Carol Ungar is a financial advisor with Cetera, holding a Series 63 designation and 42 years of industry experience. She has worked at Cetera and its related entities since 2005 and has been associated with Ungar & Mullin Financial Associates, Inc. since 1986. In addition to her advisory work, she is involved in tax preparation through her firm Ungar & Mullin Financial Associates and works part-time as a receptionist at Weight Watchers. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management strategies and program structures, supporting both discretionary and non-discretionary authorities.

Todd Hubley is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked with Ameriprise Financial Services, Inc. for 17 years. Hubley receives royalties from book sales. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies.

Brianne Burdzy is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 license with nine years of industry experience. She previously worked at UBS Financial Services for ten years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by advanced modeling tools.

Simone Cahill is a financial advisor with Fidelity, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Fidelity, she worked at KPMG, LLP for five years and State Street Corp. for eleven years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Thomas La Macchia is a financial advisor at Morgan Stanley with four years of industry experience and a Series 66 designation. His prior roles include positions at Securian Financial Services and Allied Wealth Partners. Outside of his advisory work, he is involved in community activities as a hockey coach for youth and is affiliated with Arcola Country Club. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Christian Desfosses is a Wealth Management Advisor at Merrill Lynch Wealth Management. He partners with clients to develop personalized financial plans aimed at achieving their family’s long-term goals. Christian focuses on areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Christian holds a Master’s Degree from Fairleigh Dickinson University and a Bachelor’s Degree from Fairfield University. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). With his team, he brings nearly a century of combined experience to guide clients through the complexities and challenges of wealth management. Outside of his professional role, Christian enjoys antiquing, golfing, music, spending time with his family, and watching movies. He emphasizes simplicity and transparency in his client relationships and values a collaborative approach, describing his group as a family that works with other families.

Robert Feighan is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, Feighan serves as an expert witness on financial planning in divorce cases and owns several business entities related to his practice. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

David Heller is a financial advisor with Cetera who holds a Series 63 designation and has 38 years of industry experience. He has served in leadership roles at DC Heller & Company, Inc. since 1990 and currently acts as president of both DC Heller & Company, Inc. and Highstreet Insurance Services Northeast LLC, where he focuses on employee benefits and risk management. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a nationwide network of over 10,000 advisors.

Ivanhoe Ffriend is a Series 63 licensed financial advisor with 44 years of industry experience. He is currently with Cetera, having joined the firm in 2023, and has an extensive background working with multiple insurance companies and financial services firms since 1979. He is the owner and president of Ffriend Enterprises, Ltd., a business focused on marketing and sales of insurance products, and also serves as a guardian for incapacitated persons. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting a mix of discretionary and non-discretionary strategies.

Amy Herrera is currently a Planning Consultant at Fidelity Investments, where she assists clients using comprehensive planning tools to support them through various life events. She focuses on understanding what is important to her clients and their families to provide tailored support. Her professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as serving as a Relationship Banker and Brokerage Associate, and previously as a Personal Banker at Wells Fargo Bank. These positions have contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Amy enjoys family activities, exploring food, social events with friends, movies, spending time with pets, and reading.

Thomas Burke is a CFP® with 39 years of industry experience currently advising at Cetera since 2018. His prior work includes over a decade at Genco Holdings and earlier roles within Cetera. Outside financial advising, he is involved in diverse business activities including managing a certified public accounting firm, a local trucking company, and bookkeeping services for a bakery. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options, combining discretionary and non-discretionary services across multiple program structures and custodial relationships.

Jessica Wuerz is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. She has worked at Cetera Investment Services LLC since 2019 and previously spent 17 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Steven Dipaola is a financial advisor at LPL Enterprise with 36 years of industry experience. His prior work includes roles at Bankers Life Advisory Services, Inc., Humana, United Health Care, Aetna, and Northeast Securities, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, consulting, and access to third-party asset managers and insurance products through affiliated entities.

Brandon Pergola is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His career includes roles at First Allied Securities, EP Wealth Management, and Guardian Life Insurance. He serves as managing member of MAKE IT HAPPEN VENTURES LLC and is involved with a nonprofit as Alumni Class President for Passaic Valley. Cetera Investment Advisers LLC is an SEC-registered firm that provides investment advisory services through a nationwide network of independent advisors. The firm serves individual investors, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management options and access to various third-party money managers.

Joseph Dailey is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Merrill and Bank of America before joining J.P. Morgan in 2021. Outside of his advisory role, Dailey owns a small woodworking business called CJD Designs LLC, where he creates commissioned pieces. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, emphasizing quantitative asset-allocation modeling and centralized manager due diligence. The firm integrates ESG criteria in its recommendations and operates within the broader J.P. Morgan financial organization.

Cristian Sierra is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and HSBC Securities. 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, and institutional investors.

John Mapes is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley since 2009 and holds Series 63 and Series 66 credentials. 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 models, and manages approximately $2.74 trillion in client assets.

Mitchell Baum is a financial advisor with Raymond James Financial in Rochelle Park, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been associated with Raymond James Financial Services since 2004 and concurrently owns Axia Financial, where he is involved in financial services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Patrick McMahon is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has one year of industry experience and previously worked with the Binghamton Athletics Department and Binghamton University. Outside of his financial career, he was involved with the Red Jug Pub for two years. 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 collaborative annual financial planning using firm-approved software and delivers written recommendations without discretionary investment authority.

Rhonda Peluso is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm employs a structured planning process that incorporates firm-approved tools and investment models to support client goals.