Andre Bakhos is a financial advisor with J.P. Morgan Securities in Warren, NJ, holding Series 63 and Series 66 licenses and having five years of industry experience. He previously worked at Equitable Advisors and JPMorgan Chase Bank, N.A., and has been involved with Alpha Sigma Phi from 2021 to 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process includes centralized due diligence with both quantitative and qualitative research and may incorporate ESG eligibility criteria.

Sonia Patel is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Merrill since 1999. In addition to her advisory role, she serves as a trustee for a family life insurance trust and is an owner and officer of Xlent Strategies, LLC, a limited liability company involved in bookkeeping. 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 institutional investors.

Christopher Renaud is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and companies to develop disciplined financial strategies focusing on wealth creation, preservation, and transfer. Christopher specializes in areas including college education planning, corporate benefits, divorce transition planning, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, and tax minimization. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a Bachelor's degree in Business Economics from Rutgers University. Christopher resides in Monroe, New Jersey with his wife Heather and their three children: Connor, Cole, and Charlotte. His personal interests include baseball, basketball, bowling, dancing, football, music, painting, racquetball, spending time with his family, and watching movies.

Meredith Vergara is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 2001 and has also worked at Bank of America, N.A. since 2015. 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 offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elizabeth Dahme is a financial advisor with Merrill, holding a Series 63 designation and 46 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007 and Bank of America since 2009. Outside of her advisory work, she holds a fiduciary role as a power of attorney for a family member. 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 model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Burkett Jr. is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill since 2010. Burkett serves as a volunteer member of the Investment Advisory Committee for the American Bankers Association Foundation. 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, pension plans, corporations, and charitable organizations.

Patrick Woodward is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has 28 years of industry experience, including 19 years at Metlife Securities and over a decade with MassMutual and its investment services affiliate. Woodward is also a partner at Optimum Financial and serves as a group health insurance agent. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved analytical tools.

Austin Joyal is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the Joyal-Ferraro Group in 2013 and focuses on helping clients connect all aspects of their financial lives to prioritize and pursue important goals such as education funding, retirement planning, healthcare cost management, and wealth transfer to younger generations. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, and tax minimization. Austin holds a Bachelor's Degree from Villanova University and a High School Diploma from Rutgers Preparatory School. He has earned multiple professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He also holds FINRA Series 7 and 66 registrations. Outside of his professional work, Austin is involved with Special Olympics Pennsylvania. He enjoys outdoor activities such as camping, football, golfing, hiking, horseback riding, scuba diving, skiing, and spending time with his family and traveling.

Louis Ferraro is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined The Joyal Group in 2014 and brings a background in banking, investments, and retirement products to his role. Louis works with a range of clients including business owners, senior executives, professionals, and individuals who have inherited assets, offering customized wealth management strategies. With 19 years of experience at Merrill Lynch Wealth Management, Louis assists clients in pursuing their objectives through discretionary management of custom investment strategies, selection from Merrill model portfolios, and third-party investment options. His expertise extends to retirement and 401(k) planning, small business strategies, and holistic wealth management. Louis emphasizes a team effort in wealth management and engages in detailed discovery processes to optimize asset allocations. Louis holds both a Bachelor of Science and a Master of Business Administration with a concentration in Finance from Rider University. He is a Certified Financial Planner (CFP®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His personal interests include baseball, football, ice hockey, reading, scuba diving, swimming, and spending time with his family.

Montgomery Gallant is a financial advisor with Ameriprise in Hamilton, NJ, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Gallant also owns the Gallant Group, a business involved in payroll and office expense management. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, offering tailored Recommendation Reports and a range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Robert Hetherington is a financial advisor at Cetera with 20 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at firms including Capital Analysts, Lincoln Investment, LPL Financial LLC, and JPMorgan Securities, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Gerald Debenedictis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at M&T Securities, Capital One Financial Advisors, HSBC Securities (USA) Inc., Chase Investment Services Corp., and BNY Investment Center Inc. He has been with LPL Financial since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors and extensive operational tools.

Tristan Manca is a financial advisor with Equitable Advisors holding a Series 66 designation. He has been with the firm since 2026 and has no prior industry experience. His background includes various roles outside finance, such as positions in education and local businesses. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension 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 third-party asset managers and endorsed advisory programs.

Darren Lange is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes extensive tenure at TD Ameritrade, where he worked from 1997 to 2019 before joining J.P. Morgan in 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and supports a range of strategies, including ESG considerations.

Cheryl Fuentes is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch since 2008. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Gribben is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Citigroup Global Markets from 2002 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages substantial assets and offers both brokerage and advisory solutions supported by research and analytics.

David Rehrer Jr. is a financial advisor with Merrill in Westfield, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has worked at Merrill Lynch since 2003 and Bank of America since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution services. The firm integrates with Bank of America affiliates and emphasizes managed account and tax-efficient strategies governed by a centralized CIO and platform oversight.

Douglas Mouridy is a Financial Consultant at Fidelity Investments. He works with individuals and families to develop personalized financial plans aimed at providing peace of mind. He focuses on building ongoing relationships and serves as a primary advisor to monitor clients' financial plans over time. Douglas has held various roles at Fidelity Investments since 2013, progressing from Financial Representative to Relationship Manager, Investment Consultant, Planning Consultant, and currently Financial Consultant. Prior to joining Fidelity, he gained experience as a Wealth Management Intern at Merrill Lynch in 2011.

Ashley Denis is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

John Von Nessen is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 16 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments, Insight Private Advisors, Guardian Life, and VOYA Financial Advisors. He serves as treasurer for the Hillsborough Raiders Touchdown Association and is a board member at Mary Mother of God Church in Hillsborough, NJ. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of financial professionals managing a multi-billion dollar asset base.