Madison Fletcher is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. Prior to Merrill, Fletcher worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities for two years. Outside of financial services, Fletcher held a position with the Pemberton Board of Education. 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 plans, corporations, and charitable organizations.

Francesco Olmo is a financial advisor with LPL Financial in Toms River, NJ, holding the Series 66 designation and three years of industry experience. His prior work includes roles at Baycrest Partners and law enforcement positions with the Point Pleasant Beach and Little Silver Police Departments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by model portfolios, research, and both discretionary and non-discretionary management.

Anna Burns is a financial advisor with Morgan Stanley in Lavalette, NJ, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and scenario modeling.

Christian Alino is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of finance, he has been involved with The Shrimp Box and Outside the Box Patio Bar in a non-investment role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

James Sturiale is a financial advisor with Merrill holding a Series 66 credential and one year of industry experience. His prior work history includes roles at Bank of America, PNC Bank, and Community Options. Outside of finance, he works as a server at Olive Garden. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His approach involves detailed discussions of clients' financial objectives, concerns, and questions to provide personalized investment and retirement planning guidance, as well as preparation for unforeseen financial needs. His expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategies, tax minimization, and retirement income. Yaakov holds professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Yaakov earned a Bachelor's degree from Fairleigh Dickinson University and a Master's in Financial Planning from the College For Financial Planning. Outside of his professional role, he engages in adventure sports, hiking, table tennis, and spending time with his family.

Matthew Mahon is a financial advisor with Merrill who holds a Series 66 designation and has 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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.

Rocco Lepore is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is the sole owner of R Lepore Spa MGMT LLC, a resort rental management business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and firm-approved tools but does not provide individual security recommendations as part of its standalone financial planning program.

Brett Sabio Sr. is a financial advisor at Osaic Wealth, Inc. with 27 years of industry experience. He holds the PFS™ and Series 63 designations and has worked previously at Securities America Advisors, Inc. and Royal Alliance Associates, Inc. In addition to his advisory work, he is a licensed Certified Public Accountant. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services along with financial planning, retirement consulting, and access to multiple managed-account solutions.

Gillian A Rcher is a financial advisor at Merrill with seven years at the firm and one year of industry experience. She holds a Series 66 designation. Prior to joining Merrill, she worked at Bank of America and Monmouth Medical Center. Outside of her advisory role, she owns an online retail store called On a Lark. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Maset is a financial advisor with Wells Fargo Clearing in Whiting, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Darren Odom is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and six years of industry experience. He has served in the U.S. Army and has been involved with Combat Connect since 2021. Outside of advising, he owns Darren E. Odom, LLC, a non-investment-related business. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-based investment strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing.

Carla Cardinali is a financial advisor with Edward Jones in Toms River, NJ, holding a Series 66 designation and 16 years of experience at the firm. Her career has been solely with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

George Galiatsatos is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill and work in the automotive and hospitality sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and funds.

Christopher Faust is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that includes client intake processes to document goals and risk tolerance, offering both advisory and brokerage/insurance channels to implement recommendations.

Richard Tedeschi is a CFP® professional with 30 years of experience in the financial services industry. He is currently with OSAIC and has prior experience at Securities America Advisors and Securities America, Inc. He also operates an estate planning and administration law practice and manages a tax preparation business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services with a range of portfolio management tools and third-party investment solutions.

Paul Massaro is a Series 66-licensed financial advisor with Morgan Stanley in Toms River, NJ, with 10 years of industry experience. He has worked at Morgan Stanley since 2019 and previously spent nine years at Merrill Lynch Pierce Fenner & Smith. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes a structured financial planning process supported by firm-approved tools and market simulations.

Patrick Sheehan is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on various aspects of financial planning, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Patrick facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Patrick's expertise lies in helping clients manage complex financial demands, from purchasing a home and saving for college to addressing healthcare needs and elder care. He works closely with clients to define their objectives and select portfolio strategies tailored to those goals. As a Personal Investment Advisor, he offers ongoing advice and adjusts financial plans to align with clients' changing circumstances. He holds a Bachelor's Degree from the University of Maine and a Master's Degree from Southern New Hampshire University. Patrick's approach centers on uncovering what matters most to clients and their families to create strategies that pursue their financial objectives.

Frank Strucki is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 2000. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through both direct individual engagements and corporate agreements.