Theresa Payne is a financial advisor with Merrill in East Brunswick, NJ, holding Series 63 and Series 65 licenses. She has 28 years of industry experience and has been with Merrill since 1994. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Graney is a financial professional with 11 years of industry experience. He holds Series 65 and Series 63 designations and is currently with LPL Enterprise. Prior to this, he worked for The Prudential Insurance Company of America and PRUCO Securities, LLC. He is also involved with Garden State Financial Agency in insurance and investment sales. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and other entities, using model-driven portfolios and offering access to third-party managers alongside affiliated insurance and trust services.

Brendan Shadle is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, Merrill Lynch, and has experience outside finance with companies including DoorDash. Charles Schwab serves primarily 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside due diligence on alternative investments.

Theresa Walker is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been providing financial guidance since 1982. She specializes in developing wealth management strategies tailored to individual client needs. Theresa works closely with clients to identify their primary financial goals, such as education funding, retirement planning, and trust services, and crafts strategies aimed at building, managing, and preserving wealth for current and future generations. Leveraging the investment resources of Merrill Lynch and the banking capabilities of Bank of America, Theresa is able to address various aspects of her clients’ financial lives. She also collaborates with a Wealth Management Lending Officer from Bank of America, N.A., who provides personalized home financing advice designed to complement overall financial strategies. Theresa holds the Personal Investment Advisor (PIA) designation and earned her high school diploma from Saint Maria Gorretti High School in Philadelphia, Pennsylvania.

Robert Cosentino is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. His career includes long-term roles at First Allied Securities and First Allied Advisory Services before joining Cetera. He also serves as a trustee for COSENTINO IRRV. LIFE INS. TRUST. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

John Brzozowski is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Merrill and Bank of America since 2013, with prior experience at Capital One Financial Advisors LLC and MSI Financial Services, Inc. since 2011. 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 plans, corporations, and charitable organizations.

David Briggs is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies that align with clients’ short-, mid-, and long-term goals. David works closely with clients to address areas such as retirement income, college education planning, family wealth management, legacy planning, tax minimization, philanthropic planning, and managing new wealth. He also supports women and wealth and leverages resources from Bank of America specialists for banking, credit, home financing, and small business solutions. David holds a Bachelor's Degree from Rutgers College and has earned the Personal Investment Advisor (PIA) designation. He communicates fluently in English and Spanish, allowing him to serve a diverse clientele. David is also actively involved in his community as a member of the Isles Board of Trustees. Outside of his professional work, David enjoys biking, fishing, hiking, music, painting, pickleball, skiing, surfing, yoga, and spending time with his family.

Jeffrey Unger is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His career includes positions at Merrill, Bank of America, Santander Securities, and Citizens Securities. Unger is based in Staten Island, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisers. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

John Dyer is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 designations and has 24 years of industry experience. He has been associated with Wells Fargo Clearing and Wells Fargo Advisors Financial Network since 2011. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning in areas such as business-owner transitions and special-needs analysis.

Alipio Figueroa is a Branch Leader at Fidelity, a position he has held since 2023. He leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations, emphasizing education and clear communication to simplify complex financial topics. His approach aims to build strong relationships grounded in confidence and trust, ultimately providing clients with peace of mind and fulfillment. His professional experience spans multiple roles in the financial services industry, including Financial Consultant at Fidelity Investments from 2022 to 2023, Private Client Advisor at J.P. Morgan Chase from 2021 to 2022, Branch Manager at TD Ameritrade from 2014 to 2021, Investment Consultant at TD Ameritrade from 2009 to 2014, and Financial Advisor at Smith Barney from 2004 to 2009. Outside of his professional career, Alipio enjoys baseball, biking, fitness, golf, and snowboarding.

Gautam Misra is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and with 33 years of industry experience. He has worked at LPL Financial since 2017 and previously spent over two decades at Beacon Financial Group and National Planning Corporation. Outside of his advisory role, he is involved with a home-based business entity, Misra Enterprise Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment options, including model portfolios and third-party asset management, supported by advanced research and operational tools.

Aarushi Pathak is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her previous roles include positions at JP Morgan Chase Bank, Prudential Insurance Company of America, and Pruco Securities LLC. She has been with Merrill and Bank of America since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutions. The firm provides model-based and discretionary investment strategies constructed by internal and third-party teams, supported by comprehensive trade execution and account administration.

Anthony Karabas is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and bringing 37 years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2016. In addition to his advisory role, Karabas is licensed as an agent selling life, health, property and casualty, disability, Medicare-related products, fixed annuities, long-term care insurance, and group life insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a structured, collaborative planning approach using analytical tools, offering various programs including investment management and educational seminars.

Michael Russo is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Wells Fargo Advisors since 2016 and previously held positions at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory role, he manages the Mike Anthony Group, an investment-related business based in Staten Island. Wells Fargo Advisors Financial Network 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, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Gina Rogers is a financial advisor at Fidelity with 19 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Thrivent Financial, Morgan Stanley, Wells Fargo Clearing, UBS Financial Services, and Merrill. She is based in Princeton, NJ. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with an investment approach that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is also noted for its use of systematic methodologies, AI tools in research, and its advisory role to multiple registered investment companies.

Vidhi Sonani is a financial advisor at Mass Mutual Investors Services with four years of industry experience. She holds the Series 66 designation and has worked at UBS and Kearfott Corporation. In addition to her advisory role, she is a licensed realtor with United Real Estate North Jersey, assisting clients with buying and selling homes. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented financial planning using firm-approved tools and offers event-driven planning programs including divorce and estate settlement services.

Victoria Cann Kyne is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and possessing 10 years of industry experience. She previously worked at Wells Fargo for 16 years before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a forward-looking investment approach.

Rochelle Forster is a financial advisor with Equitable Advisors in Edison, NJ, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with Equitable Advisors since 2009 and previously worked at AXA Advisors, LLC. Outside of her advisory role, she is a member of Dergalis Associates, LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs, including third-party asset managers and firm-offered solutions, focusing on matching clients with appropriate investment models based on personal and plan information.

Kathleen Sheehan is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients by providing a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, supported by proprietary research and institutional trading capabilities.

Anthony Curcio is a financial advisor with Wells Fargo Advisors in Warren, NJ, holding a Series 63 designation and 32 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also serves as a trustee for APC Capital Corp's 401(k) plan. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that cover retirement, education, risk management, and specialized areas such as business-owner transition and special-needs planning. Advisors develop tailored recommendations using firm research and planning tools, with implementation options available through brokerage or advisory programs.