Debra Abbott Walker is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at Citigroup, Equitable Advisors LLC, New York Life Insurance Company, Northwestern Mutual, and AXA Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with various program options and custodial relationships.

Eric Duskin is a financial advisor with Merrill holding a Series 66 designation and 13 years of industry experience. He previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2009 to 2022 before joining Merrill in 2022. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Lee is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and personal representative for a family trust in Vero Beach, Florida. 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 investment process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Thomas Avanzato is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of his advisory role, he has been involved with Dahdex TCG LLC and had a position at Sassy Lemon Co. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Glenn O'Brien is a financial advisor at Merrill with Series 63 and Series 66 credentials and four years of industry experience. He previously worked at Morgan Stanley and has held various positions across education and corporate sectors. 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.

Christine Benson is a financial advisor at Merrill with eight years of experience at the firm and a Series 66 designation. Prior to joining Merrill in 2018, she spent fourteen years with Raised Family. Outside of her advisory role, she is a fitness instructor at Hackettstown Dance Fitness. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, and various institutional investors using model-based and discretionary investment strategies developed by internal and third-party managers.

Gary Capaldo is a CFP®-certified financial advisor with over 32 years of industry experience. He is currently with Cetera Investment Advisers LLC and has a background at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he teaches as a CFP instructor at Wagner College and serves as treasurer for two youth baseball and softball nonprofit organizations. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Robert Pallitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ian Stewart is a Planning Consultant who collaborates with clients to develop financial plans tailored to their goals and objectives. He has professional experience as a Relationship Manager at Fidelity Investments from 2022 to 2023, and as a Financial Representative at Fidelity Investments from 2021 to 2022. In 2021, he also worked as a Financial Consultant at Equitable. Outside of his professional work, Ian is interested in family activities, fitness, football, parenthood, and pets.

Janet Oleary is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior work includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Transamerica Capital Inc, Princor Financial Services Corporation, and Principal Life Insurance Company. She has been with Merrill since 2020. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Gregory Burke is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Gregory works closely with clients to develop flexible strategies that address their full financial picture and adapt to changing market conditions. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and retirement income. Gregory holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Kean University. In addition to his professional work, Gregory participates in community activities in keeping with the Merrill tradition of service. He volunteers with local organizations and has personal interests that include basketball, boating, camping, cooking, gardening, hiking, ice hockey, skiing, spending time with his family, and traveling.

Lori Mc Guinness is a financial advisor with J.P. Morgan Securities in Princeton, NJ, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. Her prior roles include positions at Morgan Stanley and David Lerner Associates, among others. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its recommendations.

Thomas Foley Jr. is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as AXA Advisors. Foley serves as a board member and trustee for the Semper Fi Santa Foundation, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory programs and third-party asset managers to deliver customized investment solutions.

Eric Penna is a financial advisor with Ameriprise in East Brunswick, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2011. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, using a centralized consulting team to deliver written recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients and offers a range of advisory, brokerage, and insurance solutions through affiliated entities.

Edward Scull Jr. is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 65 credentials and 41 years of industry experience. His prior work includes roles at Bank of America and Merrill. Outside of finance, he serves on the advisory board of canine support teams, a nonprofit organization focused on animal-related services. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies.

James Vellanti Jr. is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides investment advice and access to banking and lending services through Bank of America. His approach involves understanding clients' priorities to create personalized investment strategies. James specializes in various aspects of financial planning, including general investing, retirement planning, and preparing for unexpected financial needs. He engages with clients to discuss their goals and provides ongoing guidance as their circumstances evolve. He holds a Bachelor's Degree from the University of Delaware and holds the Professional Investment Advisor (PIA) designation.

Earl Pedersen Jr. is a financial advisor with LPL Financial who holds a Series 66 designation and has 14 years of industry experience. His prior roles include positions at Cetera, Allied Wealth Partners, and Securian Financial Services. Outside of advisory work, he is employed by the New Jersey Department of Treasury, where he investigates businesses to ensure tax compliance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

James Mcdavitt is a financial advisor with Wells Fargo Clearing in Princeton, NJ, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. In addition to his advisory role, he serves as a co-trustee for his mother's family trust and acts as an executor for his brother. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources with diversification principles and modern portfolio theory to offer both brokerage and advisory solutions.

Peter Degiralamo is a financial advisor at Wells Fargo Advisors with 53 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010 and holds a Series 63 designation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with advisory engagements typically structured as discrete projects.

Samuel Smith III is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 19 years of industry experience. He has worked at various firms, including Avantax Investment Services and multiple entities within Cetera, and maintains a concurrent role at Public Service Electric and Gas Company. Outside of his advisory work, he operates Taxsmiths LLC, providing individual and business income tax preparation, tax planning, and student financial aid consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with diverse program options and access to affiliated and third-party managers.