Scott Staropoli is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2009, also maintaining a role with Bank of America, N.A. since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, offers 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 with model-based and discretionary investment strategies.

John Makhoul is a Financial Consultant currently working at Fidelity Investments since 2020. He has previously served as a Financial Advisor at Merrill Lynch from 2016 to 2020. His earlier roles include Credit Broker positions at Chapdelaine from 2015 to 2016 and Whitaker Securities from 2004 to 2015. John holds the CFP® (Certified Financial Planner) and CPWA® (Certified Private Wealth Advisor) certifications. He also possesses a California Insurance License. His professional approach emphasizes commitment, integrity, and a client-first mindset, focusing on helping clients define their financial goals and develop clear, actionable plans they understand and feel empowered to execute.

Douglas Bilenski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients’ long-term goals. His client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Douglas holds a Bachelor’s Degree from Montclair State University. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on a strong personal philosophy rooted in hard work and character, he is committed to guiding clients through all market cycles and phases of their financial life. Outside of his professional work, Douglas volunteers with organizations in his community. He enjoys golfing, ice hockey, and traveling, particularly exploring national parks out west. He is a husband and father with a strong connection to family values and responsibility.

Gregory Krikorian is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with UBS since 2014. Outside of his advisory work, he serves as executor for his mother's estate, managing the estate and brokerage assets. UBS Financial Services 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 provides a broad range of capital markets and research-driven solutions.

Samantha Price is a Senior Financial Advisor with over 15 years of experience at Merrill Lynch Wealth Management. She leads The Price Group, providing financial advisory services focused on developing and implementing both short- and long-term financial strategies for affluent clients and business owners. Her approach promotes "financial wellness" through a combination of professional investment management, home financing, insurance, and other services aimed at helping clients make sound financial decisions to achieve their goals. Samantha holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Domestic Partnership Advisor (ADPA) designations from The College for Financial Planning Institutes Corp. She earned a Bachelor's degree from Loyola University Chicago and graduated from Waldwick High School. Samantha is fluent in English, Spanish, and Italian. Residing in Bergen County, New Jersey, Samantha is involved in various community organizations including the Waldwick Lions Club, Habitat for Humanity Bergen County Women Build Committee, Merrill Lynch Women's Exchange, and the Waldwick Chamber of Commerce. She also supports causes such as the American Cancer Society and the American Heart Association. Samantha enjoys spending time with her daughter, fishing, dancing, gardening, and participating in sports such as baseball, soccer, and softball.

John Nelson Henry is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory solutions grounded in an IPS-driven approach and modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options in its investment menus, distinguishing it among large institutional advisers.

Scott Schlett is a CFP® with 35 years of experience in financial advisory services. He has been with Morgan Stanley since 2009, working within Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Nadi Beciri is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank, SSB in 2021, Beciri worked at Bank of America, Merrill, and David Lerner Associates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options with centralized custody and a distinctive operational model that integrates advisory and brokerage services.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. 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 ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.

John Barbary is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 36 years of industry experience. He previously worked at Pruco Securities, LLC for 34 years before joining LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment implementation is primarily model-driven, with services that include financial planning, access to third-party asset managers, and participation in a wrap program.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Todd Kingsbury is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. He serves on the boards of the D C K Endowment Fund Inc. and HomeWorks Trenton, Inc., an organization focused on education and housing for women in marginalized communities. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Richard Cutler is a CFP®-designated financial advisor with LPL Financial, based in Ramsey, NJ, and has 40 years of industry experience. He founded Cutler Financial Services, LLC in 2003 and previously worked at Nathan & Lewis Securities, Inc. from 1994 to 2003. In addition to financial advising, Cutler is an independent insurance agent offering a range of property, casualty, health, and disability insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management solutions and supports advisors with proprietary research and technology tools.

Jack Habif is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He also serves as a power of attorney for Sheron Habif in a non-investment capacity. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, Series 65, and Series 66 credentials and bringing 25 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions. The firm utilizes internal Chief Investment Office teams and third-party managers to implement tailored portfolio solutions.

Rosa Mazzone is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds the CFP® and Series 63 designations. Her work history includes roles at City National Bank and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Joseph Rosario Sr. is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anita Srivastava is a CFP® with 12 years of industry experience, currently serving at Morgan Stanley. Her background includes roles at Bank of America and Merrill prior to rejoining Morgan Stanley in 2023. She is a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Thomas Teschic Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to tailor retirement income plans, primarily for clients with significant assets under management at Ameriprise.