Garth Williams is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and two years of industry experience. He has been with Primerica Financial Services since 2003 and also maintains a long-term role with Verizon Communications. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm employs third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plans.

Pamela Vockeroth is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2008. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jack Gorelick is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked at Blejwas Associates and held various other roles. Merrill, along 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 a range of clients including individuals, high-net-worth investors, and institutional entities.

Stephen Scafidi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked with Equitable Advisors since 2016, including its predecessor AXA Advisors. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth clients, retirement plans, corporations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual registration as an SEC-registered investment adviser and broker-dealer.

Frederick Gomez is a Series 66-licensed financial advisor with Fidelity, based in Princeton, NJ, and has 21 years of industry experience. He has worked within various Fidelity divisions since 2012, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as an advisor to multiple registered investment companies and employs systematic methodologies alongside AI technologies in its investment process.

Keith Hoffman is a financial advisor at Merrill with 13 years of industry experience. He has been with Merrill since 2006 and holds the Series 66 designation. 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 and profit-sharing plans, corporations, and charitable organizations.

David Crawford is a Series 66 licensed financial advisor with Merrill in Pennington, NJ, where he has worked since 1997. He has 27 years of industry experience. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrea Borton is a Series 65-licensed financial advisor with Merrill in Pennington, NJ, bringing 36 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2009. 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 plans, corporations, and charitable organizations.

Dave Hogan is a Financial Consultant currently working at Fidelity. He partners with clients to create personalized financial plans and provides ongoing education to help them make informed decisions about their financial goals. He focuses on understanding his clients' needs to develop customized approaches. He has held several roles in the financial services industry, including Financial Consultant at Fidelity since 2025, Investment Consultant at Fidelity Investments from 2022 to 2025, Financial Consultant at MassMutual from 2021 to 2022, Financial Planner at Northeast Private Client Group from 2020 to 2021, Relationship Banker at Bank of America in 2020, and Financial Consultant at Equitable Advisors from 2019 to 2020.

Cesare Cagnina is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2005 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he holds an outside health insurance appointment with Emerson Rogers. 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 managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored through a client intake process.

Richard Panchery is a financial advisor with UBS Financial Services in Hillsborough, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at UBS since 2000. Outside of his advisory role, he is involved as a passive referral associate with the Passaic County Board of Realtors Referral Network. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Nicholas Serra is a CFP® and holds a Series 66 license, with six years of experience in the financial services industry. He has worked at UBS Financial Services from 2018 to 2025 and has been with Morgan Stanley since 2025 in roles including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers financial planning primarily in an advisory capacity.

Nicholas Tomaselli is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2013. 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 accounts.

Nikos Antivachis is a financial advisor with OSAIC, holding Series 63, 65, and 66 credentials and bringing 24 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 10 years and is managing member of two insurance-related firms, Jona Income Solutions LLC and Carlton Risk Management, LLC. Outside of his advisory roles, he serves as a board member and travel/tournament director for the Branchburg Baseball Club. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services with access to multiple advisory platforms, third-party money managers, and unified managed accounts. The firm employs asset-allocation tools, automated rebalancing, and supports various portfolio management approaches to meet client needs.

James Simpson is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to each client’s unique goals and changing market conditions. By leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America, he assists clients in managing their wealth comprehensively. Simpson holds a Bachelor's Degree from Baylor University. He is committed to community involvement and volunteers with local organizations, reflecting the Merrill tradition of engagement in the communities served. His approach emphasizes one-on-one collaboration to help clients pursue their long-term financial objectives.

Eugene Pak is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his work at Wells Fargo, he owns and operates Kirby Advisory Group LLC, a financial advisory practice based in New Brunswick, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services that require specific advisor credentials.

Wesley Cheng is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Bank of America, N.A. and has held various roles at Rutgers University and other organizations. 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.

Jalil Jackson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked at Merrill since 2020 and has prior experience with Bank of America, PNC Bank, and several other companies. Outside of his advisory role, he works part-time as an assistant store manager at Lids Inc., a retail sports apparel store. 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.

Philip Lacava is a financial advisor with Merrill holding a Series 66 designation. He has been in the industry since 2026, with prior experience at Bank of America and Equitable Advisors. His background includes roles in education and nonprofit organizations, including the Raj and Kamla Gupta Governance Institute and Princeton Recreation Department. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.