Diane Lopes is a Series 66 licensed financial advisor at UBS Financial Services with 15 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Marcus Tomaino is a CFP® professional with 11 years of industry experience, currently serving at Raymond James & Associates since 2014. He holds a Series 66 license and is based in Bedminster, NJ. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through various specialized programs.

Brian Sherman is a CFP® professional affiliated with LPL Enterprise, LLC, with 31 years of industry experience. His background includes roles at MissionSquare Investment Services, Lorenzo CPA LLC, Avantax, and Merrill, among others. He also owns an accounting and tax preparation business. LPL Enterprise serves a diverse client base—including individuals, high-net-worth investors, retirement plans, and charitable entities—by providing investment advisory and brokerage services through a network of investment adviser representatives, primarily using model-driven investment strategies.

Christopher Russo is a financial advisor at Osaic Wealth with a Series 66 designation. He has experience working at Marsh McLennan and Duff & Phelps prior to joining Osaic Wealth. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Joseph Bauer serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he develops goals-based financial advisory relationships tailored to each client's unique investment needs. He promotes a systematic approach to planning and investing that aligns with clients' investment goals, risk tolerance, liquidity requirements, and time horizons. Joseph provides access to a wide range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, and banking services through Bank of America, N.A. He also offers guidance related to concentrated stock positions, company stock options, and alternative investment strategies when appropriate. His work is supported by internal specialists and BofA Global Research. He holds a Bachelor of Science degree in Finance from Seton Hall University, earned in 1995. Since beginning his career in financial services in 1995, he has been with Merrill Lynch Wealth Management since early 2009. Joseph holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, as well as life and health insurance licenses in New Jersey and Florida. He has earned the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute®.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory work, she serves as a personal representative and trustee for family-related estate matters. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of brokerage and advisory solutions, serving more than 14,000 financial advisors and managing roughly $671 billion in assets.

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.

Brad Nettune is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has more than 25 years of experience in wealth management, advising high-net-worth individuals, families, family offices, pensions, and endowments. His practice focuses on customized financial solutions, particularly executive services such as restricted stock sales, 10b5-1 trading plans, and wealth preservation strategies. He has expertise in trust and estate planning, philanthropic strategies, and intergenerational wealth transfer. Brad joined Merrill Lynch in 2015 after previous roles at Morgan Stanley, UBS, and as Managing Director at Bear Stearns. He earned a bachelor's degree from Lynchburg College and holds FINRA Series 7 and 63 registrations. Brad lives in Short Hills, New Jersey, with his four children. His personal interests include baseball, basketball, football, golfing, hiking, ice hockey, running, skiing, spending time with family, and traveling.

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.

John Cusate is a financial advisor at UBS Financial Services in Warren, NJ, with nine years of industry experience. He has been with UBS since 2016 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a range of 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 proprietary research and capital markets solutions.

Jennifer Tarantino is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and 17 years of industry experience. She previously worked at LPL Financial and Morgan Stanley Private Bank. Outside of her advisory role, she is involved with several wealth management entities, including Fox Hill Wealth Management. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients meeting specific net-worth thresholds. The firm integrates advisory services with other financial products and referral channels, supporting diverse client needs.

Robert Buckman is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and has 32 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Wells Fargo Securities, LLC. He also has a part-time involvement with Prudential’s Property and Casualty division in Basking Ridge, NJ. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

Katherine Noonan is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds the Series 66 designation and previously worked at Goldman Sachs & Co. for nine years and Barclays Capital Inc. for four years. She is currently based in Summit, NJ. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with centralized due diligence, incorporating ESG criteria and offering access to broader derivatives and commodities capabilities.

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.

Ralph Costanza is a financial advisor with Merrill in Summit, New Jersey, holding a Series 63 designation and over 57 years of industry experience. He has been with Merrill Lynch and Bank of America since 2012. Outside of his advisory role, he serves as an advisory board member for the Fred J Brotherton Charitable Foundation. 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 a range of clients including individuals, high-net-worth investors, and charitable organizations.

Robert Di Dio is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Goldman Sachs for 13 years before joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and incorporates ESG factors where applicable.

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.

Stephen Oliver is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 34 years of industry experience. He has worked with Cetera and its affiliates since 2012, as well as First Allied Advisory Services prior to that. Outside of his advisory role, he is an author and media contributor for The Retirement Obsession. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform that allows advisors to use affiliated and third-party managers or create customized strategies.