John Doran is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients develop personalized financial strategies to pursue their goals. His client focus areas include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. John holds a Bachelor's Degree from Kings College and has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach centers on uncovering what matters to clients and their families to create strategies tailored to their financial objectives. Outside of his professional work, John enjoys boating, fishing, spending time with his family, and watching movies.

Andrew Riviello is a CFP® with seven years of industry experience, currently affiliated with OSAIC in Somerville, NJ. He has held roles at OSAIC since 2024 and previously worked at Securities America Advisors, Inc. and MassMutual. Outside of his advisory work, he is also licensed as an insurance agent. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated financial advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services, offering financial planning, retirement plan consulting, unified managed accounts, and access to third-party money managers.

Nina Zelaya is a financial advisor with Wells Fargo Advisors in Iselin, NJ, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her work history includes roles at Wells Fargo Clearing and Wells Fargo Bank. Wells Fargo Advisors Financial Network is a broker‑dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services including retirement, education, and specialized planning areas, using Wells Fargo’s research and tools to develop tailored recommendations.

Nicholas Caruso is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by extensive research and centralized operational infrastructure.

Wade Martin is a financial advisor with RBC Capital Markets in Princeton, NJ, holding a Series 63 designation and 38 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Martin is also an owner and active partner in a family investment partnership. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Thomas Wagner is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Securities America Advisors and National Planning Corporation. In addition to his advisory role, he operates Wagner & Associates, LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios and research from multiple sources.

Kannan Jayaram is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors. Outside of his advisory role, Jayaram works as a ski and snowboard instructor at Vail Ski and Snowboard School in Vail, Colorado. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services to tailor solutions based on client goals and risk tolerance.

Stephen Frazer is a financial advisor with LPL Financial in Somerville, NJ, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. His prior roles include positions at Triad Advisors, Inc. and GWN Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management and incorporating research, model portfolios, and diverse investment strategies.

Daniel Foran is a CFP® with 43 years of experience in the financial industry. He is currently associated with LPL Financial and has prior experience at Raymond James Financial Services Advisors Inc. and Financial Network Educators. He is also involved in teaching through Financial Network Educators. 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, retirement consulting, and brokerage services supported by research and model portfolios.

Jackson Munoz is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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.

John Spatola is a financial advisor with OSAIC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Royal Alliance, Santander Securities, Raymond James Financial Services, and others. Outside of advising, he co-owns a temporary employment business and a printing company. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diversified portfolios, with services available on both discretionary and non-discretionary bases.

Robert Coon is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, Merrill, and Wachovia Bank. Outside of advising, he is also active as an artist and musician. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services utilizing model portfolios, third-party asset management programs, and a range of financial products through its integrated platform.

Michael Hughes is a Series 66-licensed financial advisor with Equitable Advisors in Demarest, NJ, where he has worked since 2004. He has 21 years of industry experience, including time at Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model with both advisory and brokerage channels to deliver tailored client solutions.

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.

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 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Emilia Gale is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing financial and wealth management advice since 1994. She has over 30 years of experience working with families and business owners in areas such as retirement planning, college education planning, tax minimization, and socially responsible investing. Emilia 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). She is fluent in English, Portuguese, and Spanish, and is conversant in French. Emilia earned her Bachelor of Arts degree in Economics from Drew University and is an active member of the Drew Alumni Association. Beyond her professional work, Emilia is involved in community organizations such as the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She lives in Westfield with her husband, and they enjoy gardening, outdoor activities, attending sporting events, and the theatre.

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.