Louis Ferraro is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined The Joyal Group in 2014 and brings a background in banking, investments, and retirement products to his role. Louis works with a range of clients including business owners, senior executives, professionals, and individuals who have inherited assets, offering customized wealth management strategies. With 19 years of experience at Merrill Lynch Wealth Management, Louis assists clients in pursuing their objectives through discretionary management of custom investment strategies, selection from Merrill model portfolios, and third-party investment options. His expertise extends to retirement and 401(k) planning, small business strategies, and holistic wealth management. Louis emphasizes a team effort in wealth management and engages in detailed discovery processes to optimize asset allocations. Louis holds both a Bachelor of Science and a Master of Business Administration with a concentration in Finance from Rider University. He is a Certified Financial Planner (CFP®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His personal interests include baseball, football, ice hockey, reading, scuba diving, swimming, and spending time with his family.

Montgomery Gallant is a financial advisor with Ameriprise in Hamilton, NJ, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Gallant also owns the Gallant Group, a business involved in payroll and office expense management. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, offering tailored Recommendation Reports and a range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Gerald Debenedictis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at M&T Securities, Capital One Financial Advisors, HSBC Securities (USA) Inc., Chase Investment Services Corp., and BNY Investment Center Inc. He has been with LPL Financial since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors and extensive operational tools.

Darren Lange is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes extensive tenure at TD Ameritrade, where he worked from 1997 to 2019 before joining J.P. Morgan in 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and supports a range of strategies, including ESG considerations.

Cheryl Fuentes is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch since 2008. 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.

Stephen Gribben is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Citigroup Global Markets from 2002 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages substantial assets and offers both brokerage and advisory solutions supported by research and analytics.

Robert Junge is a Certified Financial Planner (CFP®) with 37 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Private Advisor Group, PNC Wealth Management, Wells Fargo Clearing, and Uvest Financial Services Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Douglas Mouridy is a Financial Consultant at Fidelity Investments. He works with individuals and families to develop personalized financial plans aimed at providing peace of mind. He focuses on building ongoing relationships and serves as a primary advisor to monitor clients' financial plans over time. Douglas has held various roles at Fidelity Investments since 2013, progressing from Financial Representative to Relationship Manager, Investment Consultant, Planning Consultant, and currently Financial Consultant. Prior to joining Fidelity, he gained experience as a Wealth Management Intern at Merrill Lynch in 2011.

John Von Nessen is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 16 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments, Insight Private Advisors, Guardian Life, and VOYA Financial Advisors. He serves as treasurer for the Hillsborough Raiders Touchdown Association and is a board member at Mary Mother of God Church in Hillsborough, NJ. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of financial professionals managing a multi-billion dollar asset base.

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.

Edward Skarbnik is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior experience includes seven years at Citigroup Global Markets. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and utilizes research and analytics to support diversified investment approaches.

Zeeshan Mir serves as a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He has over 35 years of experience in wealth management, having joined Merrill in 2002. His client base includes business owners, medical and legal professionals, corporate executives, and others with growing wealth across the nation. Zeeshan specializes in assisting business owners throughout the stages of the business cycle, offering strategies related to cash management, financing, succession planning, and the implementation of defined benefit or defined contribution plans. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA) awarded by the National Association of Plan Advisors, Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials enable him to provide fiduciary advisory services to defined contribution and benefit plans. He earned a Bachelor's degree from Rutgers College. Zeeshan resides in Basking Ridge, New Jersey with his wife and two sons. Outside of his professional work, he is a member of the United States Chess Federation and participates in tournament chess. His personal interests include travel, biking, exploring, golf, and involvement with the community organization Girls on the Run.

Tara Flax is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing and Merrill. UBS Financial Services 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 utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Brian Sulewski is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Angela Romano Cosgrave is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has been with Merrill since 2010. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mahesh Chandwani is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Santander Securities LLC, LPL Financial, PNC Wealth Management, and Wells Fargo Clearing. Outside of his advisory role, he is a fractional investor in healthcare technology and personalized beauty product ventures. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. The firm’s program is non-discretionary, focusing on asset allocation advice, investment manager searches, and performance reporting, supported by a centralized due diligence process and incorporating an ESG eligibility framework.

Brandon Myers is a Financial Advisor with The De Cerbo & Associates Team at Merrill, recognized as a Forbes Best-In-State Wealth Management Team in 2026. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA), Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), and Personal Investment Advisor (PIA). Specializing in working with NIL, collegiate and professional athletes and coaches, corporate executives, and families, Brandon offers comprehensive wealth management advice. He assists clients with building and preserving wealth through personalized financial strategies, navigating major financial decisions and life transitions, coordinating tax, estate, and investment planning alongside a team of professionals, and creating roadmaps aligned to their goals while managing investment risk. Brandon earned his Bachelor of Science in Finance from Rutgers Business School and is a former Division I football player at Rutgers University. He is a lifelong resident of Somerset County, New Jersey, and is involved in community organizations including Athletes.org, Bridgewater-Raritan High School Football, Bridgewater-Raritan High School Hall of Fame, and the Somerset County Business Partnership. Outside of his professional work, he enjoys golf, collecting sports memorabilia, and spending time with family and friends.

Brian Gallacher is a CFP®-designated financial advisor with nine years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at Northwestern Mutual from 2016 to 2022. Outside of his advisory work, he is involved in life and fixed annuities insurance sales and serves as a church clerk, providing administrative and financial support. 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, utilizing firm-approved tools to analyze client goals and provide written recommendations.

Michael Carpio is a financial advisor at Charles Schwab with 15 years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc and Bank of America, N.A. from 2011 to 2023 before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. 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, combining non-discretionary advisory with access to affiliated discretionary separately managed accounts and alternative investment options.

Victor Montas is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career with New York Life in 2009 and joined Merrill Lynch in April 2015. Prior to entering financial services, Victor worked for ten years as a legal professional at Am Law 100 law firms in Washington DC and New York. In his current role, he specializes in serving growing and successful business owners, focusing on comprehensive wealth management strategies that address complex financial needs such as business growth, succession planning, and employee benefits. Victor’s approach is consultative, emphasizing thorough client engagement, periodic communication, and leveraging the investment insights of Merrill alongside the banking services of Bank of America. Victor earned both a Bachelor’s degree in History and Political Science and a Master’s degree in History from Rutgers University. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also registered through FINRA Series 7, 63, and 65, and holds licenses for Annuity, Life, and Health products. Victor is a native Spanish speaker and a member of Lambda Theta Phi Fraternity. Beyond his professional responsibilities, Victor is involved in his community through participation with St. Matthias School. He resides in Montgomery, New Jersey, with his wife and two children. Victor is an avid Rutgers football fan and enjoys baseball, basketball, football, reading, soccer, tennis, and spending time with his family.