Michael Wowkanech is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America N.A. and Merrill since 2022 and has prior experience with Horizon Blue Cross Blue Shield of New Jersey and Saint Peter's University. 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 investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Brett Giaconia is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Louis Perfetti is a CFP® with 20 years of experience in the financial industry. He is currently with Wells Fargo Advisors and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad planning menu including cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition planning and special-needs analysis.

Robert Freed is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes ten years at Wells Fargo Clearing, seven years at Wells Fargo Advisors LLC, and over three decades with Massachusetts Mutual Life Insurance Co. He has also been involved with Turnberry Isle Ocean Club since 1988. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

James Travagline is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lisa Mandalaywala is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 9 years of industry experience. She has been with Wells Fargo Clearing since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Justin Odell is a CFP® with 25 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Stephen Callahan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Prior to his current role, he worked as a personal trainer and was involved with Russell's Property Improvements. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Richard Cohen is a Certified Financial Planner (CFP®) with 30 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves as President of Seashore Gardens Living Center, a religious-based nonprofit nursing home, and is a member of the investment committee at the Jewish Community Center in New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Clifford Murray Jr. is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Clayton Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining LPL Financial in 2021. 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 range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Daniel Koch is a financial advisor with OSAIC, holding the Series 66 designation and bringing 17 years of industry experience. He previously worked for Wells Fargo Advisors for 12 years before joining OSAIC in 2024. Outside of his advisory role, he serves as an ambassador for Gift of Life, speaking at hospitals and schools on organ transplant and donation. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios across a range of investment types, managed on either a discretionary or non-discretionary basis.

James Wallace is a Financial Advisor with Merrill Lynch Wealth Management, based in the Wayne, Pennsylvania office. He has worked in the financial services industry since 1987, bringing several decades of experience to his role. Prior to joining Merrill Lynch in January 2011, he served as a Wealth Management Advisor with Morgan Stanley and UBS Financial Services. Early in his career, he gained experience at Bloom Egan, a trading firm on the Philadelphia Stock Exchange, and later worked on the Option Strategies Desk at Butcher & Singer. Additionally, he formed a partnership with his wife, Nancy, known as the Wallace Rainer Group. Mr. Wallace holds a Bachelor of Science degree in Business Administration from Wheeling Jesuit University. He also holds the designation of Personal Investment Advisor (PIA). Beyond his professional commitments, James Wallace is involved in community activities, serving on the Gentleman's Committee for the Devon Horse Show and volunteering at the Radnor Hunt Club.

Alexander Clark IV is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2013. Clark serves as a member of the Absecon City Council, where he communicates municipal policies and programs to residents. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.

Donna Perez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Wells Fargo since 2009, initially at Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Outside of her advisory role, she serves on the Cumberland County Economic Development Board and the finance committee of Inspira Medical Center, and she is a board member of Vineland Public Schools. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad array of financial products including insurance-related vehicles and bank deposit sweep options.

Kimberly Kern is a Series 66-licensed financial advisor at Edward Jones with two years of industry experience. She has been with Edward Jones since 2014, including her current tenure from 2023 onward. Outside of her advisory work, Kern serves as Vice President of the Linwood Nursery School and is an administrator for the J19 Foundation, where she is involved in social media, event planning, and volunteer coordination. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including managed solutions and separately managed accounts. The firm is notable for its extensive network of advisors and branches, along with affiliated services such as a trust company and proprietary mutual funds.

Marcus Treadwell is a Series 66-licensed financial advisor at Wells Fargo Clearing with four years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Bank, as well as Bank of America and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Robert Mairone is a financial advisor with Equitable Advisors in Linwood, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as executor of an estate and co-trustee of a family trust, and is involved with a nonprofit organization focused on mental health awareness and suicide prevention. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management services. The firm utilizes a range of investment programs delivered through a network of advisers, emphasizing personalized risk assessment and matching clients to suitable advisory models and third-party managers.

Holli Delgado is a Series 66-licensed financial advisor with Raymond James Financial in Linwood, NJ, having two years of industry experience. Prior to her financial career, she worked for over three decades at Action Uniform Co. Outside of advising, she is employed as an associate at Anchor Financial, a support company in Linwood. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base including individuals, institutional clients, and charitable organizations. The firm provides non-discretionary, tailored advisory services supported by risk profiling and probabilistic modeling, and maintains unique offerings such as municipal advisory services and SIMPLE IRA Employer Consulting programs.

Joseph Bonczek is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His prior work includes roles at Wells Fargo Advisors and academic positions at Princeton University and St. Augustine Preparatory School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.