Ralph Diaz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in the summer of 1991 and has since accumulated over 25 years of experience. Ralph offers expertise in areas such as college education planning, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Arts degree in Economics from Rutgers University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Ralph focuses on assisting clients with defining their financial goals and designing investment strategies that align with their risk profiles and objectives. Outside of his professional pursuits, Ralph is involved with the Emmanuel Cancer Foundation, serving on its Board of Directors. He enjoys photography, skiing, traveling, writing, and spending time with his family, which includes his wife, Karen, and their two children.

Rocco Degregorio is a financial advisor with Thrivent Investment Management, holding Series 66 and Series 63 licenses and four years of industry experience. He has been with Thrivent and its affiliates since 2022. Prior to his advisory role, Degregorio spent nine years employed at Glass Gardens and ShopRite of Paramus. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary portfolio management or institutional advisory mandates.

Arthur Vicente is a financial advisor at Edward Jones with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at KeyBank, Key Investment Services LLC, and Sterling National Bank. He is currently based in Westwood, NJ. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households, pension plans, corporate clients, and charitable organizations. The firm offers a range of investment strategies and advisory services, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

Michael Bain is a financial advisor with Edward Jones in Cresskill, NJ, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Edward Jones since 2013 and also operates Michael Bain, Esq. since 2012. Outside of his advisory work, he is involved with Music Speaks LLC, a music education business, where he handles accounting and bookkeeping. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors.

Keith Dolin is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2009. His prior experience includes roles at Bank of America N.A., Ust Financial Services Corp., and Us Trust Company of New York. 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 individuals, high-net-worth clients, corporations, and other entities.

Robert Smith is a financial advisor at LPL Enterprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America since 1999. Outside of his advisory role, he is involved in selling group life and disability insurance products. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is typically model-driven, incorporating portfolios developed by internal research and third-party strategists, and it offers a range of financial planning, consulting, and insurance-related services.

Daniel Solazzo is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and nine years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with Massachusetts Mutual Life Insurance Company and MSI Financial Services Inc. Outside of his advisory role, Solazzo is an independent insurance agent and coaches youth lacrosse. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering collaborative, goal-focused advice without discretionary investment management.

Jill Cooper is a CFP®-certified financial advisor with 32 years of industry experience. She is currently with OSAIC and has previously worked at Sagepoint Financial, American General Securities, and other financial services firms. In addition to her advisory work, she is a member of JBC Consulting LLC, which focuses on the sale of group and individual insurance products. OSAIC Wealth serves a wide range of clients including retail and institutional investors, retirement plan sponsors, and corporate entities. The firm offers brokerage and advisory services supported by model-based asset allocation and portfolio optimization, employing a multi-advisor platform to deliver various financial planning and investment management programs.

Philip Murphy is a financial advisor with Raymond James & Associates, holding a Series 66 credential and 22 years of industry experience. He has been with Raymond James since 2015 and previously worked at Lasalle Street Business Solutions for seven years. Outside of his advisory work, he co-owns a shore house in New Jersey that he rents occasionally, managed by a real estate firm. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, pension plans, and nonprofits, offering financial planning and non-discretionary investment consulting supported by broad research and multiple portfolio management styles.

James Beale Sr. is a financial advisor at LPL Enterprise with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Outside of his advisory role, he is involved in Prudential-sponsored non-variable insurance activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional clients. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Malcolm Lett is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with PFS Investments Inc. and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Edwin Gonzalez is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds a Series 63 designation and has been with Primerica Advisors and Primerica Financial Services since 1995. Outside of his advisory role, he is the owner of No Boss Unlimited, a separate business venture based in Plantation, Florida. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm relies on model-based investment strategies created by unaffiliated asset managers and supports its advisory services with custodial and trade execution partnerships.

Stephen Cooley is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and various positions outside the financial industry such as Milton Point Provisions and Billy & Pete Group. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Mary Ann Abida is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that evaluate the overall financial health of families, including wealth management planning, asset preservation, retirement income stream creation, and tax liability alleviation. Mary Ann focuses on guiding clients through financial changes and uncertainties to help achieve their financial goals for themselves and future generations. She holds a Master's Degree from the University of Phoenix, a Bachelor's Degree from Montclair State University, and a Certificate in Financial Planning from NYU School of Professional Studies. Mary Ann has earned several professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is multilingual, speaking English, Circassian, and Arabic. In addition to her professional work, Mary Ann is involved with community organizations such as the Circassian Benevolent Association and delivers financial empowerment workshops to various groups. She supports organizations including Doctors Without Borders, Humanity for Relief and Development, International Rescue Committee, and World Central Kitchen. Her personal interests include cooking, football, golfing, music, reading, soccer, spending time with family, swimming, traveling, and yoga.

Felipe Stanev is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and one year of industry experience. His previous roles include positions at PFS Investments Inc., Primerica Financial Services, and T3 Trading Group. Outside of advising, he is involved in sales of home-related products through Primerica Mortgage and Primerica Client Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, retirement plans, and corporate entities. The firm’s investment implementation is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional offerings in insurance and affiliated trust custody services.

Frank Petrocelli III is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 18 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with Metlife Securities Inc. He is also an independent insurance agent specializing in fixed annuities, life, accident, health, and Medicare-related products. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a variety of programs including wrap and money-manager options, along with educational seminars.

Robert Siegler is a Series 66-licensed financial advisor with 18 years of industry experience, currently associated with LPL Financial since 2020. His previous roles include positions at Lakeland Financial Services, Raymond James Financial Services, J.P. Morgan Securities, Chase Investment Services, and Wells Fargo Clearing. 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 management solutions, including access to third-party asset managers and institutional platforms.

Jennifer Jervis Babish is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 20 years of experience in the financial industry and joined Merrill Lynch in 2012. Prior to that, she served as a Senior Financial Center Manager for Wells Fargo. Jennifer holds FINRA Series 7 and 66 registrations and has earned professional designations including Chartered Special Needs Consultant (ChSNC) and Personal Investment Advisor (PIA). Her expertise includes personal retirement planning, portfolio management services, special needs planning strategies, women and wealth, and retirement income. Before entering the financial industry, Jennifer was a teacher, which informs her approach to financial education. She focuses on helping women investors and their families by providing financial education and promoting healthy financial habits. Jennifer holds a Bachelor's degree from Saint Thomas Aquinas College. In her personal life, she enjoys cooking, music, pickleball, reading, sewing, spending time with her family, tennis, watching movies, and practicing yoga.

Thomas Kelly is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. Prior to his financial industry roles, he worked in various positions including at Louis Vuitton Malletier and other firms. 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.

Scott Menta is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 36 years of industry experience. He has worked with MassMutual and its affiliates since 2017 and spent 30 years at Metlife Securities Inc. In addition to his advisory role, he is involved in individual and group insurance sales outside of MassMutual. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and programs including asset allocation, estate settlement, and event-driven planning such as divorce and employer-sponsored programs.