Megan Pagliaro is a financial advisor at Merrill with 9 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2022. Her prior experience includes a role at Hughes Klaiber LLC and periods focused on homemaking. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates model-based and discretionary investment strategies within Bank of America’s platform, providing access to a wide range of products and services.

Kyle Reinson is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before his current role. Prior to joining Fidelity Investments, Kyle worked at Merrill Lynch as an Assistant Vice President and Financial Solutions Advisor from 2019 to 2023. In these roles, he has focused on creating personalized financial plans and providing guidance to clients throughout their financial planning process. Kyle is committed to collaborating with clients to develop financial strategies that align with their individual goals and to supporting them in navigating their financial journeys.

Michael Mccarthy is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo. It provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning.

Veranika Khamianok is a Financial Services Advisor (FSA) with Merrill Lynch Wealth Management. She specializes in developing personalized financial plans that align with clients' unique goals, including education funding, retirement planning, and long-term family objectives. Veranika emphasizes a client-centered approach that prioritizes individual perspectives and priorities, aiming to simplify the complexities of investing and wealth management. Veranika holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. She earned a Bachelor's degree from Yerevan State Institute of Economics and a Master's degree from Brandeis University.

Robert Difabritis is a financial advisor at Cetera with 39 years of industry experience. He has worked at Avantax Advisory Services and related entities for over 30 years and has operated Robert DiFabratis & Co since 1991. His other business activities include tax preparation and financial statement preparation through Robert Difabritis & Co. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies and third-party managers, supporting both discretionary and non-discretionary account management.

Robert Gatyas is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He has held roles at Wells Fargo Clearing Services LLC, JP Morgan Chase Bank, and Bank of America. He holds Series 63 and Series 66 licenses. 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, including specialized areas such as business-owner transition and sports & entertainment planning.

Francy Ruiz is a Series 66 licensed advisor at Merrill with 18 years of industry experience. She has been with Merrill Lynch since 2006. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader platform allows access to a wide set of products and services, including swaps, derivatives, and lending.

Brian Mckevitt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and having 29 years of industry experience. Prior to joining LPL Enterprise in 2026, he spent 16 years at Aegis Capital Corp. He is also involved in offering Medicare-related insurance products through multiple business activities in New Jersey and New York. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to model portfolios and third-party asset management, combining advisory programs with brokerage and insurance product sales through an integrated platform.

David Potischman is a Certified Financial Planner (CFP®) with 22 years of industry experience. He currently works at Morgan Stanley in Morristown, NJ, having joined the firm in 2025 after 13 years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including customized financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through individual financial advisors as well as corporate financial planning agreements.

Adam Kay is a financial advisor with LPL Enterprise in Bedminster, NJ, holding a Series 66 designation and 14 years of industry experience. He previously worked at Pruco Securities and the Prudential Insurance Company of America. Outside of his advisory role, Kay serves as a volunteer member of the United States Coast Guard Auxiliary. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs through an integrated platform that combines advisory and brokerage services.

Frank Leloia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2007, he has leveraged over 30 years of experience as a registered representative and financial advisor to help affluent families, small businesses, and non-profit foundations develop, execute, and monitor long-term wealth management strategies. He emphasizes a systematic approach to investing aligned with each client's goals and risk tolerance, working closely with other professional advisors to provide tax strategies and support estate plan development. Frank’s client focus areas include education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Pennsylvania State University System. Residing in Long Valley, New Jersey, with his wife Beth and their two children, Nick and Jack, Frank is committed to community involvement and follows the Merrill tradition of volunteering locally. His personal interests include baseball, basketball, billiards, football, golfing, reading, spending time with family, and traveling.

Jason Sprung is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 registrations and bringing 37 years of industry experience. Prior to joining Wells Fargo Advisors in 2019, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 14 years. He is also the owner of JMS Capital Corp, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services tailored to clients who meet specific net-worth criteria. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Jeffrey Berns is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by proprietary tools and a structured process, managing approximately $2.74 trillion in client assets.

Daniel Pilone is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Pilone is also involved in health and property & casualty insurance sales. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, 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 via an integrated platform.

Armando Dirienzo is a financial advisor with Ameriprise in Florham Park, NJ, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2016. Outside of his advisory work, he is a partner and co-owner of entertainment-related businesses, including a franchise called Stumpys Hatchet House and an entertainment venue in Fairfield, NJ. Ameriprise offers retirement-income planning services focused on clients with significant investable assets, using a centralized consulting team and a combination of research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations.

Zachary Hayn is a financial advisor at UBS Financial Services with two years of industry experience. He previously worked at Grow America for one year and has a decade of experience managing Salty Dog Bar & Grill. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a range of products supported by proprietary research and capital markets expertise.

Joseph Reilly is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services from 2015 to 2022 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering advice without individual security recommendations as part of standalone plans.

Richard Jambrina is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at UBS Financial Services for 15 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs supported by firm-approved tools and investment models, managing approximately $2.74 trillion in client assets.

Sean Stevens is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and nine years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery conversations and proprietary planning tools to develop financial plans and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Michael Taggart is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior roles include positions at JPMorgan Securities, JPMorgan Chase Bank, Bank of America, and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations with a variety of advisory programs and customized portfolio management strategies incorporating both in-house and third-party investment managers.