Edward Skarbnik is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 designations 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 and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is investment policy statement–driven and incorporates modern portfolio theory, with a broader range of financial products than many institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Patrick Rafferty is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. In addition to his advisory work, he receives compensation for referrals related to home security, automation products, and home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers, uses a tiered wrap fee structure, and delegates trading responsibilities to BNY Mellon Advisors.

Zeeshan Mir serves as a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He has over 35 years of experience in wealth management, having joined Merrill in 2002. His client base includes business owners, medical and legal professionals, corporate executives, and others with growing wealth across the nation. Zeeshan specializes in assisting business owners throughout the stages of the business cycle, offering strategies related to cash management, financing, succession planning, and the implementation of defined benefit or defined contribution plans. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA) awarded by the National Association of Plan Advisors, Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials enable him to provide fiduciary advisory services to defined contribution and benefit plans. He earned a Bachelor's degree from Rutgers College. Zeeshan resides in Basking Ridge, New Jersey with his wife and two sons. Outside of his professional work, he is a member of the United States Chess Federation and participates in tournament chess. His personal interests include travel, biking, exploring, golf, and involvement with the community organization Girls on the Run.

Robert Torcivia is a financial advisor at Morgan Stanley in Morristown, NJ, with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services under both individual and corporate financial planning agreements.

Jacob Woody is a financial advisor at RBC Capital Markets in Florham Park, NJ. He holds Series 63 and Series 65 licenses and has experience working with firms including Fountainhead Advisors and Charles Schwab. His career background also includes roles outside traditional finance such as at Orangetheory Fitness and involvement with the Campaign For Working Families. RBC Wealth Management serves a diverse client base, including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with customizable investment strategies and integrates in‑house and third‑party managers to meet client-specific needs.

Tara Flax is a financial advisor at UBS Financial Services with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and offers proprietary research and capital markets solutions.

Rachel Borriello is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and nine years of industry experience. Her prior work includes roles at National Securities Corporation and Fidelity Brokerage Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic methods, and it holds distinctive registrations such as a CFTC commodity pool operator license.

Brian Sulewski is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Angela Romano Cosgrave is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has been with Merrill since 2010, totaling 16 years at the firm. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with a wide range of banking and custody services as part of the Bank of America platform.

Katherine Schneider is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with Cetera Wealth Services, LLC and Cetera, having joined in 2025. Prior to this, Katherine worked at Avantax and has additional experience with tax and CPA firms, including her own tax practice where she prepares tax returns and provides tax planning for individual, trust, and business clients. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Brandon Myers is a Financial Advisor and Junior Partner with The De Cerbo & Associates Team at Merrill Lynch Wealth Management. He works with a select group of individuals and families including professional athletes, coaches, divorcees, and senior executives to deliver customized, goals-based wealth management strategies. His professional approach is rooted in discipline, focus, and integrity. Brandon holds several industry designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™), and Chartered Retirement Planning Counselor™ (CRPC™). He earned a Bachelor of Science degree in Finance from Rutgers Business School, graduating cum laude. During his time at Rutgers, he was a letterwinner at Tight End on the Scarlet Knights Football Team, a three-time Academic All-Big Ten honoree, and a 2021 Big Ten Distinguished Scholar. Outside of his professional role, Brandon enjoys golfing, spending time with family and friends, and staying connected to football. He is a lifelong resident of Somerset County and is involved in community organizations such as Athletes.org, Bridgewater-Raritan High School Football and Hall of Fame, and the Somerset County Business Partnership. His mission is to help clients create and preserve multigenerational wealth.

Brian Gallacher is a CFP®-designated financial advisor with nine years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at Northwestern Mutual from 2016 to 2022. Outside of his advisory work, he is involved in life and fixed annuities insurance sales and serves as a church clerk, providing administrative and financial support. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools to analyze client goals and provide written recommendations.

Grayson Librie is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2021 and previously held roles at Bank of America, Merrill, and Johnson & Johnson. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Lauren Caruso is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Bank of America and Merrill since 2022 and previously held roles at the University of Delaware and other organizations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Victor Montas is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career with New York Life in 2009 and joined Merrill Lynch in April 2015. Prior to entering financial services, Victor worked for ten years as a legal professional at Am Law 100 law firms in Washington DC and New York. In his current role, he specializes in serving growing and successful business owners, focusing on comprehensive wealth management strategies that address complex financial needs such as business growth, succession planning, and employee benefits. Victor’s approach is consultative, emphasizing thorough client engagement, periodic communication, and leveraging the investment insights of Merrill alongside the banking services of Bank of America. Victor earned both a Bachelor’s degree in History and Political Science and a Master’s degree in History from Rutgers University. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also registered through FINRA Series 7, 63, and 65, and holds licenses for Annuity, Life, and Health products. Victor is a native Spanish speaker and a member of Lambda Theta Phi Fraternity. Beyond his professional responsibilities, Victor is involved in his community through participation with St. Matthias School. He resides in Montgomery, New Jersey, with his wife and two children. Victor is an avid Rutgers football fan and enjoys baseball, basketball, football, reading, soccer, tennis, and spending time with his family.

Jordan Krantz is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as Citigroup Global Markets. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers comprehensive investment and planning services.

Michael Marchiano is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in baseball instruction through Centercourt Club & Sports and serves on the board of New Jersey Unity, a softball sports organization. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using advanced modeling tools and offers broad retail and institutional investment solutions.

June Scortino is a financial advisor with LPL Enterprise, holding a Series 66 designation and bringing 11 years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Invest Financial Corporation. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Loren Huether is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role, Huether worked at J.P. Morgan Securities and JPMorgan Chase Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models to support client financial plans and offers a broad range of retail and institutional investment solutions.

Dennis Collins Jr. is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.