Zachary Swol is a financial advisor at Merrill with a Series 66 credential and six years of industry experience. He has been with Merrill since 2011, totaling 15 years at the firm. 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 developed by internal and third-party managers.

Justin Lotano is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in authoring financial books. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by proprietary and third-party research.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

Javier Tovar is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 65 and Series 63 credentials and previously worked at Hennion & Walsh Inc, 360 One FIrm, and JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Brian Kovener is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with Osaic Wealth, Inc., having joined in 2024, following prior roles at Securities America and Investacorp. Outside of his advisory work, Kovener serves as Publishing Director for VUE NJ, a bi-monthly print magazine. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs various asset-allocation tools and third-party platforms to create portfolios encompassing stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Anthony Xerri is a financial advisor at Wells Fargo Advisors with one year of industry experience. He has been self-employed as a musician and content creator since 2011, writing, recording, and performing music alongside his advisory role. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services with tailored recommendations supported by Wells Fargo research and planning tools.

Theodore Smallwood is a Financial Advisor at Merrill Lynch Wealth Management with eight years of experience in the financial industry. He specializes in college education planning, education planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, and retirement income. He holds a Bachelor's Degree from Pennsylvania State University and is a certified Personal Investment Advisor (PIA). Theodore focuses on understanding what matters most to each client, helping individuals, families, and business owners develop strategies to build, preserve, and transfer wealth. He emphasizes building long-term relationships and serving as a trusted resource for his clients. Residing locally with his wife and dog, Theodore enjoys outdoor activities such as running, swimming, hiking, and playing golf. He is also an avid sports fan, with personal interests including baseball, boating, chess, football, ice hockey, music, and spending time with family.

Nicholas Glensor is a financial advisor with Merrill in Hazlet, NJ, holding Series 66 and Series 63 licenses and seven years of industry experience. He has been with Merrill since 2018 and previously worked at Rowan University from 2014 to 2018. 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.

Chunhua Xin is a financial advisor with Primerica Advisors in West Windsor, NJ, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Primerica, Xin has worked with firms including Merrill Lynch, Pierce, Fenner & Smith, Bank of America, and various financial and real estate companies. Xin is also involved with Faithful Financial, LLC. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-delivery investment strategies managed by unaffiliated asset managers and supports its services with custody and execution partnerships.

Thomas Vastardis is a financial advisor with Cetera who holds a Series 63 designation and has 27 years of industry experience. He previously worked at Avantax Investment Services, Inc. for 27 years and has operated Thomas Vastardis & Associates, providing tax preparation and accounting services, for over 30 years. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, charitable and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting a large network of advisors and managing over $256 billion in assets.

Ryan Noonan is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2001. In his current role, he partners with high net worth clients and their families to address key financial topics including retirement planning, investment strategy, principal and income protection, equity compensation planning, and estate planning considerations. With over two decades of experience at Fidelity Investments, Ryan has held various positions including Investment Consultant and roles in client service and trading. He holds a California Insurance License, supporting his work in comprehensive financial consulting. Outside of his professional responsibilities, Ryan engages in family activities and enjoys fitness, outdoor adventures, parenthood, running, and traveling.

Farah Kazmi serves as a Wealth Management Advisor, providing financial guidance and strategies tailored to meet her clients’ distinct financial situations and goals. She works within Merrill Lynch Wealth Management, leveraging the firm’s broad investment insights and banking resources to support entrepreneurs, business owners, and individual clients in achieving their objectives. While specific details on Farah’s professional background, education, and credentials are not provided, her role focuses on delivering customized financial advice by understanding clients’ preferences, time horizons, liquidity needs, and risk tolerance. She follows a consultative approach, regularly engaging with clients to keep financial strategies current and aligned with their evolving goals. No information regarding Farah Kazmi’s personal interests or community involvement is available.

Robert Dudek is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in a range of financial services including college education planning, equity compensation services, family wealth management strategies, and retirement income planning. Robert applies his professional experience to individual and corporate investment strategy, portfolio management, and liquidity management. With over 20 years of experience, Robert has a background in financial, management, operational, sales, marketing, training, and e-business knowledge. His approach focuses on Total Asset Management, assessing clients' current financial situations and developing strategic plans to help them reach their future goals. He holds a Personal Investment Advisor (PIA) designation and a Bachelor's degree from Fairleigh Dickinson University. Additionally, he completed a Certificate of Professional Development focused in Strategy from the University of Pennsylvania. Outside of his professional role, Robert is involved in the Montgomery Youth Sports Leagues and enjoys various personal interests including baseball, basketball, cooking, football, golfing, swimming, traveling, and spending time with his family.

Joseph Debonis Sr. is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 32 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, as well as managing J&J Marine Electronics for 29 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and public entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management approaches.

Joshua Simpson is a financial advisor with Morgan Stanley in Holmdel, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, he served in the U.S. Army for 20 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Mario Livecchi is a financial advisor at OSAIC with 19 years of industry experience. He holds the Series 66 designation and has worked at OSAIC since 2024, with prior positions at Securities America Advisors, Inc. and Investacorp Advisory Services. In addition to his advisory role, he serves as a financial executive in Princeton Investment Services, an investment-related business. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through an extensive network of financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct diverse portfolios tailored to client needs.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Jigna Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at Valley National Bank from 2007 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Michele Gilligo is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 1999. She specializes in helping individuals, families, and businesses develop financial strategies tailored to their short- and long-term objectives. Michele's areas of focus include college education planning, retirement income and personal retirement planning, liquidity management, portfolio management services, small business strategies, socially responsible and ESG investing, as well as services for endowments, foundations, and non-profits. Michele holds FINRA Series 7 and 66 securities registrations and the Professional Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in Business Management from the Richard Stockton College of New Jersey. Michele works with a team of advisors and specialists to provide personalized service and customized financial solutions. She is fluent in English and French. Outside of her professional role, Michele lives in Chesterfield, New Jersey, and enjoys activities such as baseball, billiards, boating, fishing, gardening, hiking, music, and spending time with her family.

Konstantinos Rigas is a financial advisor at Charles Schwab with 31 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1995. Outside of his advisory role, he is involved with Elite Laundry Systems, LLC, a business he has been associated with since 2010. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides integrated brokerage, custody, and cash management services.