Neda Sabbagh is a Financial Advisor with Merrill Lynch Wealth Management. In her role as a Merrill Financial Solutions Advisor, she works closely with clients to understand their priorities and develop strategies tailored to their short-, mid-, and long-term financial goals. Her services encompass a range of financial planning areas including general investing, retirement planning, and saving for unexpected events. Additionally, she facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Neda emphasizes building strong relationships based on trust and communication to provide ongoing advice and guidance as clients' needs evolve. She holds the Personal Investment Advisor (PIA) designation and has an educational background that includes a Bachelor's Degree from Northeastern University and a Master's of Business Administration (MBA) from the University of Massachusetts Boston. Outside of her professional activities, Neda enjoys various personal interests such as badminton, biking, interior decorating, music, reading, soccer, spending time with her family, swimming, traveling, and watching movies.

Andrew Tomasko is a financial advisor with Primerica Advisors in West Windsor, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1990 and 1991, respectively. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model focused on percentage-based wrap fees and independent due diligence.

Ashley Frazier is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Citizens Securities, Inc. and JPMorgan Chase Bank, N.A. among other roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process includes written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Kevin Losch is a Financial Consultant who focuses on creating and implementing holistic financial plans tailored to clients' short and long term goals. He aims to help clients work toward enjoying life on their own terms. Kevin's professional experience includes serving as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2014 to 2022. Prior to that, he worked as a Financial Advisor at Morgan Stanley from 2012 to 2014, and as a Client Associate at Merrill Lynch from 2006 to 2012.

Leah Zikoski is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley and UBS Financial Services. 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 with tailored portfolio strategies and access to in-house and third-party investment managers.

Kevin Primich is a Planning Consultant at Fidelity Investments, where he collaborates with clients to identify their financial goals and develop tailored investment strategies. He focuses on understanding each client's unique needs to create and implement personalized financial plans. Kevin has worked in the financial services industry since 2020, beginning as a Financial Service Representative at Merrill Lynch. He progressed to the role of Investment Specialist at Merrill Lynch before joining Fidelity Investments as an Investment Consultant in 2023. In 2025, he advanced to his current position as Planning Consultant. Outside of his professional work, Kevin's personal interests include socializing with friends, golf, pets, running, snowboarding, and soccer.

Michael Spina is a Series 66-licensed financial advisor with Merrill in Princeton, NJ, with three years of industry experience. Prior to joining Merrill and Bank of America, he held various roles including multiple positions at Seton Hall University and community involvement such as coaching Kiddie Soccer. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Debra Getz is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Prudential Investment Management Services and Empower. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Santoso Lessiohadi is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having six years of industry experience. He has worked with Primerica Financial Services since 2006 and was employed at Yusen Logistics Americas Inc. for 13 years. Lessiohadi is also involved in consulting for an international logistics firm and engages in part-time sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services primarily through model-based strategies managed by unaffiliated asset managers and supports trade execution and custody via BNY Mellon Advisors and Pershing.

Catherina Migliaccio is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. for a decade before joining Raymond James in 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Arthur Martin is a financial advisor with RBC Capital Markets in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 52 years of industry experience. He has previously worked at Morgan Stanley in various private banking and Smith Barney roles from 2010 to 2020. Outside of his advisory practice, he is an active general partner in a family investment partnership. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s capital markets capabilities and integrated financial services.

Yisroel Krohn is a CFP® professional with 15 years of industry experience, currently affiliated with LPL Financial since 2018. He also has a longstanding role with Mayco Financial Services and previously worked at Cadaret, Grant & Co., Inc. Krohn holds the Series 66 designation. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Justin Hughes is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work experience includes roles at Bank of America, Cetera, and McMaster-Carr Industrial Supplies, where he worked for thirteen years. 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 individual, high-net-worth, and institutional clients.

Randy Jarzyna serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2006. In this role, he focuses on providing clients with comprehensive financial planning services. Throughout his career, Randy has dedicated himself to assisting clients in various aspects of financial planning, including basic investing, income protection, retirement planning, and estate planning. He emphasizes engaging clients in discussions about their goals, objectives, and concerns to tailor his approach effectively.

Melvin Goldstein is a ChFC® and Series 63 credentialed financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and currently practices at LPL Financial in Marlboro, NJ. He also operates Advanced Capitol Strategies, Inc. and is involved in a non-variable insurance business focusing on life, health, disability, and group employee benefits. 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 broad range of financial planning and investment management services through a large network of advisers, utilizing model portfolios, third-party subadvisors, and technology tools to support client strategies.

Stephanie Williams is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2014. 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, and organizations.

John Mcgovern Jr. is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 designations and has 33 years of industry experience. His prior work includes over three decades at Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA in addition to his advisory role. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment strategies developed by internal and third-party portfolio strategists and offers financial planning, consulting, and access to various asset managers and insurance products.

Jacqueline Zapicchi Cloughsey is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has previously worked with Ameriprise Financial Services and Signator Investors. She is also an insurance agent selling fixed insurance products and is involved with DFG Financial Group, LLC, a financial services firm. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Jeffrey Burns is a financial advisor at Ameriprise with 34 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. Lin holds the Series 63 and Series 65 designations and previously worked at Pruco Securities, LLC for six years. Outside of the advisory business, Lin has been involved with Delfy Music Inc. since 2010. LPL Enterprise provides investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and other related services.