James B Daley Jr. is a financial advisor with UBS Financial Services in Somerville, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with UBS since 1995 and has prior experience at Prudential Bache Securities dating back to 1987. Outside of advisory work, he is president of a restaurant business and serves on the board of Camp Fatima, an organization providing free camps for special needs children and young adults. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory solutions that include fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research to tailor investment plans based on clients’ goals and risk tolerance.

Syeda Muzahir is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, N.A., PNC Bank, and ShopRite/Wakefern. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ralph Rosenbaum is a financial advisor with Cetera, holding the PFS™ credential and Series 63 and Series 65 licenses, and has 28 years of industry experience. He has worked primarily with Avantax entities since 1997 and operates his own CPA practice specializing in tax preparation and accounting. Outside of advisory work, he is involved in a food truck business as an investor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, model portfolios, third-party manager selections, and various program structures across multiple custodians.

Joseph Kurzeja Jr. is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and Nathan & Lewis Securities, Inc. since 2000. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money‑manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm‑approved software to analyze client goals.

Lilia Ramos is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process 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.

Jon Iosso is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience, including roles at MML Investors Services, MassMutual Life Insurance Co., and prior employment outside the financial sector. In addition to his advisory work, he is active as an insurance broker, offering life, disability, long-term care insurance, fixed annuities, and health products. MML Investors Services, LLC 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, asset management, and educational seminars, using firm-approved tools to develop written recommendations in collaborative annual engagements.

Jesse Creem is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing Services LLC since 2017, following a year at Lincoln Financial Advisors Corporation. Outside of his advisory role, he serves as power of attorney for his father. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Timothy Desantis is a financial advisor with Wells Fargo Clearing in Princeton, NJ, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options that include insurance-related vehicles and bank deposit sweep programs.

Judy Wolk is a Financial Consultant currently with Fidelity Investments, a position she has held since 2018. She has a comprehensive background in financial services, having held roles such as Relationship Manager and Financial Representative at Fidelity Investments. Prior to joining Fidelity, she held senior positions including Director and Senior Fixed Income Portfolio Manager at Bank of America Capital Management, and Director and Fixed Income Portfolio Manager at US Trust Company. Her expertise encompasses college saving strategies, financial and investment guidance, retirement planning, income strategies, and estate planning considerations. Her career has been focused on understanding clients' situations and needs to help them work toward their financial goals. Judy holds a California Insurance License.

Margaret Ann Nugent is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Merrill, along 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 managers.

Lowell Serhus is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior experience includes roles at Cantor Fitzgerald Wealth Partners and various positions within Wells Fargo Bank and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics grounded in diversification principles and modern portfolio theory.

Remon Dawood is a financial advisor with Merrill who holds a Series 66 designation and has six years of industry experience. His prior work history includes roles at Bank of America, American Lending Inc., Lyft, Uber, and various positions within California state agencies. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Auterson is a financial advisor with Thrivent Investment Management in Princeton, NJ, holding a Series 66 designation and eight years of industry experience. He has worked with Thrivent Financial and Thrivent Investment Management since 2014, with a brief period of unemployment from 2019 to 2020. Outside of his advisory role, he owns a vacation home in Florida that he rents seasonally. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers retirement, tax, estate, business continuation, divorce, and special needs topics, with clients able to combine planning with managed-account programs under a consolidated billing option while keeping services separate.

David Haney is a financial advisor at Merrill with 13 years at the firm and a total of 3 years of industry experience. He holds a Series 66 designation. Prior to his current role, he worked at Bank of America N.A. since 2023. 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.

Scott Stephen is a financial advisor with Wells Fargo Advisors, holding Series 63 and 65 licenses and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. He is also a co-owner of STEPHEN GP, LLC, a merchant partnership based in Iselin, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Scott Tolochko is an Investment Consultant at Fidelity Investments since 2025. In this role, he focuses on financial planning, working closely with clients to develop personalized strategies that address their unique financial situations and goals. Scott's professional experience includes positions as a Financial Representative at Fidelity Investments from 2024 to 2025, a Wealth Advisor at Money at Work, LLC from 2023 to 2024, and a Financial Advisor Intern at Campania Wealth Management in 2022. His background reflects a progression of roles in financial advisory and investment consulting. Outside of his professional work, Scott has interests in fitness, golf, and soccer.

Shawn Gold is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in financial services, including six years in private banking. He specializes in addressing the sophisticated and often complex wealth management needs of client families, with a focus on corporate benefits, executive services, employee benefits planning, equity compensation, family wealth management strategies, legacy planning, LGBT wealth planning, new wealth management, personal retirement planning, and individual and corporate investment strategies. Shawn has worked extensively with a diverse clientele that includes private business owners, entrepreneurs, corporate executives, physicians, retired couples, widows, and divorced women, primarily in Metro New York and on both coasts. His comprehensive approach emphasizes managing intergenerational wealth and assisting clients through significant life transitions such as retirement, divorce, and loss of a spouse. Shawn holds a Bachelor’s Degree from Franklin Pierce University and maintains professional designations as a Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Outside of his professional work, Shawn enjoys football, gardening, golfing, soccer, and spending time with his family. He values cultivating long-term relationships with clients, often offering personal support beyond regular business hours, and leverages the research and resources of Merrill and Bank of America to provide tailored investment and estate planning strategies.

Matthew Cerbone is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and previously worked at The Bank of New York Mellon from 2011 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and models to tailor strategies to clients’ goals and risk tolerances.

Henry Youssef is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked with Equitable Advisors since 2012 and previously with Axa Advisors, LLC. Outside of his advisory role, he is a partner and vice president in several non-industry related business ventures, including real estate investment and a laundromat. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory programs, and provides ERISA fiduciary services to qualified plans.

James King Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Commonwealth Financial Network for 10 years. He is the director of wealth management at King Financial Network, a marketing DBA through which he provides investment management and financial planning services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and retirement services and supports both discretionary and non-discretionary account structures.