Michael Bebawi is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he develops personalized financial strategies designed to help clients pursue their long-term financial goals. He leverages investment insights from Merrill along with banking and lending solutions from Bank of America to create flexible wealth management plans tailored to changing market conditions. Michael holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Rutgers University after completing his high school education at South Brunswick High School. In addition to his professional work, Michael participates actively in community service and volunteers with local organizations, reflecting the Merrill tradition of community engagement.

Karla Miller is a financial advisor with Merrill based in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at Merrill since 1996 and has been with Bank of America since 2011. Outside of her advisory role, she serves as a co-trustee for the L.D.M. Family Trust and is the owner of LDMAM LLC, a company that holds land and provides liability protection. 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 provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Paul Rutsky is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Christopher Certo is a Financial Advisor at Merrill Lynch Wealth Management. He works with professionals and business owners to simplify their financial picture and build strategies aligned with their long-term goals. His approach is straightforward and collaborative, focusing on helping clients understand their options clearly and make informed decisions with confidence. Certo's expertise includes structuring investments more efficiently, improving tax positioning over time, and navigating financial decisions as clients' careers and income evolve. He concentrates on client focus areas such as college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. He holds a Bachelor's Degree from Rutgers University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of work, Christopher enjoys music, soccer, swimming, volleyball, and spending time with his family.

Matthew Javois is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and with 17 years of industry experience. He has worked at PFS Investments Inc. since 2008 and with Primerica Financial Services since 2005. Outside of his advisory role, he is a partner in Javois Enterprises LLC, an entity created to manage office lease arrangements for Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a tiered wrap fee structure and maintaining discretion over model offerings.

Davis Walker is a financial advisor at Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation with three years of industry experience. His prior roles include positions at UBS Financial Services, Merrill, Northwestern Mutual, and his own firm, Davis Walker Financial Services, LLC. He also served in the United States Army from 2014 to 2016. Morgan Stanley Wealth Management serves individual and institutional clients with a 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 offers services both directly and through corporate financial planning agreements.

Brian Sweatt is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His career includes previous roles at Raymond James Financial Services and the firm SWEATT & WALTERS ASSOC LLC, which he has been involved with since 1985. 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 offers comprehensive advisory and brokerage services through a large network of investment adviser representatives, utilizing various portfolio strategies and advanced operational tools.

Jeffrey Mattonelli is a CFP® professional with seven years of experience currently affiliated with LPL Financial. He previously worked at Lincoln Financial Advisors and The College of New Jersey. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Emil Baczyk is a CFP® with 22 years of industry experience, currently serving at RBC Capital Markets in Princeton, NJ. His prior roles include positions at PNC Investments and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that combine discretionary and non-discretionary portfolio management with financial planning, utilizing both in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

Thomas Sullivan III is a financial advisor at LPL Financial with 14 years of industry experience. He holds a Series 66 designation and has previously worked at firms including B. Riley Wealth Management, National Asset Management, Bank of America, Merrill, and PNC Wealth Management. 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 offers a range of services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors and extensive non-advisory financial activities.

Matthew Taylor is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 29 years of industry experience. He previously worked at Buckman Advisory Group and Buckman Buckman and Reid before joining LPL Financial in 2021. Taylor also provides investment advisory services through Private Portfolio Partners, an independent registered investment advisor firm. 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 range of financial planning and portfolio management services implemented through a large network of advisors using various model portfolios, third-party subadvisors, and customized strategies.

Bobby Belvin Jr. is a financial advisor with Primerica Advisors in Edison, NJ, holding Series 63 and Series 65 licenses and three years of industry experience. He has been with Primerica Advisors since 2022 and Primerica Financial Services since 2018. Outside of his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and maintains an operational model based on tiered wrap fees and ongoing oversight of its investment offerings.

Eugene Bozzo Jr. is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cetera and Foresters Advisory Services. Outside of his advisory role, he is also a commissioned notary. 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 range of advisory services including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and a broad network of over 22,800 advisors.

Charles Giordano is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 23 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for six years before joining LPL Financial in 2019. Giordano also operates Giordano Wealth Management, LLC, an affiliated entity related to his advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of advisory and brokerage services supported by both proprietary research and third-party subadvisors.

Michael Mccarthy is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo. It provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning.

Veranika Khamianok is a Financial Services Advisor (FSA) with Merrill Lynch Wealth Management. She specializes in developing personalized financial plans that align with clients' unique goals, including education funding, retirement planning, and long-term family objectives. Veranika emphasizes a client-centered approach that prioritizes individual perspectives and priorities, aiming to simplify the complexities of investing and wealth management. Veranika holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. She earned a Bachelor's degree from Yerevan State Institute of Economics and a Master's degree from Brandeis University.

Jeffrey Sussman is a Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2015. In his current role, he works directly with clients and their families to develop and implement individualized financial plans. Jeffrey leverages the resources available at Fidelity to assist clients in planning for complex financial goals, especially in challenging market conditions. Before his current position, Jeffrey held roles as a Financial Consultant and Investment Consultant at Fidelity. He also has experience at BlackRock, where he worked as a Sales Associate and Sales Support Representative from 2011 to 2013.

Nicholas Shenkler is a financial advisor with LPL Financial in Princeton, NJ, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial, he worked at UBS Financial Services Inc. and has experience in various roles outside of finance. 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 offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive operational and research tools.

Francy Ruiz is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2006. 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 a range of clients including individuals, high-net-worth investors, and institutional accounts.

Jake Surma is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 12 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent three years with MetLife Securities Inc. Additionally, Surma is involved in the sale of individual and group life, health, disability, dental, long-term care, and Medicare-related insurance products. 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 offers financial planning, asset management, money-manager programs, and educational seminars.