Peter Costello is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 66 registrations and has worked in various roles within Wells Fargo since 2009. Costello is also a part-owner of HUB Advisors, LLC and PCC Capital Corp, two investment-related businesses based in Westfield, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, utilizing Wells Fargo’s research and planning tools to develop customized recommendations.

Daniel Del Guercio is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual, Alton Lane, Quintiles, and Health Fitness Corporation. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and delivers written recommendations focused on investment categories and strategies.

Jack Lind is a financial advisor with Charles Schwab in Bridgewater, NJ, holding Series 63 and Series 66 designations and 25 years of industry experience. He has previously worked at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Lind has been with Charles Schwab and its affiliated entities since 2018. 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 alternative investment options.

Damjan Djuric is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has seven years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers services on a non-discretionary basis, typically recommending funds and strategies approved through its internal review processes.

Jack Carroll is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Prior to joining Merrill, he worked at UBS Financial Services, Inc. for two years. His background also includes involvement with the University of Maryland Men’s Basketball program. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Brosnan is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2000, currently operating out of Bridgewater, NJ. Prior to joining Bank of America, N.A. in 2026, he spent over two decades with Merrill Lynch. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amelia Christina Wolfe is a financial advisor at J.P. Morgan Securities with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan since 1992, including a decade at J.P. Morgan Chase Bank. 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 through a team of Wealth Advisors. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Anthony Ruscetta is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. His prior work experience includes roles at Hobart and William Smith Colleges and other diverse positions outside the financial industry. 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.

Laurence Haiken is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in wealth management in 1993 after graduating from Rutgers University with a bachelor's degree in Economics. He spent 12 years managing fixed income portfolios for high net worth individuals, institutions, and hedge funds at J.B Hanauer & Co. Laurence joined Bank of America in 2005 and transitioned to Merrill Lynch Wealth Management in 2009. Laurence has experience working with clients such as C-suite executives, entrepreneurs, business owners, and wealthy families. He focuses on understanding clients' business and family needs to provide customized advice, guidance, and strategies aimed at helping them achieve their financial goals. His client focus areas include college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, portfolio management, small business strategies, and retirement income. He coordinates efforts with Merrill Lynch, Bank of America professionals, and outside advisors such as attorneys and tax professionals to streamline his clients' financial lives. He holds professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Laurence is involved with professional organizations such as the Black Professional Group (BPG) and the Tri-State Black Executive Leadership Team (BELT NJ) at Bank of America. Outside of work, he has coached youth lacrosse and football and volunteers with teens and young adults transitioning from higher education to the workforce as well as those affected by addiction and mental illness. Laurence resides in Warren, New Jersey, with his wife Laurie, their four children, and five dogs.

Soumit Sarkar is a CFA® and holds a Series 66 license with 16 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at The Investment Center Inc and Center Street Securities. Outside of his advisory role, he owns and operates multiple businesses including a financial consulting and coaching firm, and he also acts as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of platform arrangements and both discretionary and non-discretionary investment strategies.

Kaylee Guerra is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Financial Advisor at Merrill Lynch from 2017 to 2024. In her current position, she collaborates with clients to develop customized financial plans tailored to their unique family needs, focusing on strategy identification and ongoing communication. Kaylee holds a California Insurance License, supporting her ability to advise clients on insurance-related financial matters. Outside of her professional work, she has interests in board games, comedy, family activities, football, pets, and softball.

Justin Skarbnik is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. His career includes roles at Wells Fargo Advisors LLC, Citigroup Global Markets, and Morgan Stanley DW Inc. He is based in Bedminster, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and emphasizes research-based portfolio management and diversified investment options.

Stephen Ng is a financial advisor with Osaic Wealth, Inc. in Springfield, NJ, holding the ChFC® designation and Series 63 and 65 licenses. He has 34 years of industry experience, including 14 years at SagePoint Financial, Inc. He is the owner of Genesis Financial Strategies, Inc. and Stephen Ng Financial Group LLC, which work on life and health insurance cases, and serves on the board of trustees for Doxa Church, a 501(c)(3) organization. Ng is also the author of *10 Financial Mistakes You Should Avoid: Strategies Designed to Help Keep Your Money Safe and Growing*. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm uses firm-provided tools for asset allocation and portfolio construction across various asset classes, managing accounts on discretionary and non-discretionary bases.

Richard Schwartz is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets Inc from 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 structured planning tools and scenario modeling as part of its financial planning process.

Matthew Lapera serves as an Associate Resident Director at Merrill, where he provides personalized wealth management strategies tailored to individual client needs. He specializes in areas including equity compensation services, family wealth management, investment consulting for defined contribution plans, liquidity management, retirement income planning, and values-based investing. His approach centers on developing strategies that reflect clients' long-term financial goals and adapting to changing market conditions. A native of New Jersey, Matthew began his financial career as a Merger Arbitrage Analyst on the New York Stock Exchange before transitioning into wealth management. He spent four years as a financial planner at Morgan Stanley before joining Merrill to leverage its resources for improved client service. Matthew holds a Bachelor's Degree from Monmouth University and maintains professional designations as a Certified Private Wealth Advisor, Chartered Retirement Planning Counselor, and Personal Investment Advisor. He is a member of the IMCA & Investments and Wealth Institute®. Outside of his professional role, Matthew participates in community volunteering activities consistent with Merrill's tradition of community involvement. He also enjoys billiards, boating, chess, fishing, football, golfing, running, swimming, traveling, and spending time with his family.

Brett Locker is a financial advisor with LPL Financial based in Warren, NJ. He holds the Series 66 designation and has one year of industry experience. Outside of his advisory role, he is involved with Herc Rentals Inc and coaches sports and fitness activities through Trilax Inc. 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 investment management services through a large network of advisors utilizing model portfolios, third-party subadvisors, and customizable strategies.

Peter Berzins is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. In addition to his advisory role, Berzins serves on an advisory committee for the Bass Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services across a broad platform.

Viktor Misko is currently serving as Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2025. He has been associated with Fidelity Investments in various capacities since 2010, including Vice President Wealth Planner and Investor Center Financial Consultant, reflecting a continuous professional commitment within the firm. Prior to joining Fidelity, Viktor worked as a Financial Advisor at Merrill Lynch and Morgan Stanley. Throughout his career, Viktor has focused on helping clients simplify their financial lives, aiming to empower them towards financial independence through trusted guidance. His team's mission emphasizes supporting clients in managing their financial affairs so they can concentrate on what matters most to them and their families. He seeks to be a key resource for all aspects related to his clients' financial needs. Outside of his professional responsibilities, Viktor has an interest in family activities, fitness, football, pets, reading, and soccer.

Karen Joyner is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at UBS Financial Services from 2012 to 2025 before joining Merrill. Outside of her advisory role, she serves as the treasurer for the Oak Hills Association, a neighborhood homeowners' organization in Metuchen, NJ. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and other institutions.

Robert Griener is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Transamerica Financial Advisors, World Financial Group, and Celadon Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator, advisor to registered investment companies, and use of AI-driven research methodologies.