Ralph Margel is a CFP® with 39 years of experience in the financial industry. He has been with Commonwealth Financial Network since 2004 and was previously with Margel Wealth Management from 1991 to 2026. He currently is affiliated with Omnica Wealth since 2026. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad platform including managed-account programs, third-party asset managers, retirement consulting, and custody services.

Michael Yannell is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2019, previously spending five years at Gapstow Capital Partners. Yannell serves on the advisory committee for the Marathon Dislocation Fund, L.P. Citigroup Global Markets serves individual and institutional clients, including workplace, high-net-worth, and ultra-high-net-worth segments. The firm offers a range of investment advisory programs and broker-dealer services, implementing multi-asset, multi-manager strategies with institutional-scale resources and specialized market roles.

John Kakolewski is a CFA® charterholder with 19 years of industry experience. He is currently with RBC Rochdale, LLC and has worked with Rochdale Investment Management LLC and Rim Securities LLC since 2006. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that integrates quantitative screening, statistical modeling, and fundamental analysis, utilizing proprietary tools such as the Galaxy asset-allocation model and Monte Carlo simulations to tailor portfolios to clients' investment policies.

Paul Orazio is a CFP® with 42 years of experience in financial advisory services. He is currently affiliated with Commonwealth Financial Network, where he has worked since 2017. Prior to that, he spent 13 years at National Planning Corporation and has been operating Orazio Financial since 1991. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, technology, and operational support, allowing advisors discretion to construct portfolios from diverse securities and insurance products while also offering managed model portfolios through its Investment Management and Research team.

James Foti is a CFP® professional with 37 years of industry experience, currently serving with Primerica Advisors and Park Avenue Securities. His prior roles include positions at Guardian Life Insurance Company from 2015 to 2018 and ongoing affiliations with Guardian Life and Park Avenue Securities since 2018. In addition to his advisory work, he occasionally implements insurance products outside of Guardian to meet client needs. Park Avenue Securities serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs alongside financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a variety of investment strategies and account services.

Timothy Murphy is a financial advisor at TD Private Client Wealth LLC with 13 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Citigroup, Charles Schwab, LPL Financial, and MBO Partners. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm utilizes a range of strategic and tactical portfolio approaches combining affiliated and third-party sub-managers.

Traci Tabback is a financial advisor with UBS Financial Services in Paramus, New Jersey, holding a Series 66 designation and 21 years of industry experience. She has been with UBS since 2014. Outside of her advisory role, she serves as treasurer and officer for Alpine Home and School Administration, supporting fundraising for enrichment and extracurricular activities at Alpine Elementary School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and asset allocations.

Nishant Sharma is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial goals and develop strategies to pursue short-, mid-, and long-term objectives. He provides guidance on a range of financial matters including investing, retirement planning, and saving for unforeseen expenses. Additionally, Mr. Sharma offers access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Mr. Sharma holds the Chartered Retirement Planning Counselor (CRPC) designation. He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from Guru Nanak Dev University. His approach involves partnering with clients to identify what matters to them and their families in order to create tailored financial strategies.

Kirk Feret is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes positions at J.P. Morgan Securities and Chase Investment Services Corp. 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 with various investment strategies, supported by extensive operational and research tools.

Frank Heter III is a Series 66 licensed financial advisor at Merrill with six years of industry experience. Prior to joining Merrill, he held roles at Barnes & Noble and the Euro Futbol Academy. Outside of his advisory work, he is involved with Vocal, a website that offers cash prizes for writing competitions and compensates users based on story readership. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Robert Blocker is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining Cetera, he worked at Avantax in various capacities for more than two decades. He also operates a CPA practice focused on tax preparation and accounting. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform with access to various investment strategies and program structures.

Kennith Bunis is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Henry Liao is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise since 2005 and is involved in several nonprofit organizations, serving on the boards of Forefront and Foster the Family. He is also the founder of The Jubilee Experiment. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach includes a written Recommendation Report developed by a centralized service team, integrating investment research and third-party data to guide asset allocation and Social Security claiming options.

Jonathan Sot is a financial professional at Cetera with one year of industry experience and holds a Series 66 designation. His prior roles include positions at the University of Notre Dame and RMR Group, as well as work in insurance sales. He is also involved in financial services through Allied Wealth Partners alongside his advisory duties. Cetera Investment Advisers LLC serves individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and various program platforms. The firm operates a multi-manager platform with access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Mavi Thorpe is a financial advisor at Morgan Stanley with nine years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2018, Thorpe worked at Merrill for two years. Thorpe also manages a rental property outside of work. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety 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.

Cyril Yannarelli is a CFP®-designated financial advisor with Edward Jones, based in Clifton, NJ, and has 33 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1995. Yannarelli serves as a commissioner for the Paterson Housing Authority and is a board member of Mustard Seed Children/DR in Paterson, NJ, where he assists with fundraising and community support efforts. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory strategies, affiliated mutual funds, and additional financial services. The firm maintains a large network of advisors and branches and operates under a fiduciary standard.

Seong Hahn is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked for PNC Investments for 19 years before joining Equitable Advisors in 2023. Outside of his advisory role, he owns a home care service business in Westwood, NJ. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, and institutional clients, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Joseph Lauricella is a financial advisor with UBS Financial Services in Paramus, NJ, holding the Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Merrill for 24 years and Bank of America for 8 years before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Mario Sicari is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, and has 33 years of industry experience. His prior roles include extensive involvement with BGS Assurance LLC and M&M Associates, among others. Outside of advisory work, he is engaged in motivational speaking for college students and high school graduates, and co-owns a tax planning and bookkeeping firm serving small businesses. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to over 10,000 advisors nationwide. The firm serves individual, corporate, charitable, and institutional clients through a range of portfolio management, financial planning, and retirement services, utilizing both discretionary and non-discretionary strategies.

Eric Aiello is a Wealth Management Advisor and Senior Vice President with the RLA Group at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Eric focuses on providing comprehensive financial advice with an emphasis on investment and portfolio management for high net worth individuals, foundations, and corporate retirement plans. With over 22 years of experience, Eric collaborates closely with clients to develop investment strategies tailored to their financial goals, including family wealth management, legacy planning, personal retirement planning, and retirement income. As a member of the RLA Group, he is committed to building long-term relationships based on trust, helping clients prepare for significant life events such as retirement and generational wealth transfer. Eric earned a Bachelor of Arts degree from Gettysburg College and a Master of Business Administration from Iona College. Outside of his professional role, he enjoys spending time with his wife Daniela and their children, Marco and Kara.