group, and MSI Financial Services, Inc. She also serves as a trustee for her husband's and mother's trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory programs, including third-party model portfolios and discretionary managers, and offers ERISA fiduciary services to qualified plans through credentialed advisors.