Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. Charles Schwab & Co., Inc. serves primarily 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

James Angiuli is a CFP® professional with 28 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Wells Fargo Advisors, Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, and Wells Fargo Clearing. Outside of his advisory role, he is a notary. 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 variety of financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Jeffrey Salton is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch 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, and institutions.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. 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 within a non-discretionary program. The firm's advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and incorporates ESG considerations in its recommendations.

Emilia Gale is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in financial and wealth management services to families and business owners. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Divorce Financial Analyst (CDFA), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Emilia focuses her expertise on areas such as college education planning, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Emilia holds a Bachelor of Arts degree in Economics from Drew University and is a member of the Drew Alumni Association. She is fluent in English, Portuguese, and Spanish, and conversant in French. Emilia is actively involved in community organizations including the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She also participates in the Portuguese Community and the East Side High School Alumni Association. Emilia resides in Westfield, New Jersey.

Tracy Junquet is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1990. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary strategies for a range of client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jean Magnier is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2011 and Bank of America, N.A. since 2012. From 2011 to 2017, he operated Jean Magnier Art Consulting. 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 and profit-sharing plans, corporations, and charitable organizations.

Jack Leloia is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His work history includes multiple roles at Fidelity Investments and prior involvement with Dynamic Earth LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Brent Freda is a financial advisor at Merrill holding Series 63 and Series 65 credentials. He has experience working at Fulton Bank and Xactus prior to his current role at Merrill and Bank of America, where he has been since 2026. 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 with model-based and discretionary investment strategies developed by internal and third-party managers.

Kiona Hall is a financial advisor at Merrill with a Series 66 designation and 15 years of experience. Her prior roles include positions at Amazon, CVS, and DoorDash. 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, and various institutional investors.

Wilson Munoz is a financial advisor at OSAIC with 14 years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors and Guardian Life Insurance Company. Outside of his advisory work, Munoz is involved in youth soccer training and events through a local community organization. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers brokerage and advisory services utilizing model-based asset allocation and portfolio optimization across a variety of investment programs.

Jim Boyle is a Financial Consultant currently working at Fidelity Investments since 2024. He collaborates with clients to establish and implement financial plans tailored to their goals, and regularly reviews these plans to ensure ongoing alignment and improvement. Jim's professional experience spans several roles in the financial services industry, including Planning Consultant at Fidelity Investments from 2022 to 2024, Financial Advisor positions at Cetera Investment Services LLC and LPL Financial LLC, and roles as a Financial Services Professional at MML Investors Services, LLC and Signator Investors, Inc. He holds a California Insurance License. Outside of his professional work, Jim has interests in baseball, football, soccer, movies, reading, and participating in family activities.

Kyle Kaiser is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Cetera Advisor Networks and Allied Wealth Partners. Outside of advising, he previously worked at Cliff's Homemade Ice Cream for three years. 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 offers a range of financial planning and investment management services through a large network of advisors, utilizing multiple portfolio strategies and proprietary research tools.

Patrick Gill is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at McLanahan's and has been involved in various roles including at Penn State University. He serves as a Sports and Social Committee Member for the Penn State Alumni Chapter in Lehigh Valley, PA. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, serving clients through a network of Investment Adviser Representatives.

Joseph Campi is a financial advisor with Cetera holding a Series 66 designation and six years of industry experience. He has worked at Cetera since 2025 and previously at King Financial Network. Outside of his advisory role, he serves on several committees at the Monmouth-Ocean Development Council, including co-chairing the Emerging Leaders Committee. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management and financial planning services through a multi-manager platform with access to affiliated and third-party model portfolios and managers.

Rituraj Shandilya is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2023 and was previously with Morgan Stanley Private Bank from 2015 to 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is driven by investment policy statements and modern portfolio theory, incorporating a diverse range of financial products including insurance-related vehicles and bank deposit sweep options.

Joseph Palone is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2014. 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, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Kevin Pogroszewski is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, personal retirement planning, small business strategies, individual and corporate investment strategy, and tax minimization. He is dedicated to helping clients build, preserve, and confidently navigate their wealth to achieve their long-term goals. With experience as an Investment Advisory Specialist, Kevin has developed expertise in investment strategy, portfolio construction, and wealth management. He works closely with clients to create tailored investment strategies that align with their goals, risk tolerance, and objectives. His approach includes analyzing market trends, evaluating investment vehicles, and constructing diversified portfolios to help investors maintain discipline through changing market conditions. Kevin holds a Master of Business Administration and a degree in Finance from Rider University. He is a Personal Investment Advisor (PIA) and communicates effectively in English and Polish. Outside of his professional work, Kevin is involved with Mercer United F.C. and enjoys golfing, ice hockey, music, skiing, soccer, spending time with his family, tennis, and traveling.

Jessica Palou is a financial advisor with Ameriprise Financial Services and holds Series 63 and Series 66 designations. She has 17 years of industry experience, including previous roles at T. Rowe Price Investment Services and J.P. Morgan Securities. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which combines written recommendation reports with ongoing tax-aware withdrawal strategies.

Mark Erikson is a financial advisor with Merrill in Bridgewater, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Merrill since 1992 and Bank of America, N.A. since 2016. Outside of his advisory role, he serves as a fiduciary for a for-profit organization. Merrill, alongside 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 institutional investors.