Theresa Payne is a financial advisor with Merrill in East Brunswick, NJ, holding Series 63 and Series 65 licenses. She has 28 years of industry experience and has been with Merrill since 1994. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Cosentino is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. His career includes long-term roles at First Allied Securities and First Allied Advisory Services before joining Cetera. He also serves as a trustee for COSENTINO IRRV. LIFE INS. TRUST. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Nicolas Zolofra is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nicolas earned his Bachelor's Degree from The College of New Jersey. Further details regarding his experience, areas of expertise, and personal interests have not been provided.

James Miller is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining LPL Financial in 2025, he worked for IC Advisory Services, Inc. and The Investment Center, Inc. for 17 years. He serves on the board of the Rotary Club of Cranford. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Wiener Nivose is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Primerica Advisors since 2016 and has additional experience at Primerica Financial Services and Nysdot. Outside of his advisory role, he is a co-owner of Fruit In Action LLC (Finact LLC), which provides assistance to people in Haiti. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, maintaining oversight of its investment models and processes.

Ciara Frawley is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with four years of industry experience. She has worked at Morgan Stanley since 2021 after completing her education at Cornell University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Jeffrey Unger is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His career includes positions at Merrill, Bank of America, Santander Securities, and Citizens Securities. Unger is based in Staten Island, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisers. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Jeannine Gaeta is a Series 66 licensed financial advisor at Merrill with 13 years of industry experience, all spent at Merrill since 2013. She also works as a consultant for Isagenix International, a company focused on nutritional products and supporting a healthy lifestyle. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Pradley Casseus is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Chase Bank NA and JPMorgan Securities, LLC. Outside of his advisory role, he co-manages a rental property. 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, institutions, and nonprofit organizations.

Gautam Misra is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and with 33 years of industry experience. He has worked at LPL Financial since 2017 and previously spent over two decades at Beacon Financial Group and National Planning Corporation. Outside of his advisory role, he is involved with a home-based business entity, Misra Enterprise Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment options, including model portfolios and third-party asset management, supported by advanced research and operational tools.

David Biunno Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is a member of the RM & Associates team, which allows him to address a wide range of financial needs and situations. David has worked in financial services since 2007, providing tailored advice and guidance to executives, small business owners, and families through a holistic approach that accommodates multiple priorities. His experience includes crafting robust strategies grounded in clients' specific goals and needs while considering their risk profiles and time horizons. Prior to joining Merrill Lynch Wealth Management, David spent six years as a Financial Advisor with Professional Economic Growth Group in Edison, New Jersey. He also served as an advisor with AXA Insurance. David holds a bachelor's degree from Providence College and is a founding member of its New Jersey Alumni Association. He has earned the Chartered Retirement Planning Counselor (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. In addition to his professional activities, he is involved in the Providence College Alumni Club of New Jersey, serves as a hockey coach for the Beacon Hill Club, and participates with the New Jersey Brain Injury Association.

Christina Jasko is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Outside of her advisory role, she serves as Membership Chair for the Home and School Association at Northern Highlands Regional High School. 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 a range of 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.

Aarushi Pathak is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her previous roles include positions at JP Morgan Chase Bank, Prudential Insurance Company of America, and Pruco Securities LLC. She has been with Merrill and Bank of America since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutions. The firm provides model-based and discretionary investment strategies constructed by internal and third-party teams, supported by comprehensive trade execution and account administration.

Fahmid Rashid is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has prior experience at firms including Goldman Sachs & Co., EquityZen Securities LLC, and Elevator21. Rashid’s background also includes work at PricewaterhouseCoopers in both Bangladesh and China. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Anthony Karabas is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and bringing 37 years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2016. In addition to his advisory role, Karabas is licensed as an agent selling life, health, property and casualty, disability, Medicare-related products, fixed annuities, long-term care insurance, and group life insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a structured, collaborative planning approach using analytical tools, offering various programs including investment management and educational seminars.

Michael Russo is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Wells Fargo Advisors since 2016 and previously held positions at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory role, he manages the Mike Anthony Group, an investment-related business based in Staten Island. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Vidhi Sonani is a financial advisor at Mass Mutual Investors Services with four years of industry experience. She holds the Series 66 designation and has worked at UBS and Kearfott Corporation. In addition to her advisory role, she is a licensed realtor with United Real Estate North Jersey, assisting clients with buying and selling homes. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented financial planning using firm-approved tools and offers event-driven planning programs including divorce and estate settlement services.

Grant Aidner is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He began his financial services career in 2003 and specializes in helping high-net-worth families simplify complexity through a family office inspired approach. Grant's services integrate investment management, tax-aware planning, credit strategies, and family governance to provide clients with a coordinated partner focused on their goals, risk, and legacy. Grant's expertise includes education planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, retirement income, and services for defined benefit plans. He emphasizes a comprehensive approach to managing wealth by understanding clients' life priorities and collaborating to create personalized plans tailored to individuals and their families. Grant holds a Bachelor's Degree from The University of Vermont and possesses multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in the Peninsula Soccer Club as a coach and participates in community activities related to the organization. Outside of work, Grant enjoys cooking, golfing, running, skiing, and surfing.

Rochelle Forster is a financial advisor with Equitable Advisors in Edison, NJ, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with Equitable Advisors since 2009 and previously worked at AXA Advisors, LLC. Outside of her advisory role, she is a member of Dergalis Associates, LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory programs, including third-party asset managers and firm-offered solutions, focusing on matching clients with appropriate investment models based on personal and plan information.

Kathleen Sheehan is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients by providing a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, supported by proprietary research and institutional trading capabilities.