Lucy Coyle is a Series 66-licensed financial advisor with LPL Financial, where she has worked since 2005, accumulating 26 years of industry experience. She provides insurance products aside from variable annuities as part of her financial planning services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through its large network of advisors, combining advisory and non-advisory financial services.

Steven Fornasieri is a financial advisor with Ameriprise Financial Services, Inc. in Wyckoff, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise since 2005. Outside of his advisory work, he is involved in managing two small business entities related to office services and professional expense flow-through. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team that delivers tailored, non-discretionary recommendations using a combination of research, modeling, and tax-efficiency analysis, with a focus on Ameriprise-managed accounts.

Andrew Young is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Wells Fargo Advisors and Morgan Stanley. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which provides asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Melanie Balikjian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with specialized services such as private funds and structured products.

Scott Covitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on constructing individualized financial strategies that address all areas of his clients' financial well-being, including asset allocation, education funding, retirement planning, insurance analysis, debt management, and banking resources. Scott has been recognized on The Forbes "Best-in-State Wealth Advisors" list, including most recently in 2025. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from West Virginia University. He is also a member of Sigma Alpha Mu. In addition to his professional work, Scott is involved with St. Jude. His personal interests include baseball, golfing, hiking, spending time with his family, traveling, and yoga.

Jeanne Gagliardi is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including Ameriprise Financial Services and National Asset Management. In addition to her advisory work, she serves as a notary public in New City, New York. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, operating with a large national presence and a diverse range of brokerage and advisory solutions.

Anthony Sambrato is a CFP® professional with 18 years of experience in the financial services industry. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Company, having joined in 2025 after prior roles at USI Securities, Inc., USI Consulting Group, Lincoln Financial Advisors Corporation, Wealth By Design, and Valic Financial Advisors. 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, wrap and money-manager programs, and educational seminars, focusing on collaborative, annual financial planning relationships without discretionary investment authority.

Patrick Murray is a Financial Advisor at Merrill Lynch Wealth Management. He transitioned to individual wealth and financial advisory in 2024 after retiring from a 33-year career on Wall Street in Institutional sales and trading. During his tenure, he accumulated experience navigating various market cycles and financial strategies. Patrick focuses on helping clients achieve both short- and long-term financial goals. Patrick holds a B.A. in Business Marketing from New England College and an M.B.A. in Finance from Fordham University’s Gabelli School of Business. He is licensed with Series 24, 7, 66, and 63, and holds the CERTIFIED FINANCIAL PLANNER® designation as well as the Personal Investment Advisor (PIA) credential. His client focus areas include college education planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. Outside of his professional work, Patrick is involved with the Summit Elks Lodge #1246 and is a member of the Manasquan River Golf Club. He enjoys adventure sports, baseball, bungee jumping, fishing, football, golfing, music, pickleball, skiing, and spending time with his family.

Anatoliy Keslin is a financial advisor with LPL Enterprise, holding a Series 66 designation and with 22 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is involved in managing rental property businesses. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Jacob Vaknin is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Raymond James since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension and profit-sharing plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services.

Brian Lonergan is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of his advisory role, he is involved in health insurance brokerage for individual and group clients. 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 comprehensive financial planning, asset management, and educational programs, emphasizing collaborative, goal-oriented planning supported by proprietary software tools.

Philip Nuccetelli is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His prior work includes 16 years at Equitable Advisors before joining MassMutual and its subsidiary firm in 2026. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning as ongoing, collaborative relationships and employs firm-approved analytical tools to develop written recommendations tailored to clients’ goals.

David Parsekian is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has more than three decades of financial services experience, working closely with individuals, multiple generations of families, and successful entrepreneurs to address the complex challenges of managing, preserving, and transferring their wealth. David's approach centers on understanding his clients' priorities and developing customized financial strategies tailored to their specific needs and aspirations. Before joining Merrill Lynch in 2012, David consulted clients on residential lending needs and worked in equity research at Solomon Smith Barney and Thomas Weisel Partners. He collaborates with a team of specialists and leverages the resources of a global financial institution to provide comprehensive services, including retirement income planning, wealth transfer, trust and estate planning, and access to banking, credit, and lending services. David holds a B.S. in Finance from Northeastern University and an M.B.A. from Fordham University. He maintains the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. Residing in Ridgewood, New Jersey, with his wife and three children, he volunteers with the Ridgewood Jamboree, supports needs-based scholarships for college-bound students, and has served as a Board of Adjustment member for the Village of Ridgewood. His personal interests include skiing, golfing, and Peloton bike riding.

Scott Johnston is a financial advisor at Raymond James Financial Services Advisors, Inc. with 27 years of industry experience. He holds a Series 63 designation and has previously worked at firms including LPL Financial, Kestra Investment Services, Berk Wealth Management, and OSAIC. Outside of his advisory role, he consults on basic tax preparation and accounting for a partnership firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using various analytical tools and supports clients through its extensive advisor network and specialized programs.

Michael Pechersky is a CFA® charterholder with 13 years of industry experience. He is currently with LPL Enterprise and has previously worked at firms including Prudential Insurance Company of America, MassMutual, and New York Life. Outside of investment advisory, he also provides property and casualty insurance as well as individual medical insurance. LPL Enterprise serves a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, third-party asset management access, and insurance product sales through affiliated entities.

Paul Thomasset is a financial advisor with Wells Fargo Advisors in Hackensack, NJ, holding a Series 66 designation and 13 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank before joining Wells Fargo Advisors in 2017. Outside of his advisory role, he manages an investment-related LLC and serves as trustee and power of attorney for several family trusts. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing tailored investment and fee-based financial planning services. The firm employs proprietary research and planning tools to create recommendations, offering a broad range of specialized planning services for clients who meet certain net-worth thresholds.

David Goldring is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera and its affiliate firms since 2007 and has led Goldring Wealth Management Services Inc. since 2011. Outside of his advisory role, he is involved in accounting, bookkeeping, and tax preparation through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Robert Bruno is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005 and is also a partner at Bruno Calotta & Associates LLP, an accounting and tax practice. Outside of his advisory work, he is a partner in a family-owned office building partnership. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and investment strategies.

Nader Ghoujal is a financial advisor at Charles Schwab with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Charles Schwab since 1991, including over two decades at Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

James Murphy is a financial advisor at Equitable Advisors with eight years of industry experience. He holds the Series 66 designation and previously worked at Mariner Investment Group and Axa Advisors, LLC. Located in Pearl River, NY, Murphy has been with Equitable Advisors since 2018. Equitable Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models and services.