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 worked at multiple firms within the JPMorgan Chase organization as well as Citizens Securities, Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework.

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 financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked with Bank of America and Merrill. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple program strategies and manager-constructed offerings, with oversight from its CIO and platform, and leverages its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.

Debra Getz is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds the Series 63 and Series 66 designations. Her prior roles include positions at Prudential Investment Management Services, Empower, AXA Advisors, Allstate, Merrill, and Bank of America. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Santoso Lessiohadi is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and bringing six years of industry experience. He has worked at Primerica Financial Services since 2006 and Yusen Logistics Americas Inc. from 2011 to 2024. In addition to his advisory role, he consults part-time in international logistics and is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable organizations. The firm offers advisory services through a large network of advisors using model-delivery strategies managed by unaffiliated asset managers.

Daniel Perry is a financial advisor at Fidelity with a Series 66 designation and six years of industry experience. His prior experience includes roles at Minnesota Life Insurance Company, Securian Financial Services, Allied Wealth Partners, and Stockton University. Perry has been with Fidelity since 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad range of clients, including retail and institutional investors, with an investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic tools in research.

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.

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.

Carlos Sosa is a financial advisor at Merrill with Series 63 and Series 65 registrations and 28 years of industry experience. He has been with Merrill since 2000 and concurrently with Bank of America since 2009. 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 and profit-sharing plans, corporations, and charitable organizations.

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.

Thomas Avanzato is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of his advisory role, he has been involved with Dahdex TCG LLC and had a position at Sassy Lemon Co. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Glenn O'Brien is a financial advisor at Merrill with Series 63 and Series 66 credentials and four years of industry experience. He previously worked at Morgan Stanley and has held various positions across education and corporate sectors. 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 strategies for individuals, high-net-worth clients, and institutions.