Scott Doughty is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank NA. 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 strategies for individual, high-net-worth, corporate, and charitable clients.

Daniel Cooney is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Stephen Flamio is a financial advisor with MassMutual Investors Services holding a Series 66 designation and four years of industry experience. He has previously worked at Morgan Stanley and Vanguard in addition to his current role. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements using firm-approved software and offers specialized services such as divorce planning and estate settlement.

Joseph Vogler is a Series 66-licensed financial advisor with UBS Financial Services in Paramus, NJ, where he has worked since 2011. He has 16 years of industry experience. Outside of his advisory role, he is a partner and director of sales at Bergen Tele, a digital advertising partnership serving local businesses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

James Lugo is a financial advisor with Wells Fargo Advisors in Pearl River, NY, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Lugo is involved as a finance committee member with the Bergen County Players and is also an actor with Phoenix Rising Productions PRP LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers comprehensive financial planning and investment services, using proprietary research and planning tools to create tailored recommendations across a broad range of client needs.

Yanhong Li is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Axa Advisors LLC, First Heartland Consultants Inc., AIG, Equity Services, Inc., National Life Group, and MSI Financial Services, Inc. She also serves as a trustee for her husband's and mother's trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory programs, including third-party model portfolios and discretionary managers, and offers ERISA fiduciary services to qualified plans through credentialed advisors.

Annie Chen is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has a related role at MassMutual Life Insurance Co since 2016. Outside of her advisory work, she co-owns Eco Paper Products Inc., a business involved in the import and wholesale of paper bags. 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 offers ongoing financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning relationships.

Peter Ruvolo Jr. is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. His career includes roles at Sanders Smith Ltd., OSAIC Wealth, Inc., and Cetera Advisors LLC. In addition to advising, he serves as president of Qualified Plan Solutions, a non-investment-related S corporation. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supporting a range of strategies and third-party managers.

Gerard O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with the firm in 1999 and holds the Senior Vice President and Senior Financial Advisor titles. Gerard focuses on designing and implementing equity, fixed-income, and alternative investment strategies for retirement planning. He applies a goals-based approach to create comprehensive wealth management plans tailored to each client's objectives. Gerard also manages discretionary custom investment strategies and selects from a variety of Merrill model portfolios and third-party investment options. Gerard holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Montclair State University. Gerard collaborates with clients' attorneys, accountants, and other advisors on estate planning, financing strategies, and key transition events such as retirement, inheritance, and business sale. Residing in East Hanover with his family, Gerard has practiced martial arts for over 20 years and holds multiple black belts across eight disciplines. He competes in Isshin-Ryu, Jiu Jitsu, and Doce Pares tournaments. Gerard also has interests in baseball, boating, and football.

Jimmy Hernandez is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE, JPMorgan Chase, and Edward Jones. 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, utilizing multi-asset model portfolios and centralized operational support.

Daniel Klippel Jr. is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at LPL Financial, First Hope Wealth Management, Raymond James Financial Services, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including insurance-related vehicles and bank deposit sweep options among its investment offerings.

Hans Ramsey is a financial advisor with Primerica Advisors, holding a Series 63 designation and 24 years of industry experience. He has been with Primerica Financial Services since 1985 and Primerica Advisors since 2000. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation, offering a range of strategic approaches.

Osamah Mari is a financial advisor at Edward Jones with 26 years of industry experience. He previously spent 23 years at Alliance Capital before joining Edward Jones in 2024. Mari holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Brittney Secreto is a financial advisor with Cetera, holding a Series 63 license and 16 years of industry experience. She has worked with Cetera and its affiliates since 2019 and previously served at Foresters Financial Advisory Services LLC from 2010 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Ryan Coyle is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he works with high net worth individuals, families, and small businesses to prioritize and pursue their financial goals. He focuses on creating personalized wealth management strategies based on a comprehensive understanding of his clients' financial situations. Ryan specializes in areas including college education planning, personal retirement planning, and sports and entertainment. He develops investment strategies tailored to the needs and priorities of his clients with the aim of achieving financial stability. He holds a Bachelor's Degree from Fairfield University and is a Personal Investment Advisor (PIA). Outside of his professional work, Ryan enjoys cooking, football, golfing, ice hockey, and spending time with his family.

Marc Laxer is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including 24 years at Metlife Securities and over a decade with MassMutual and its affiliated entities. In addition to his advisory role, he is licensed to sell life and health insurance as well as fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring client engagements as annual collaborative relationships that emphasize goal analysis and strategic recommendations.

Timothy Cappadona is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2025, he worked at Bank of America and Merrill for nine years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Chad Greenholtz is a financial advisor at RBC Capital Markets with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at RBC Capital Markets in various capacities since 2013, including a brief tenure at Janney Montgomery Scott LLC. He serves on the Board of Directors of the Florida Municipal Bond Club, participating in organizing networking events for municipal bond professionals. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies implemented through both in-house and third-party managers.

Dominic Alfieri is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial advisory field and more than 22 years at Merrill Lynch. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and is a qualified Portfolio Manager. Dominic graduated from the Accredited Certificate Program at Fairleigh Dickinson University. He focuses on retirement and estate planning strategies including risk management, strategic and tactical asset allocation, and portfolio management services. Dominic works with the Alfieri/Stark Wealth Management Group to help clients, including successful business owners and individuals, plan for their long-term financial goals using a goals-based approach. His expertise includes college education planning, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Dominic volunteers his time for charitable organizations such as Habitat for Humanity and the Boys and Girls Clubs of Northern New Jersey. In his free time, he enjoys traveling, reading, golfing, and spending time with his family.

William Pressman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience serving the complex financial needs of affluent individuals and their families. William joined Merrill Lynch in 2014 after a career at another leading wealth management firm. Before entering financial services, he owned and operated a marketing agency focused on the retail sector. William specializes in areas including college education planning, liquidity management, managing new wealth, philanthropic planning, portfolio management services, socially responsible and ESG investing, and retirement income. He holds the Professional Investment Advisor (PIA) designation and earned his bachelor's degree from The Ohio State University. Based in Manhattan and Harvey Cedars, New Jersey, William is originally from Queens, New York. He and his wife support the Indiana University Foundation and are involved with the Beth Haverim Shir Sholom community. Outside of work, William enjoys cooking, music, spending time with his family, traveling, and watching movies.