Joseph Dugary is a Wealth Management Advisor with Merrill Lynch Wealth Management, focusing on managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Since joining Merrill Lynch in 2011, he has been coaching a growing circle of referred clients, primarily male and female corporate executives in New Jersey and other locations. His approach involves crafting highly customized wealth management strategies that are sensible and attainable, with a focus on helping clients achieve their long-term financial goals through realistic plans aligned with their risk tolerance. Joseph earned a Bachelor's degree from The Catholic University of America. He holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is committed to educating his clients on financial concepts and simplifying their financial lives by focusing on long-term objectives rather than short-term market fluctuations. Outside of his professional work, Joseph is involved with the community initiative Infinite Love for Kids Fighting Cancer. He enjoys golfing, running, spending time with his wife Justine and their three children, and is a lifelong Philadelphia sports fan. The Dugary family resides in Haddonfield, New Jersey.

Matthew Bravyak is a financial advisor with Ameriprise, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2023, he worked at the University of Delaware and Bishop Eustace Preparatory High School. 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 options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a focus on assets held in Ameriprise Managed Accounts, and offers a wide range of advisory, brokerage, and insurance solutions.

Paul Steinbiss is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, acting as an ERISA fiduciary when providing investment advice.

David Mack is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis to support its advisory services.

Matthew Bichefsky is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Silicon Valley Bank, TD Bank, New York Life, and the University of Delaware. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, combining tailored financial planning with a range of investment offerings supported by proprietary tools and investment committee guidance.

Daniel Zimmerman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at LPL Financial since 2018 and was previously with Invest Financial Corporation and Beneficial Savings for a decade. He is also involved in tax preparation and accounting as a side business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with a range of model portfolios and research resources.

Jeffrey Browne is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads the Browne-Dugary Group. He works primarily with executives, small business owners, and multi-generational families, focusing on client-centered wealth management strategies that address their unique financial goals. Jeffrey's expertise includes executive compensation, family wealth management strategies, tax minimization, and retirement income planning. His team, recognized for exceptional service, supports clients through disciplined and personalized financial planning to meet their needs. He holds several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jeffrey earned a Bachelor's degree from Babson College. Outside of his professional role, he is actively involved in his community through mentoring and coaching youth sports, particularly supporting underprivileged youth via Catholic Partnership Schools, and volunteering with Bishop Eustace Preparatory School. He resides in New Jersey with his wife and three children and enjoys basketball, golfing, and traveling.

Gregory Sobocinski is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 19 years of industry experience and has been with Cambridge since 2016. Outside of his advisory role, he also works as an independent insurance agent and operates under the DBA Brae Wealth Management LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, using a range of portfolio management approaches across multiple custody platforms.

Jeffrey George serves as a Managing Director and Wealth Management Advisor at George Bernstein Mulholland Wealth Management. He works with high-net-worth individuals, families, and institutions to develop wealth planning and investment strategies. Jeff is a member of the firm’s investment committee, applying institutional-level rigor to investment selection, tactical asset allocation, and portfolio construction. He holds several professional designations including Certified Investment Management Analyst® (CIMA®), Certified 401(k) Professional (C(k)P®), and Certified Plan Fiduciary Advisor (CPFA). His expertise extends to retirement plans, qualified retirement plan strategies, and fiduciary responsibilities. Jeff previously worked at Merrill in roles such as Branch Manager, Resident Director, and Regional Sales Manager. His leadership experience also includes military service as a Company Commander in the 101st Airborne Division during Operation Iraqi Freedom. Jeff earned a bachelor's degree from Embry-Riddle Aeronautical University. He is involved in community organizations including Fellowship Bible Church, Greater Vineland Chamber of Commerce, Inspira Hospital Network, Jersey Surf Drum and Bugle Corps, and the Union League of Philadelphia. He resides in southern New Jersey with his wife and three sons and has been recognized with the Merrill David Brady Award for community service.

Joseph Spanfelner is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary recommendations through a centralized consulting team, with a focus on assets held in Ameriprise Managed Accounts.

