Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.

Joseph Perna is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. His career includes positions at Prudential Insurance Company of America, Wells Fargo & Co., and several advisory firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products via an integrated platform.

Zachary Stabile is a financial advisor with Equitable Advisors holding a Series 66 designation. He has not yet accumulated industry experience but has been involved in various roles outside finance, including working with Ultimate Ripz and eBay. Equitable Advisors serves a wide range of clients, including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through program sponsors and endorsed third-party managers to deliver advisory and brokerage solutions.

Audra Lisoski is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63 and Series 65 designations and previously worked for Pruco Securities, LLC and Prudential Insurance Company of America for a decade. Lisoski is also a New Jersey Notary Public. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management programs through an integrated platform.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

David Shea is a Senior Financial Advisor with Merrill Lynch Wealth Management in Princeton. He joined Merrill Lynch in 1985 after graduating from Rider University with a Bachelor of Science in Commerce. David holds the professional designation of Personal Investment Advisor (PIA). Throughout his career, David has managed significant client portfolios, with approximately 550 million dollars in client balances as of February 1, 2022. He focuses on understanding his clients' financial goals and developing strategies to help achieve them. David resides in Robbinsville, New Jersey with his wife, Erin, and has two grown children. He has been active in his community, serving on various boards and committees and volunteering with local organizations.

Fady Keriakos is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase, TD Bank, Amazon, and Credit Agricole Egypt. Merrill 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.

Julian Corralizza is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Equitable Advisors since 2016, previously associated with AXA Advisors LLC. Outside of advisory services, he is involved in health insurance-related business activities. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing extensive third-party programs and emphasizing a mix of discretionary and non-discretionary asset management.

Linda Yu is a financial advisor at LPL Financial with seven years of industry experience. She holds a Series 66 designation and has worked previously at Forester Financial, The Investment Center Inc, and IC Advisory Services Inc. Outside of her advisory role, she owns and operates Yu's Black Belt Institute, a business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and model portfolios from multiple sources.

Marco Rita is a financial advisor with Raymond James Financial in Somerville, NJ, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes 12 years at PNC Investments and ongoing roles at Fulton Bank and Raymond James Financial Services, Inc. Outside of his advisory work, he is involved in rental real estate ownership. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through unique affiliations and specialized advisory programs.

Frank Belfiore Loconte is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2021, following seven years at TDAmeritrade. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Inderjit Singh is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in helping clients structure customized financial strategies and investment programs designed to achieve retirement, college, and estate planning goals. Inderjit has extensive experience assisting individuals during periods of financial transition, particularly those who are retiring or changing jobs, by outlining available options and developing strategies consistent with their personal financial goals. Since joining Merrill Lynch in 2006, Inderjit utilizes the firm's resources to work with clients on personalized wealth strategies emphasizing asset allocation and diversification. He also supports small businesses and business owners with retirement planning, financing, and cash management. Inderjit holds a Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards Inc. and a Certified Investment Management Analyst (CIMA) designation. He earned both his Bachelor's and Master's degrees in Finance from California State University East Bay. Inderjit resides with his family in Princeton, New Jersey. Outside of work, he enjoys listening to podcasts and audiobooks, and maintaining physical fitness through activities such as CrossFit. He has been involved in the CrossFit community for over eight years. Inderjit's interests also include hiking with his family, and sports such as baseball, chess, football, golfing, music, reading, running, soccer, tennis, and yoga.

Kelly Nilsen is a financial advisor with Merrill in Princeton, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Merrill Lynch since 2000. 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, pension plans, corporations, and charitable organizations.

Christopher Rubano is a CFP® certificant with 37 years of experience in the financial industry. He is currently with Cetera and has worked previously at First Allied Advisory Services and First Allied Securities. Outside of his advisory role, he serves as a board member for Meals on Wheels of Staten Island and holds leadership roles in community organizations including the Kiwanis Club of South Shore, Staten Island. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large nationwide network of independent advisors and employs a multi-manager platform with various program structures and custodial relationships.

Timothy Kent is a Series 66-licensed financial advisor at Merrill with 18 years of industry experience. He has worked at Merrill Lynch since 2008 and Bank of America, NA since 2009. Outside of his advisory role, he is the owner of the Kent Family Gift Fund, a donor-advised charitable organization funded by him and a family member that donates to various authorized charities. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Richard Tighe Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Advisors, and the New Jersey Economic Development Authority. He also has experience in public service with the Township of Hamilton. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, and institutions through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products, supported by an integrated platform that combines advisor programs with other financial services.

Owen Black is a financial advisor at UBS Financial Services with five years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank. Owen has a Series 66 designation and is based in Princeton, NJ. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.

Rugmini Padmakumar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 15 years. She holds a Series 66 designation and serves as a board member for the charitable organization Mantrah. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including educational seminars and event-driven planning such as divorce and estate settlement.

Kharmia Powell is a Wealth Management Advisor with Merrill Lynch Wealth Management. She leads a team that assists individuals and families in identifying their financial goals and implementing tailored wealth management strategies. Her work includes collaboration with other family advisors on estate planning matters, such as strategic philanthropic giving. Prior to joining Merrill Lynch in 2001, Ms. Powell was a bond analyst at J.P. Morgan Securities in New York. Before her tenure at J.P. Morgan starting in 1994, she served as president of an international management consulting firm based in New York City. Ms. Powell holds a Bachelor of Arts degree from Smith College and has studied law and finance at the University of Pennsylvania Law School and New York University Stern School of Business. She holds the Certified Private Wealth Advisor (CPWA) designation and a Personal Investment Advisor (PIA) designation, maintaining ongoing education in finance and ethics. Ms. Powell has served on the board of directors of the Gift Planning Council of New Jersey, a professional organization dedicated to education and training in philanthropy. Her approach emphasizes collaboration to create personalized financial plans aligned with clients’ life priorities, family goals, and aspirations.