Miguel Munoz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides personalized wealth management advice and guidance to affluent families, corporate executives, professionals, business owners, and institutions. Miguel and his team utilize a goals-based wealth management process designed to help clients identify their objectives, structure wealth according to individual or family legacy plans, and maintain disciplined investment approaches during periods of market volatility. They also collaborate with non-profit and for-profit institutional clients on retirement, benefit planning, and philanthropic investment guidance. Miguel brings extensive experience in financial services, focusing on wealth management, trust and estate planning, business succession, capital preservation and growth, income generation, education and retirement planning, as well as exploring opportunities in alternative investments. He holds multiple professional designations, including Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), Certified Trust and Fiduciary Advisor (CTFA), and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor's Degree from Montclair State University and is fluent in both English and Spanish. Outside of his professional commitments, Miguel is involved with several organizations such as the Hispanic Organization for Latino Advancement, Lambda Sigma Upsilon National Fraternity, Latinos Simpre Unidos Foundation, MSU Alumni Association, and Tri-Alpha Honor Society. He also participates in community activities with Habitat for Humanity. His personal interests include adventure sports, dancing, football, music, spending time with his family, and traveling.

Simon Kong is a Financial Advisor at Merrill Lynch Wealth Management. He provides investing advice and access to Bank of America for banking and lending needs, focusing on creating personalized investment strategies aligned with clients' goals. Simon specializes in college education planning, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, and retirement income. He holds a Bachelor's Degree from Rutgers University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Simon is fluent in Korean and English. He has been involved with Pilgrim Pines Camp and Retreat Center as a former board member. Outside of work, Simon enjoys baseball, photography, pickleball, spending time with his family, and watching movies.

Alan Rizzuto is a CFP® certificant with 37 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at UBS Financial Services. He serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversified investment approaches and offers both brokerage and advisory solutions.

Paul Dussard is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 credentials and with 19 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007 and also has been involved in Western Logistics, Inc. since 2001. Outside of advisory work, he receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets across nearly 3,700 advisors and delivers advisory services primarily through model-driven strategies created by unaffiliated asset managers.

Andrew Craig is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research, underwriting, and capital markets services.

Steven Summa is a CFP® professional with 28 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2013 and previously held positions at New England Securities, Wells Fargo Clearing, and A.G. Edwards & Sons. In addition to his advisory role, he operates an independent insurance agency and owns a financial services DBA. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, offering both discretionary and non-discretionary management across multiple platforms and custodians.

Ryan Marshall is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Cetera and has held roles at Ela Financial Group Inc. and Cetera Wealth Services, LLC. Marshall serves as co-chair of a mentorship program at Montclair State University that supports business school students in their career development. Cetera Investment Advisers LLC provides services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

Anthony Spizzo is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. His career includes prior roles at Banc of America Investment Services and Quick & Reilly. Outside of his advisory work, he is a writer and part owner of Huddle Pass Inc., a blog focused on Rutgers football, and is a member of the Bergen Highlands Rotary Club. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that offers retirement income planning and tax-aware withdrawal strategies through a collaborative, non-discretionary process.

Elliot Berens is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup Global Markets and Uber. 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 program emphasizes centralized due diligence and incorporates systematic quantitative and qualitative research in its advisory process.

Jason Capolarello is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and 16 years of industry experience. He has worked at both Bank of America and Merrill since 2013. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Rosen is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Rosen serves on the board of the Syracuse Football Letterman Club, where he is involved in event and tailgate party planning. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Hristos Gallios is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2015, including prior experience with AXA Advisors, LLC. Equitable Advisors serves a diverse range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes both in-house and third-party advisory models and offers a variety of investment solutions including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Melanie Zartaloudis is a Series 66 licensed financial advisor with Morgan Stanley in Paramus, NJ, with three years of industry experience. She previously worked at JPMorgan Chase Bank for two years and is also employed at Walgreens Pharmacy. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets.

Joseph Grant is a Senior Financial Advisor associated with Merrill Lynch Wealth Management, based in northern New Jersey. He specializes in assisting families and small businesses in achieving their financial objectives by developing personalized wealth management strategies tailored to their needs. With over twenty years of corporate experience primarily in New York City and New Jersey, Joseph focuses his practice on areas including personal retirement planning, individual and corporate investment strategy, retirement income planning, college education planning, portfolio management services, small business strategies, and services for endowments, foundations, and non-profits. He holds the Personal Investment Advisor (PIA) designation. Joseph earned a bachelor's degree in Economics from Hampden-Sydney College and an MBA from The College of William and Mary. Outside of his professional commitments, he is involved in community activities such as Habitat for Humanity and the Presbytery of the Palisades Committee on Ministry. He also participates in groups including Somerville Hawes Dad's Night and West Side Presbyterian Church. His personal interests include cooking, golfing, music, running, soccer, and spending time with his family.

Felix Sanchez is a financial advisor with Primerica Advisors, holding a Series 63 designation and with 16 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and with Primerica Financial Services since 1997. Outside of his advisory role, he works as an Uber driver. 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 employs a tiered wrap-fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Sean Oakes is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Raymond James in 2025, he spent 11 years at TIAA-CREF. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension and profit-sharing plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Thomas Singleton is a financial advisor with OSAIC in Paramus, NJ, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior roles include ten years at Lincoln Financial Advisors Corporation and one year at PRUCO Securities, LLC. In addition to advisory work, he is involved in offering insurance products such as disability, health, accident, Medigap, and property and casualty insurance. OSAIC serves a broad mix of retail and institutional clients, providing brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, offering a range of programs including comprehensive financial planning and Unified Managed Accounts.

David Siebel is a financial advisor at OSAIC with 14 years of industry experience and holds a Series 66 designation. His career includes positions at OSAIC since 2023 and SagePoint Financial since 2012. Outside of his advisory work, Siebel manages employer group-sponsored employee benefit plans for small to mid-sized companies through his role as Managing Principal at EPIC Insurance Brokers & Consultants and ownership of Siebel Consulting, Inc. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a multi-advisor platform offering brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and a range of managed account strategies.

Stacey Schaumberger is a Series 66 licensed financial advisor with Morgan Stanley, based in Paramus, NJ, and has 35 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

John Sung is a Financial Advisor at Merrill Lynch Wealth Management. He works with C-suite and entertainment executives, physicians, engineers, and entrepreneurs to develop strategies that pursue their short-, mid-, and long-term financial goals. John provides guidance in areas such as general investing, retirement planning, saving for unexpected events, college education planning, corporate executive services, executive compensation, family wealth management strategies, services for defined benefit plans, legacy planning, managing new wealth, sports and entertainment, and tax minimization. He also connects clients with Bank of America specialists for banking, credit, home financing, and small business solutions. John has over two decades of experience helping professionals, families, and business owners navigate their financial futures. He combines technology with human connection to deliver tailored strategies and build lasting relationships. He is a graduate of Rutgers University with a degree in Finance and completed a Bootcamp Certificate in FinTech from Columbia University. John holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, John is celebrating 20 years of marriage and is a father to his son and pet dog. He is active in his community, coaches youth sports, and supports his son's athletic pursuits. John is a fan of the Yankees, Knicks, and Giants and enjoys baseball, basketball, music, photography, pickleball, traveling, and woodworking in his spare time.