Sonia Patel is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Merrill since 1999. In addition to her advisory role, she serves as a trustee for a family life insurance trust and is an owner and officer of Xlent Strategies, LLC, a limited liability company involved in bookkeeping. 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 institutional investors.

Christopher Renaud is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and companies to develop disciplined financial strategies focusing on wealth creation, preservation, and transfer. Christopher specializes in areas including college education planning, corporate benefits, divorce transition planning, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, and tax minimization. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a Bachelor's degree in Business Economics from Rutgers University. Christopher resides in Monroe, New Jersey with his wife Heather and their three children: Connor, Cole, and Charlotte. His personal interests include baseball, basketball, bowling, dancing, football, music, painting, racquetball, spending time with his family, and watching movies.

Ellen Desarno is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Equitable Advisors since 1999, including its predecessor entity AXA Advisors, LLC. Outside of her advisory role, she is involved in various insurance activities and operates under the DBA Diligence Financial Group. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a combination of proprietary and third-party investment models and provides ERISA fiduciary services through credentialed representatives.

Rajeev Chellapilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on delivering a comprehensive approach to wealth management by listening to clients' needs and ensuring that each strategy is aligned with their financial goals. He provides clients access to the investment insights of Merrill Lynch as well as the banking services of Bank of America to address various aspects of their financial lives. Rajeev holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. He is committed to delivering service that supports clients in pursuing their financial objectives.

Chris Ann Kavanagh is a financial advisor at Morgan Stanley with three years of industry experience. She previously worked at Wells Fargo Advisors for six years before joining Morgan Stanley in 2022. Outside of her advisory role, she is involved in sales and marketing for Rodan & Fields, an online retail business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Meredith Vergara is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 2001 and has also worked at Bank of America, N.A. since 2015. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mucahit Esenyurt is a financial advisor with Wells Fargo Clearing in Jersey City, NJ, holding Series 63 and Series 66 licenses. He has seven years of industry experience, including eight years at Wells Fargo Clearing and thirteen years with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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.

Gregory Pomerantsev is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with JPMorgan Chase Bank, N.A. since 2018. His career also includes prior roles at J.P. Morgan Securities and Chase Investment Services Corp. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria.

Austin Joyal is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the Joyal-Ferraro Group in 2013 and focuses on helping clients connect all aspects of their financial lives to prioritize and pursue important goals such as education funding, retirement planning, healthcare cost management, and wealth transfer to younger generations. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, and tax minimization. Austin holds a Bachelor's Degree from Villanova University and a High School Diploma from Rutgers Preparatory School. He has earned multiple professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He also holds FINRA Series 7 and 66 registrations. Outside of his professional work, Austin is involved with Special Olympics Pennsylvania. He enjoys outdoor activities such as camping, football, golfing, hiking, horseback riding, scuba diving, skiing, and spending time with his family and traveling.

Louis Ferraro is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined The Joyal Group in 2014 and brings a background in banking, investments, and retirement products to his role. Louis works with a range of clients including business owners, senior executives, professionals, and individuals who have inherited assets, offering customized wealth management strategies. With 19 years of experience at Merrill Lynch Wealth Management, Louis assists clients in pursuing their objectives through discretionary management of custom investment strategies, selection from Merrill model portfolios, and third-party investment options. His expertise extends to retirement and 401(k) planning, small business strategies, and holistic wealth management. Louis emphasizes a team effort in wealth management and engages in detailed discovery processes to optimize asset allocations. Louis holds both a Bachelor of Science and a Master of Business Administration with a concentration in Finance from Rider University. He is a Certified Financial Planner (CFP®), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His personal interests include baseball, football, ice hockey, reading, scuba diving, swimming, and spending time with his family.

Gary Zampella is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. He has worked at Wells Fargo Bank and Wells Fargo Clearing Services since 2022, and previously spent ten years with TD Bank, N.A. and TD Private Client Wealth LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

Robert Hetherington is a financial advisor at Cetera with 20 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at firms including Capital Analysts, Lincoln Investment, LPL Financial LLC, and JPMorgan Securities, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Gerald Debenedictis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at M&T Securities, Capital One Financial Advisors, HSBC Securities (USA) Inc., Chase Investment Services Corp., and BNY Investment Center Inc. He has been with LPL Financial since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a broad network of over 22,800 advisors and extensive operational tools.

Marky Picard is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 15 years of industry experience. He has worked with Wells Fargo Bank N.A. since 2005 and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Tristan Manca is a financial advisor with Equitable Advisors holding a Series 66 designation. He has been with the firm since 2026 and has no prior industry experience. His background includes various roles outside finance, such as positions in education and local businesses. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing third-party asset managers and endorsed advisory programs.

Douglas Osher is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked with Wells Fargo Clearing for nine years before joining Wells Fargo Advisors. Osher also owns Essex Wealth Partners LLC, a financial services business based in Verona, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu and uses proprietary research and tools to deliver tailored recommendations, supporting clients with various complex financial needs.

Darren Lange is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes extensive tenure at TD Ameritrade, where he worked from 1997 to 2019 before joining J.P. Morgan in 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and supports a range of strategies, including ESG considerations.

Alexandre Gomes is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds a Series 66 designation and has worked at firms including Edward Jones, PNC Investments LLC, and The Prudential Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment management options.

David Rehrer Jr. is a financial advisor with Merrill in Westfield, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has worked at Merrill Lynch since 2003 and Bank of America since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution services. The firm integrates with Bank of America affiliates and emphasizes managed account and tax-efficient strategies governed by a centralized CIO and platform oversight.

Eric Storberg is a financial advisor at Ameriprise with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves as Rotary District Foundation Chair, overseeing fundraising activities for the Rotary International Foundation. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.