Brady Paczkowski is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His prior work includes roles at Charles Schwab Bank SSB, the Full Count Umpire Association, and Smokehouse Tailgate Grill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary and discretionary investment models, offering multi-asset portfolios and alternative investment options within an integrated operational structure.

Patrick Rafferty is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. In addition to his advisory work, he receives compensation for referrals related to home security, automation products, and home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers, uses a tiered wrap fee structure, and delegates trading responsibilities to BNY Mellon Advisors.

John Geoghan is a financial advisor at Merrill with 33 years of industry experience. He holds the Series 63 designation and was previously with UBS Financial Services from 1992 to 2025. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Bohinski is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes prior roles at Cetera Advisors LLC and Icc, and he is a part owner of WEF Brokerage Specialists, LLC, which operates a P&C insurance agency. He is also involved with Brokerage Professionals II, Inc., where he sells various insurance products including title insurance and Medicare supplements. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

John Larkin is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has worked with Merrill since 1983 and has been with Bank of America, N.A. since 2011. 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 model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Kurt Schroder is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he assists clients in managing their wealth by developing personalized financial strategies tailored to their individual goals. He leverages market insights from Merrill and the banking and lending capabilities of Bank of America to support clients in pursuing their long-term financial objectives. Kurt holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from Baruch College. He is also committed to community involvement, dedicating time to volunteer with local organizations, reflecting the Merrill tradition of community participation.

Rosemary Neidermeyer is a financial advisor at LPL Financial with eight years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Cetera Investment Services and Foresters Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management along with access to model portfolios and research.

Christopher Warenkiewicz is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors since 1999, previously affiliated with AXA Advisors, LLC. Outside of his advisory role, he is a member of a local networking group in Manalapan, NJ. 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 employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to clients’ goals, risk tolerance, and time horizons.

Jamal Rymer is a financial advisor with Primerica Advisors in Brooklyn, NY, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with Primerica since 2018 and previously worked at Borough of Manhattan Community College. Rymer is also president of Diversity Empowered, LLC, a legal entity formed for Primerica business purposes. 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 accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Todd Gray is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, MORGAN STANLEY SMITH BARNEY llc, Bank of America, and Merrill. 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 investment programs, managing approximately $2.74 trillion in client assets.

Edward Band is a Certified Financial Planner (CFP®) with 36 years of industry experience, currently serving at Wells Fargo Advisors since 2023. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. He is a trustee for a family charitable remainder trust and owns EAB Financial Services, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and planning tools.

Courtenay Napoli is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of her advisory role, she serves on the Ranney School Parent Development Committee, focusing on peer and parent outreach and event coordination. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Caponetto Jr. is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with UBS Financial Services since 2015. Outside of his advisory role, he is involved with Kona Investment Group, Inc., where he participates in interior design and staging as part of a management committee. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor strategies based on proprietary research and model-based asset allocations.

Kenneth Chan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with research support from LPL Research and third-party subadvisors.

Kathleen Monahan is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 20 years of experience in the financial services industry, specializing in areas such as Divorce Transition Planning, Executive Compensation, Family Wealth Management Strategies, retirement planning, and socially responsible investing. Kathleen and her team focus on providing personalized client service and strive to deliver a comprehensive client experience built on trust and integrity. Her approach emphasizes educating clients to ensure they fully understand their investment strategies, with a focus on long-term asset allocation and diversification. Kathleen holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She earned her Bachelor's Degree from Montclair State University. Outside of her professional role, Kathleen resides in Cranford, NJ with her husband and their Bernedoodle, Molly. They enjoy hobbies such as golf, hiking, cooking, and reading. Kathleen also dedicates time to volunteering with local charities.

Edward Schreiber IV is a financial advisor at Ameriprise with a Series 66 designation and recent industry experience. His background includes roles across diverse fields such as education and physical therapy, as well as involvement with Fresh Prints and WizCommerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing advice and written recommendation reports based on a combination of proprietary research and third-party data.

Quinn Im is a CFP®-certified financial advisor with 25 years of industry experience, currently affiliated with LPL Financial. He has worked with IC Advisory Services, Inc. and The Investment Center, Inc. since 2009. Outside of advising, he is an avid photographer with over 25 years of experience pursuing this interest personally. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers a wide range of advisory and brokerage services supported by various investment programs and research resources.

Janice Onyrscuk is a financial advisor with Primerica Advisors in Brooklyn, NY, holding Series 65 and Series 63 licenses and with 21 years of industry experience. She has been with Primerica Advisors since 2005 and also has a background in real estate, having worked for Coldwell Banker Residential Brokerage from 1994 to 2024. Outside of her advisory role, she is involved in referral activities related to home security, automation products, and loan services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual investors, corporate, and charitable clients, offering model-driven investment strategies supported by third-party asset managers and custodians. The firm operates at scale with thousands of advisors and offices and focuses on delivering advisory services primarily through model recommendations rather than institutional portfolio management.

Brendan Foley is a financial advisor with Wells Fargo Advisors in Cranbury, NJ, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as a public notary in New Jersey. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu, including specialized services such as business-owner transition planning and special-needs analysis, delivered through tailored recommendations based on Wells Fargo research and tools.

Linda Gaucher is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. She has worked within the Wells Fargo organization since 2009, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and planning tools, covering various planning areas including retirement, education, and specialized needs such as business-owner transition and divorce planning.