Lawrence Sailer is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management in Wayne, New Jersey. With 44 years of experience at Merrill Lynch, he specializes in college education planning, managing new wealth, and retirement income strategies. His approach focuses on developing personalized financial plans that reflect clients’ unique goals and priorities, aiming to simplify the complexities of investing. Lawrence holds a Bachelor of Arts degree in Psychology from Jacksonville University and is a Personal Investment Advisor (PIA). He resides in Kinnelon, New Jersey with his wife, Leslie. Outside of his professional work, Lawrence enjoys golfing, spending time with his family, traveling, and is actively involved in his church community.

William Banulski is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Sabrina Abdelaaty is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including TD Ameritrade, Tapfin/EY, Hightower Financial Principles, and Sax Wealth Advisors. Charles Schwab serves a large client base, 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 offers a combination of non-discretionary investment guidance with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Megan Cooney is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill for the past 10 years. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Michael Aprigliano is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has previously worked at JP Morgan Securities, JP Morgan Chase Bank, Wells Fargo Clearing, Citigroup Global Markets, and A.G. Edwards & Sons. 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.

Theodore Agelis Jr is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 registrations and with 18 years of industry experience. He has worked at PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. He is also involved in the sale of loan products and home security services through affiliates of PFS Investments Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for 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 and delivers advisory services using model-based strategies supported by third-party asset managers.

Kevin Fay is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 65 credentials. He has 34 years of industry experience, including 12 years at Oppenheimer prior to joining Wells Fargo Clearing in 2020. He also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Lori Sackler is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets. Outside of her advisory role, Lori is the creator and host of a radio show and author of "The M Word," a book she continues to develop, and she serves on several nonprofit and community boards, including the Martha Graham Dance Company and the New Jersey Israel Commission. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning through structured discovery and firm-approved tools, with approximately $2.74 trillion in client assets under management.

Jon Salmanson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 43 years of industry experience. His prior work includes roles at Cantella & Co., Inc. and Northeast Securities, Inc. He is also president of Hubble Wealth Management, a financial services firm. 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 through a network of independent Financial Professionals. The firm offers both proprietary and third-party investment strategies across various custody platforms, with options for discretionary and non-discretionary management.

Michael Carbone is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. Prior to this role, he gained over eight years of experience in the financial technology and real estate sectors, which equipped him with a comprehensive understanding of customer needs and modern investment opportunities. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, special needs planning, and retirement income. Michael approaches wealth management with a thoughtful and forward-looking perspective, emphasizing personalized guidance. He works closely with individuals and families to understand their unique situations and priorities, such as retirement planning, business opportunities, and long-term wealth building. He develops customized strategies utilizing the resources of Merrill and Bank of America, maintaining active engagement to provide ongoing guidance and adjustments as clients' circumstances evolve. Born and raised in the tri-state area, Michael holds a bachelor's degree from the University of Scranton and has earned the Personal Investment Advisor (PIA) designation. He resides in Essex County with his wife and enjoys engaging in his community, improving his golf game, and spending time with his family.

Thomas Mc Cullum is a financial advisor at Merrill with 22 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Merrill Lynch since 2019, with prior roles at Stifel Nicolaus and David Lerner Associates. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers.

Kyle Hanselman is a CFP® with 15 years of industry experience, currently serving as an associate at Raymond James Financial in Saddle River, NJ. His career includes roles at Park Avenue Securities and Guardian Life Insurance Company of America. Outside of financial services, he works part-time in wedding sales and operations at Crossed Keys Estate. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individual, high-net-worth, corporate, charitable, and institutional clients. The firm employs tailored, non-discretionary planning and risk profiling, supported by analytical tools, and is notable for its municipal advisor affiliation and innovative plan-level advisory services.

Dennis Cordova is a financial advisor with LPL Enterprise and holds the CFP® designation along with Series 63, 65, and 66 licenses. He has 18 years of industry experience, formerly working at Bank of America N.A., Merrill, and Key Investment Services LLC. His outside activities include serving as a trustee in a fiduciary capacity. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, employer-sponsored retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers and various financial planning and consulting services.

Scott Aber is a financial advisor with Cetera, holding a Series 63 designation and 25 years of industry experience. He is also the owner of Scott M. Aber CPA PC, providing accounting and tax services since 1998, and serves as president of Bookkeeping Chef Inc., an online bookkeeping business. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Matthew Dellamura is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has previously worked at Le Chateau, M&T Bank, Instacart, and Villa Barone. 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 employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with formal advisory roles to multiple registered investment companies.

Don Goldstein is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry. He specializes in working with high net worth individuals and small business owners, focusing on developing diverse and disciplined long-term investment strategies. Don’s approach centers on identifying clients’ financial goals and creating personalized plans to help them pursue those objectives over time. Throughout his career, Don has concentrated on areas such as college education planning, family wealth management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from Fairleigh Dickinson University and the Professional Investment Advisor (PIA) designation. In addition to his professional work, Don dedicates time to community involvement, reflecting the Merrill tradition of local service. His personal interests include boating, golfing, skiing, and traveling. He emphasizes working closely with clients one-on-one to tailor financial strategies that align with their long-term goals.

Dara Hubbard is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and worked previously at Morgan Stanley for five years before joining Merrill in 2017. Outside of her advisory role, she works as a receptionist at Ramsey Veterinary Hospital. 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 and profit-sharing plans, corporations, and charitable organizations.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Cambridge since 2013 and serves as an independent insurance agent. Additionally, he is a board member director of NY Bio Healthcare Pvt Limited, a distributor of disposable medical devices. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Antoine Ojeil is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2024, he worked for Citi Private Alternatives, LLC and Citigroup Global Markets from 2014 to 2024. 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 using model-based and discretionary investment strategies.