Joseph Murdaco is a Series 66-licensed financial advisor with Merrill, based in Paramus, NJ, and has five years of industry experience. He has worked at Bank of America, Merrill, TD Bank, and American Tire and Auto Care. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joanna Kim is a financial advisor at Ameriprise with 15 years of industry experience. She holds a Series 66 designation and has worked at firms including United Nations Federal Credit Union, B Riley Capital Management, and FBR Capital Markets. Outside of her advisory role, she provides personal care assistance to her elderly mother. Ameriprise serves clients primarily through its retirement-income planning service tailored for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver personalized retirement income recommendations.

Gregory Goodman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 21 years of experience in the financial services industry, focusing on delivering comprehensive wealth management strategies tailored to individual client needs. Gregory provides access to investment insights and banking services to address various aspects of clients' financial lives, emphasizing personalized plans centered around clients' values and goals. Gregory holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute™ and a graduate of Carnegie Mellon University. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and retirement income. Beyond his professional work, Gregory is involved in coaching recreational youth sports. His personal interests include baseball, football, golfing, music, reading, skiing, spending time with family, and traveling. He resides in Franklin Lakes, NJ with his wife and children.

Mirella Arias Soto is a financial advisor at Equitable Advisors with five years of industry experience. She holds a Series 66 designation and has worked previously at MML Investors Services, MassMutual, William Paterson University, and Sax LLP. Outside of her advisory role, she serves as Vice President of Membership for Prospanica NJ. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a model that heavily involves LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

William Cooney is a Vice President and Financial Consultant currently working at Fidelity Investments since 2013. He has over 30 years of experience in the financial services industry, with a career that includes roles at Merrill Lynch, Morgan Stanley, and Dreyfus Service Corporation. Throughout his career, he has navigated significant market events such as the dot-com bubble, the post-9/11 bear market, the 2008 financial crisis, and the COVID-19 recession. His extensive experience has provided him with insights into market cycles and client needs, enabling him to educate clients on maintaining their financial plans during periods of volatility. Prior to his current role, he served as Vice President and Financial Consultant at Merrill Lynch and Morgan Stanley, and as a Financial Adviser at Merrill Lynch and Dreyfus Service Corporation.

Melissa Cannizzaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with Cambridge Investment Research Advisors since 2007. Outside of her advisory work, she is a Certified Divorce Financial Analyst and co-owner of a landscaping business. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a large network of independent professionals using a variety of portfolio management strategies and platform arrangements.

Lawrence Deluise is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Bank of America and Merrill. Outside of his advisory role, he is involved in several nonprofit organizations, serving on boards and committees that support local sports programs and educational institutions. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes fiduciary financial planning and capital markets activities.

Mark Denny is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Joseph Kennelly is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, with prior tenure at Morgan Stanley Smith Barney beginning in 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning services utilize structured discovery conversations and proprietary tools, supporting clients through comprehensive investment and estate planning.

Steven Sedlak is a Series 66-licensed financial advisor with 27 years of industry experience. He has worked at Merrill since 2022 and previously held roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank, N.A. in various capacities over the past two decades. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations. The firm’s integration within Bank of America allows access to a broader platform of products and services beyond typical managed accounts.

Alexander Recchia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2013, he has worked directly with individuals and businesses to help them achieve their financial goals. His client base includes owners of private businesses, corporate executives, physicians, CPAs, attorneys, retired couples, widows, and multiple generations of families across the nation. His areas of expertise encompass education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategies, and retirement income. Alexander emphasizes the importance of strategies beyond savings and investments, including estate planning and family wealth transfer, to help clients efficiently move toward their defined objectives and navigate pivotal life transitions such as retirement or selling a business. Alexander holds a Bachelor's Degree from Salve Regina University and the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Habitat for Humanity, Healing the Children, and Knights of Columbus. Outside of work, he enjoys cooking, fishing, golfing, hiking, photography, and spending time with his family.

Stephen Paino IV is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 designation and has worked at several firms including JPMorgan Chase Bank and The Prudential Insurance Company of America. Prior to his financial services career, he was involved with Pompilios Pizzeria. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios and both non-discretionary and discretionary management options delivered at scale through a highly integrated platform.

Brendon Reese is a financial advisor at UBS Financial Services with 25 years of industry experience. He previously worked at Bank of America and Merrill before joining UBS in 2022. He holds Series 63 and Series 65 licenses. Outside of his advisory work, Reese serves as president and board member of the Cedar Grove Junior Baseball Softball League. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Eddie Reyes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan, he held roles at Morgan Stanley, Price Waterhouse Coopers, and Brown & Brown Insurance. Reyes is also the owner of Reyes Property Management LLC, a property management and leasing business unrelated to his advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Eric Levens is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. He maintains business activities related to non-variable and property and casualty insurance with Prudential. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services, financial planning, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with insurance sales and lending services, utilizing research and model portfolios primarily delivered by its investment adviser representatives.

Suzanne Nicholson is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations with 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary investment models as part of its advisory approach.

Wayne Lettieri is a financial advisor with LPL Enterprise holding the ChFC® and Series 65 credentials and has 42 years of industry experience. He has worked extensively with Prudential Insurance Company of America since 1983, including through its affiliated broker-dealer, Pruco Securities, LLC. Outside of advising, he is involved in the sale and service of automobile, health, dental, and property and casualty insurance. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutions, offering financial planning, advisory, and brokerage services. The firm’s platform integrates adviser programs with active sales of financial products such as insurance and provides access to model portfolios and third-party asset management solutions.

Thomas Leder is a CFA® charterholder with 29 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, N.A., where he has worked since 2020. His prior experience includes roles at Mass Mutual Investors Services and National Life Group. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering recommendations on a non-discretionary basis.

Daniel Garden is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the CFP® designation and Series 66 license, and previously worked at UBS Financial Services from 2013 to 2025. Outside of his advisory role, he is responsible for overseeing tax compliance for an irrevocable life insurance trust. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides planning services focused on tailored financial solutions without individual security recommendations.

Mitchell Eisenberg is a Series 63-credentialed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2005. He has 41 years of industry experience. Outside of his advisory role, he works as a tax preparer and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension and profit-sharing plans, charities, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management solutions and both proprietary and third-party investment strategies.