Ralph Ades is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds the Series 66 designation and has five years of industry experience. Prior to joining Equitable Advisors in 2021, he worked at Rutgers University and was involved with Camp Allsport and Hillel Yeshiva. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a range of advisory programs, including third-party models and discretionary management, and offers ERISA fiduciary services through credentialed representatives.

Michael Murphy is a financial advisor at UBS Financial Services with eight years of industry experience. He previously worked at Gartland and Mellina Group from 2013 to 2017. Murphy serves as Treasurer and is a member of the Board of Directors for the John M. & Nancy S. Murphy Foundation, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and advisory offerings, including financial planning and portfolio management. The firm leverages proprietary research and capital market assumptions to tailor strategies and operates with a broad platform that includes institutional trading, market-making, and affiliated banking services.

Milo Freeman is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Bank of America and Chimera Securities LLC. He also has experience with Rutgers Athletics and Rutgers University. 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.

Thomas Laporta is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior roles include positions at Bank of America, Merrill, Santander Securities, and Sovereign Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures across multiple custodial relationships.

Sherman Daal is a financial advisor with Morgan Stanley in Jersey City, NJ, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at E*TRADE Securities and E*TRADE Capital Management from 2013 to 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes approved tools and modeling techniques.

Daniel Esparza is a Series 66 licensed financial advisor at UBS Financial Services with eight years of industry experience. He has previously worked at Citibank NA for ten years before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research, custody, underwriting, and capital markets services.

Carl Besana is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Merrill since 2002. Outside of his advisory role, Besana serves as a board member and volunteer coach for the Clifton City Tigers Basketball, a nonprofit organization focused on developing basketball and volleyball skills among Filipino American youth. 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.

Matthew Yoffredo is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has worked at UBS since 2019, previously spending three years with Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research with both fee-based and transactional services. The firm integrates institutional trading capabilities with wealth management, providing a broad range of capital markets and advisory solutions.

David Trinkoff is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after beginning his career in the financial services industry in 1998, following a tenure as a senior accountant at an international CPA firm. David holds a bachelor's degree in business management from Ithaca College and a master's degree in accounting from Long Island University. He is a Certified Private Wealth Advisor (CPWA) and a Personal Investment Advisor (PIA). As a qualified portfolio manager, David provides clients with personalized wealth management strategies that may include a combination of individual securities, Merrill model portfolios, and third-party investment strategies. He serves a diverse clientele including families, executives, attorneys, and physicians, and may manage investment strategies on a discretionary basis through the firm's Investment Advisory Program. In addition to his professional work, David has been involved with nonprofit organizations, including service on the board of the Northern New Jersey Chapter of the March of Dimes. He resides in Mendham, New Jersey with his wife and three children. In his free time, David enjoys playing tennis and golf.

Andrew Antanis is a Financial Advisor based in Manhattan with Merrill Lynch Wealth Management. He specializes in working with professionals whose income and equity have exceeded their initial financial plans, assisting clients in managing complex equity compensation, retirement planning, portfolio management, and behavioral coaching through volatile markets. Andrew's background includes hospitality, law, and psychology prior to his career in finance, which influences his approach to client relationships emphasizing clear communication and tailored planning. He holds the designations of Accredited Wealth Management Advisor (AWMA) and Certified Plan Fiduciary Advisor (CPFA), among others, and earned a Bachelor's degree from Ramapo College of New Jersey. Outside of his professional work, Andrew is a member of the Friendly Sons of St. Patrick. His personal interests include biking, camping, cooking, gardening, golfing, hiking, music, photography, spending time with family, and traveling.

Patrick Rafferty is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. In addition to his advisory work, he receives compensation for referrals related to home security, automation products, and home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers, uses a tiered wrap fee structure, and delegates trading responsibilities to BNY Mellon Advisors.

Harrison Rottman is a Series 66 licensed financial advisor at UBS Financial Services with five years of industry experience. His prior roles include positions at Equitable Advisors and Lambda Chi Alpha. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Brianna Roche is a Senior Financial Advisor at Merrill Lynch Wealth Management, serving on the advisory side of the Private Executive Services (PES) team. She provides personalized wealth management advice and guidance to affluent families, corporate executives, and business owners. Brianna manages discretionary custom investment strategies by selecting from a range of Merrill Lynch model portfolios and third-party investment strategies to help clients pursue their financial objectives. She holds Series 7 and Series 66 FINRA registrations, Life and Health Insurance licenses, and the Certified Divorce Financial Analyst® (CDFA®) designation awarded by The Institute of Divorce Financial Analysts™. Prior to joining Merrill Lynch in 2015, Brianna worked at Goldman Sachs and on the trading desk of a Boston-based hedge fund. She earned dual Bachelor of Science degrees in Finance and Entrepreneurship from Northeastern University. Brianna resides in Manhattan and enjoys spending time with her chocolate labradoodle, Teddy, and bernedoodle, Bailey.

Gabriella Pia is a financial advisor at UBS Financial Services with one year of industry experience. She holds a Series 66 designation and has previously worked at Stifel Financial Corp. and in the Hamilton College Economics Department. Gabriella has also been involved with Long Branch Ocean Rescue. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to provide tailored financial plans and portfolio management.

Robert Torcivia is a financial advisor at Morgan Stanley in Morristown, NJ, with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services under both individual and corporate financial planning agreements.

John Larkin is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has worked with Merrill since 1983 and has been with Bank of America, N.A. since 2011. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Jason De Jesus is a financial advisor with UBS Financial Services, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans to clients’ goals and risk tolerances.

Evan Soff is a financial advisor with J.P. Morgan Securities in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior roles include positions at Citigroup Global Markets and First Republic Investment Management. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Ryan Kimiadi is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has prior experience at Equitable and as a self-employed professional. He has also held roles in academic and food service settings. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Lee Dyer is a financial advisor with RBC Capital Markets in New York, NY, holding a Series 66 designation and 18 years of industry experience. He has been with RBC Capital Markets in various capacities since 2008, including his current role beginning in 2019. Prior to that, he worked briefly at Creative Circle in 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.