Kevin Budds is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. He also has a background with Bank of America, where he has worked since 2011. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Ralitsa Delgado is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has 18 years of industry experience, including 13 years with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, and three years with Wells Fargo Clearing. 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 searches, and customized performance reporting. The advisory process incorporates quantitative and qualitative due diligence, uses forward-looking capital market assumptions, and may include ESG criteria.

George Oviedo is a CFP® professional with 17 years of experience in the financial industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2020, and previously at TD Ameritrade from 2016 to 2020. He holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining integrated custody, brokerage, and advisory services.

Joshua Sucov is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, he worked at Bank of America NA and Merrill Lynch from 2017 to 2022 and operated as an independent advisor from 2013 to 2017. He is a trustee for multiple family trusts and a qualified account. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed solutions supported by a nationwide network of more than 23,700 financial advisors.

David Jones is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding CFP®, ChFC®, and Series 66 designations with 10 years of industry experience. He has worked at MML Investors Services, LLC and Massachusetts Mutual Life Insurance Company since 2016, and previously at MetLife Securities. Outside of his advisory role, he is also an independent insurance agent specializing in life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual and provides ongoing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and serves a range of client needs including high-net-worth individuals.

Robert Marks is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has eight years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, TD Bank, and Foresters Financial Services. Outside of his advisory work, he is a partner in a student housing rental LLC, where he oversees operations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a variety of investors through discretionary and non-discretionary advisory services, model portfolios, and consulting, with unique capabilities including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Scott Nelson is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 63 designation and bringing 45 years of industry experience. Before joining Raymond James in 2024, he spent 11 years with UBS Financial Services Inc. He is also the owner of a property management business operating in New Jersey and Florida. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm emphasizes tailored financial planning and consulting, offering a variety of portfolio management styles and municipal advisory services.

Benjamin Soccodato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and over 21 years of industry experience. He previously worked with METLIFE Securities Inc from 2005 to 2017 and has been with Mass Mutual since 2016. Outside of his advisory role, he is involved in tax preparation services and marketing consulting for other advisors. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual collaborative planning engagements using firm-approved analytical tools and offers various planning programs including estate settlement and employer-sponsored plans.

Whittaker Mack is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He is also the chairperson of the board of trustees for the Urban Resource Institute, a nonprofit organization providing supportive human services in the New York metropolitan area. In addition, he is involved with Long Creek Group, LLC as a general partner. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on customized asset allocation advice, investment manager searches, and performance reporting through a non-discretionary program.

Erik Saporito is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 18 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, and Merrill. Outside of his advisory work, he assists his spouse with an Etsy business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors.

Zoltan Herskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the wealth management industry. He has been with Merrill Lynch for 20 years and currently serves as the head of investment management for the H&H Group, where he develops equity, fixed income, and alternative investment strategies. Additionally, Zoltan acts as the syndicate coordinator for the Wayne branch, overseeing the distribution of initial public offerings (IPO) and secondary offerings to Merrill clients within the branch. Zoltan holds a Bachelor's degree from Hofstra University with a focus on business. His areas of expertise include college education planning, services for defined benefit plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds multiple professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born in Ukraine and raised in Brooklyn, Zoltan has lived in New Jersey for the past 15 years. Outside of his professional role, he enjoys baseball, chess, and music.

Jeffrey Wogel is a financial advisor at Charles Schwab with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated bank since 1996. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Steven Cohen is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding Series 63 and Series 65 licenses and with 43 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and substantial assets under management.

Aneudy Payano is a financial advisor with Edward Jones in Dumont, NJ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining Edward Jones in 2025, he worked at Wells Fargo Bank, N.A. for seven years and JPMorgan Chase Bank for seven years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Wooldy Pierre is a financial advisor at Fidelity with 12 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services since 2020, following prior roles at TD Ameritrade and PNC Wealth Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions to a broad client base.

Thomas Vitale is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at TD Ameritrade and E*TRADE Capital Management. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a comprehensive multi-asset investment approach supported by centralized custody and operational infrastructure.

David Errick is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and four years of industry experience. He previously worked at TD Bank N.A. and M&T Bank, as well as Sterling Jewelers. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and incorporates ESG considerations in eligible strategies.

Giuseppe LoBello is a Planning Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2026. In his current position, Giuseppe focuses on helping clients work toward their financial goals through comprehensive planning and personalized guidance. His expertise includes retirement planning, investment strategies, wealth planning, and financial education. He collaborates with clients to develop strategies that align with their unique needs, priorities, and long-term objectives. Outside of his professional responsibilities, Giuseppe enjoys boating, cars, family activities, football, and traveling.

Timothy O'Connor is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Smith Barney LLC and Blackrock. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 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.