Stephen Becker is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Cetera, he worked at Avantax Advisory Services and operates Beckers Tax Service, a tax preparation and consulting business serving individuals, businesses, and estates. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to over 10,000 advisors nationwide, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services with access to affiliated and unaffiliated third-party managers.

Joseph Silerto is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Scottrade, Inc., National Securities Corp, and Prudential-related firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management supported by research and model portfolios.

Michael Stefani is a financial advisor at Raymond James Financial with 21 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch. He is also an associate at Iron Ridge Wealth Management Group. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, and institutional entities, offering financial planning and non-discretionary investment consulting supported by firm research and a broad affiliate network.

Eileen Mclaughlin is a Series 66-licensed financial advisor with 19 years of industry experience. She has been with Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm is integrated with Bank of America’s broader platform, providing access to various financial products and services.

Barry Friedson is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Cetera, Allied Wealth Partners, and Minnesota Life Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and investment management options supported by extensive research and technology.

Luis Sarmiento is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018. Prior to that, he was with David Lerner Associates, Inc. from 2017 to 2018 and has experience outside the financial industry. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by in-house research and alternative investment options.

Alyssa Fielding is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, portfolio management, socially responsible and values-based investing, as well as retirement income planning. Alyssa collaborates with clients to develop personalized strategies that align with their unique ambitions, priorities, and financial goals. Alyssa earned her bachelor’s degree from Rider University in 2013 and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification through the Certified Financial Planner Board of Standards, Inc. She also holds the Personal Investment Advisor (PIA) designation. Since beginning her career at Merrill Lynch Wealth Management, Alyssa has focused on creating comprehensive wealth management plans tailored to clients’ individual circumstances. Outside of her professional role, Alyssa enjoys cooking, snowboarding, traveling, and spending time with her family.

David Giegerich Jr. is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as an Investment Consultant from 2023 to 2025 and as a Financial Representative from 2021 to 2023, all within Fidelity Investments. Before joining Fidelity, he worked as a Branch Ambassador at Capital One from 2018 to 2021. David's approach to financial consulting emphasizes building relationships based on trust and confidence through holistic financial planning. He focuses on understanding clients both personally and financially to develop tailored financial plans aimed at helping clients pursue their goals. He holds a California Insurance License. Outside of his professional work, David enjoys family activities, fitness, exploring food, hiking, visiting museums, and skiing.

Kathleen Joyal is a financial advisor at Merrill with 42 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Merrill since 1983 and Bank of America since 2009. Outside of her advisory role, she serves as an executor for a family estate. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

William Sullivan is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at UBS Financial Services Inc for 14 years before joining Raymond James in 2022. Outside of his advisory role, he is involved in local government through a political office in Essex Fells, NJ. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and municipal clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both non-discretionary and discretionary advisory relationships, and has notable capabilities in public finance and municipal services.

Dora Maltez is a financial advisor with LPL Enterprise, holding a Series 66 designation and 25 years of industry experience. She has worked with Prudential Insurance Company of America since 2014 and was previously with Pruco Securities, LLC. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services, utilizing a platform that combines model portfolios, third-party asset management, and access to insurance products.

Francis Scally serves as the Senior Resident Director at Merrill Lynch Wealth Management in Flemington, New Jersey. He has been with Merrill since 1996, bringing over 28 years of experience in the financial services field. In his role, he manages the Flemington office while providing wealth management advice centered on a diversified, risk-based investment process aimed at managing risk and generating absolute returns. Francis is a qualified portfolio manager and a CERTIFIED FINANCIAL PLANNER® professional. He offers clients a comprehensive approach that includes personalized strategies involving individual securities, Merrill model portfolios, and third-party investment options. His expertise spans a range of client focus areas such as college education planning, family wealth management, retirement planning, tax minimization, and legacy planning. Francis holds a bachelor's degree from Molloy College, where he also played basketball and earned a scholarship. Residing in Flemington with his wife Michele and their three children, Francis is active in the local community. He coaches youth sports, including his son's lacrosse team, and enjoys activities such as cooking, music, and reading.

Michelle Janus is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and two years of industry experience. Prior to joining Mass Mutual in 2023, she worked in education and retail, including positions at Washington Township and Midland Park School Districts, Ulta, and Joe Trivia. She also operates an outside insurance business specializing in life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, utilizing collaborative, software-supported approaches to develop written recommendations tailored to client goals.

Victoria Esarey is a financial advisor with Primerica Advisors in Lebanon, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. Her career includes roles at Faneuil Inc and long-term engagements with PFS Investments Inc and Primerica Financial Services. She is involved in sales of investment-related products and also receives compensation for referrals related to mortgage loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional or pension plan services.

David Briegs serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been providing guidance since 1989. He is part of The Kugel Briegs Group, which offers client-focused wealth management services that combine personalized attention with the resources of a large financial institution. His approach to wealth management centers on understanding clients' goals and developing long-term, planning-based strategies tailored to each individual's needs. David's areas of expertise include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds multiple industry designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor of Science degree in Business Economics from Rutgers University and completed the CFP® Professional Education Program at the College for Financial Planning as well as the Certified Investment Management Analyst® Program at the University of Pennsylvania Wharton School of Business. Outside of his professional career, David is a retired three-time U.S. National Champion in Skysurfing with over 2,500 jumps, has competed in three ESPN X-Games, and was a member of the U.S. Team in the World Championships in 1999. He holds a 4th degree black belt in Combat Hapkido.

Jeffrey Durr is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and over 35 years of industry experience. He has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Co. since 1998. Outside of his advisory role, he coaches young insurance agents on building their practices. Mass Mutual 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 programs using collaborative and technology-driven approaches.

Goutam Ghosh is a financial advisor at Morgan Stanley with 23 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Pratibha Sharma is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes roles at Ameriprise, PNC Bank, and various insurance agencies. Before entering the financial industry, she spent several years in homemaking. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad array of financial products and services beyond typical investment offerings.

Bruce Hesse is a financial advisor with Cetera, holding the PFS™ credential and Series 63, 65, and 66 licenses, and has 30 years of industry experience. His career includes roles at Avantax, 1st Global Advisors, and Private Advisor Group. Outside of advising, he serves as president of a condominium association and manages a tree farm in Maine. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and provides access to multiple investment platforms, including affiliated and third-party money managers.

Fernando Valente is a financial advisor with LPL Financial in Basking Ridge, NJ, holding a Series 63 designation and over 34 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.