Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Thomas Zupancic is a financial advisor with Equitable Advisors, holding Series 66 and Series 63 licenses and four years of industry experience. His prior roles include positions at Marsh and McLennan Companies Inc. and managing a window cleaning business. The business is now dormant and in the process of dissolution. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, relying on both proprietary and third-party investment models delivered through its network of Investment Adviser Representatives.

Nicholas Pulli is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to his current role, his work history includes positions at MFS Investment Management and Constellation Brands. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in assets and employs a structured planning process using firm-approved tools and modeling techniques.

Evan Brown is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Absolute Fire Protection, Firestone Complete Autocare, and Universal Technical Institute. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Binni Shah is a financial advisor at Merrill with two years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Bank of America, NYLIFE Securities LLC, and Motilal Oswal Financial Service Limited. 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.

Qiadong Zhao is a financial advisor with Cetera, holding CFP® and ChFC® designations, and has 16 years of industry experience. He has been with Cetera and its affiliated entities since 2013, with prior experience at LPL Financial and Cathay Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform with access to various investment strategies and program structures.

Elena Ristov is a financial advisor at J.P. Morgan Securities in Freehold, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Carla Oliveira is a financial advisor at Cetera with 14 years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at Foresters Financial Services from 2015 to 2019. Outside of her advisory role, she is a 100% owner of a rental property. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, featuring a multi-manager platform with access to affiliated and third-party managers, supporting various investment strategies and account structures.

Terence Benjamin is a financial advisor with Raymond James & Associates in Princeton, NJ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked eight years with the United States Golf Association and served on the advisory board of Starmis Corporation, a family business, where he holds a voting board position without beneficial ownership. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting with access to various portfolio management styles and in-house research.

Iryna Grach is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 15 years of industry experience. She has been with Bank of America and Merrill since 2013. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Alexandra Hobson is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She focuses on providing wealth management advice and strategies tailored to individuals, families, corporate executives, business owners, and institutions such as endowments, foundations, and non-profits. Her practice includes family wealth management, legacy planning, philanthropic and retirement income planning, as well as services tailored to managing new wealth and women’s wealth. Alexandra holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. She earned a Bachelor of Arts degree from Pennsylvania State University with a major in Political Science and a minor in Economics. Alexandra works alongside her family as part of The Hipple Wealth Management Group, where they employ a holistic and disciplined goals-based approach to personal wealth management designed to simplify clients’ financial lives. Outside of her professional career, Alexandra participates in community volunteer work and engages in activities including cooking, gardening, golfing, hiking, running, traveling, yoga, and spending time with her family.

Gregory Larson is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides personalized retirement income planning through detailed recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Zachary Swol is a financial advisor at Merrill with a Series 66 credential and six years of industry experience. He has been with Merrill since 2011, totaling 15 years at the firm. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

James Galipean is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has been with Equitable Advisors since 2026. Outside of his advisory role, he has experience as a caregiver and has worked in education at Kean University and Middlesex County College, as well as in the food service industry with Magliones Italian Ice. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes various program models and third-party asset managers, offering a range of investment options including mutual funds, ETFs, and alternative investments.

Peter Shaker is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at OSAIC, Martin Insurance Group, Brown & Brown, and AXA Advisors, as well as time as a self-employed advisor. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a combination of firm-offered and third-party advisory solutions.

Javier Tovar is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at Hennion & Walsh Inc and 360 One Firm. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Thomas Forde is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing eight years of industry experience. His work history includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining J.P. Morgan Securities in 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Brian Kovener is a financial advisor with OSAIC, holding a Series 66 license and 19 years of industry experience. His prior roles include positions at Securities America, Investacorp, and Morgan Stanley. Outside of his advisory work, Kovener serves as the publishing director for VUE NJ, a bi-monthly print magazine. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and multiple managed account options.

Anthony Xerri is a financial advisor at Wells Fargo Advisors with one year of industry experience. He has been self-employed as a musician and content creator since 2011, writing, recording, and performing music alongside his advisory role. Wells Fargo Advisors 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 with tailored recommendations supported by Wells Fargo research and planning tools.

Theodore Smallwood is a Financial Advisor at Merrill Lynch Wealth Management with eight years of experience in the financial industry. He specializes in college education planning, education planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, and retirement income. He holds a Bachelor's Degree from Pennsylvania State University and is a certified Personal Investment Advisor (PIA). Theodore focuses on understanding what matters most to each client, helping individuals, families, and business owners develop strategies to build, preserve, and transfer wealth. He emphasizes building long-term relationships and serving as a trusted resource for his clients. Residing locally with his wife and dog, Theodore enjoys outdoor activities such as running, swimming, hiking, and playing golf. He is also an avid sports fan, with personal interests including baseball, boating, chess, football, ice hockey, music, and spending time with family.