Justin Hughes is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, N.A., Cetera, and McMaster-Carr Industrial Supplies. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Joseph Dunn II is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Dunn Group, a practice focused on providing a holistic wealth management approach that addresses fees, taxes, and risk to help clients gain financial independence. The group specializes in assisting Baby Boomers with planning for the financial and tax implications of Required Minimum Distributions, as well as working with high-income millennials on a range of life goals including real estate purchases, education planning, tax reduction strategies, student loan management, executive compensation, and retirement planning. Joseph holds a Bachelor's Degree from St Joseph's University and a High School Diploma from St Joseph's Preparatory School. He maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His team is comprised of professionals under the age of 40, which they recognize as an advantage in serving clients through demographic changes. Outside of his professional role, Joseph is involved with the community as a lieutenant in the Haddon Fire Company #1 and volunteers at the Cathedral Kitchen. He has received the President's Volunteer Service Award. His personal interests include spending time with his Husky puppy Jake, family, and watching Philadelphia sports teams.

Michael Amato is a CFP® and PFS™ with 34 years of experience in financial services. He currently works at Cetera and has held previous positions at Avantax Advisory Services and Avantax Investment Services. In addition to his advisory role, Amato is president of Independent Tax & Financial Planners, P.C., where he provides tax preparation and accounting services, and serves as a fiduciary trustee. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services delivered through a nationwide network of independent advisors.

Joseph Persiano is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop personalized strategies to pursue their financial goals across various time horizons. He serves as a resource for general investing, retirement planning, and preparing for unexpected financial needs. Joseph also provides access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Joseph's approach emphasizes understanding what clients value most to tailor financial strategies accordingly. He works directly with clients to develop plans aligned with their aspirations, leveraging the global investing resources available through Merrill along with Bank of America's credit, lending, and banking services. He holds a Bachelor's Degree from Temple University and is a Personal Investment Advisor (PIA).

Natalja Barnett is a Senior Financial Advisor with Merrill Lynch Wealth Management. She brings a diverse professional background that includes seven years as a lawyer at a Latvian-Swedish manufacturing company and more than a decade in financial reporting and management at BNY Mellon. Her experience at BNY Mellon focused on complex financial reporting, analysis, and accounting of mutual and closed-end funds, which informs her meticulous approach to financial advising. Natalja specializes in areas such as college education planning, family wealth management strategies, personal retirement planning, women and wealth, and retirement income. She is committed to building strong, trust-based client-advisor relationships grounded in a clear understanding of clients' personal and financial goals. Her advisory approach emphasizes objective, product-neutral guidance through Merrill’s disciplined four-step wealth management process, aiming to provide tailored strategies that support clients’ long-term financial success. Educationally, Natalja holds a Master’s Degree in Law and a Bachelor’s Degree from Latvia State University, as well as an MBA from Widener University. She is also a Personal Investment Advisor (PIA) and is fluent in Russian and English. Outside of her professional life, Natalja enjoys gardening, hiking, horseback riding, music, running, scuba diving, skiing, spending time with family, traveling, and yoga.

Lauren Kwasnicki is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has been with Merrill since 2010. Merrill, in conjunction 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.

Kevin Paul is a CFP®-designated financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously worked at The Vanguard Group. His background includes service in the United States Marine Corps and a brief role at La Cena Restaurant. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that combine quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Robert Hoffman III is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2010 and has also worked at Fulton Bank and Fulton Financial. Hoffman is involved with Fulton Financial Advisors in a non-investment role focused on investment sales. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports a wide network of advisors with advanced analytical tools and specialized services in municipal finance and SIMPLE IRA consulting.

Amanda Sneed is a financial advisor at Merrill with 18 years at the firm and 8 years of industry experience. She holds a Series 66 designation and is based in Mount Laurel, NJ. 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 supported by internal and third-party managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patricia Villano is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. She has worked at Wells Fargo Advisors, LLC from 2008 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.