Vincent Minutillo is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 63 designation and 38 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2017 and previously held positions at Morgan Stanley and Morgan Stanley Private Bank. 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.

Lenka Villani is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. from 2013 to 2016. Villani is also associated with Wells Fargo Bank NA, where she has worked since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Runa Kutty is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in a goals-based approach to wealth management, working closely with clients to understand their family dynamics, financial situations, and priorities. Using this foundation, she develops personalized, flexible financial strategies that adapt to evolving client needs and market conditions. Runa leverages the extensive global resources of Bank of America to support her clients in areas such as college education planning, executive compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and tax minimization. Runa holds a Bachelor's Degree from Columbia International University and earned her MBA from Duke University, The Fuqua School of Business, with concentrations in Investment Finance and Corporate Finance. She is also a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Beyond her professional work, Runa serves on the board of Friends of Runa Simi, a non-profit organization, and supports charities focused on art, education, and community development.

Kellen Hardy is a CFP® professional with four years of industry experience, currently serving at Mass Mutual Investors Services. He holds the Series 66 credential and has been associated with MML Investors Services, LLC and MassMutual Life Insurance Co since 2021. Outside of his advisory role, Hardy is an independent insurance agent involved in the sales and service of life insurance, disability, long-term care, fixed annuities, and health insurance. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations through structured, collaborative relationships.

George Rinehart is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors LLC and Kemper Sports. Outside of his financial career, he has experience working at Seton Hall University and in the hospitality sector. Mass Mutual Investors Services 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 engagements using advanced software tools, along with specialized programs such as divorce planning and employer-sponsored planning services.

Mohamad Halabi is a Wealth Management Advisor with Merrill Lynch Wealth Management, a position he has held since 2007. He specializes in creating customized financial strategies tailored to individuals, families, and businesses, focusing on portfolio analysis, investment management, corporate retirement plans, and retirement planning utilizing various account types such as 401(k)s, IRAs, Roth IRAs, and others. His practice also addresses small business needs, estate planning, life insurance, liability management, real estate financing through Bank of America, and college planning strategies including ESAs and 529 plans. Mohamad partners with industry professionals to ensure precise and effective financial solutions for his clients. Mohamad holds a Bachelor's Degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER™ professional, certified by the Certified Financial Planner Board of Standards Inc. He also holds the Personal Investment Advisor (PIA) designation and maintains his NMLS license (#781031). Fluent in English and Arabic, Mohamad's client focus includes investment consulting for defined contribution and defined benefit plans, legacy planning, liquidity management, managing new wealth, and retirement income strategies. Residing in Somerset County, New Jersey, Mohamad is the brother of four sisters and married in 2020. He dedicates time to community involvement through volunteer work and balances his professional life with personal interests such as biking, bowling, chess, hiking, photography, running, traveling, watching movies, and spending time with family.

Giovanna Pagano Decker is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and HSBC since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Lee Quenault is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2012 and holds a Series 63 designation. Outside of his advisory role, he oversees design and sales direction for Quenault LLC, an online retailer specializing in custom platform tennis and pickleball covers. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research, discretionary portfolio management, and a range of capital markets and fiduciary services.

Brett Bernstein is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, Merrill, Acutis Diagnostics, and Rutgers Business School. 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 to individual, high-net-worth, and institutional clients.

Jack Conway is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2023. Prior to his current role, he held positions at Mutual of America Financial Group, Dick's Sporting Goods, and was affiliated with George Washington University. 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, distribution, and investment management capabilities.

Timothy McGowan is a Financial Advisor at Merrill Lynch Wealth Management. He assists clients by providing personalized advice, investment guidance, and financial planning aimed at helping individuals and families pursue their short- and long-term financial goals. His expertise includes education planning, legacy planning, managing new wealth, and retirement income. Timothy is a registered Financial Advisor and holds the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from James Madison University. His professional approach emphasizes building lasting relationships and understanding each client's unique situation to provide ongoing advice and guidance that adapts to changing needs. Outside of his professional work, Timothy is involved in community activities such as "America's Grow-A-Row | Help Feed The Hungry." His personal interests include baseball, basketball, cooking, football, golfing, ice hockey, photography, traveling, volleyball, and watching movies.

David Madee is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 designations and with 47 years of industry experience. His previous work includes 18 years at Cantella & Co., Inc. He is based in Short Hills, NJ. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions through independent Financial Professionals, utilizing both proprietary and third-party strategies across various custody and platform arrangements.

Hemal Parikh is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and previously spent 14 years with Metlife Financial Services. 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, and educational seminars, delivering collaborative, goal-based advice using proprietary software tools.

Therese Miller is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 63 and Series 65 licenses and 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is an author involved with a project called Milky's Way. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Christian Brogan is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise in 2026, he worked at Equitable Advisors and Equitable from 2021 to 2026 and TPS Financial from 2020 to 2021. Outside of finance, he was involved with Bonds Tavern from 2016 to 2021. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform. The firm combines adviser programs with active sales of financial products and provides access to model portfolios, third-party asset management, and insurance products.

Jin An is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Prior to joining Wells Fargo Clearing in 2017, Jin worked at Wells Fargo Bank, N.A. and spent eight years at BSI Construction. Outside of advisory work, Jin co-owns two wholesale businesses with a spouse, specializing in phone cards and jewelry. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Franco Alfieri is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2012, progressing through various positions including Branch Leader from 2023 to 2025, and Vice President, Financial Consultant from 2018 to 2023. Prior to joining Fidelity, he worked as a Financial Advisor at Metlife from 2011 to 2012. Franco focuses on building relationships founded on trust and education, aiming to empower clients to make informed decisions about their financial planning. He emphasizes helping clients understand their options and considerations to feel confident and prepared for important financial moments. Outside of his professional work, Franco enjoys concerts, family activities, football, outdoor adventures, soccer, and traveling.

Hasnain Mir is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Mir Group. Since launching his Merrill career in 2005, Hasnain has developed integrated financial strategies and portfolios primarily for business owners, focusing on defined benefit and defined contribution plans. He works closely with plan sponsors, their families, and employees to provide education on plan specifics and investment choices. Hasnain also facilitates clients’ access to banking services including cash management, debt consolidation, and lending solutions through Bank of America, N.A. Hasnain’s client base includes self-made entrepreneurs, medical and legal professionals, corporate executives, and multi-generational families across New Jersey and 15 additional states. His expertise covers a range of financial planning areas such as college education planning, divorce transition planning, liquidity management, retirement income, and small business strategies. He holds a Personal Investment Advisor (PIA) designation and completed an Accredited Certificate Program at Middlesex County. Outside of his professional role, Hasnain is an avid golfer, cyclist, and fitness enthusiast residing in Somerset, New Jersey with his wife. He and The Mir Group engage in pro bono work and support various charitable organizations as part of their commitment to giving back to the community.

Debra Shipps is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Merrill since 2012. Outside of her advisory role, she serves as the Fundraising Chair for Boy Scouts Pack 140 and is the Mayor of Knowlton Township, New Jersey. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ronald Kovac is a CFP® and ChFC® credentialed financial advisor with 39 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority and integrating planning with managed-account programs under a consolidated billing option.