Scott Lowder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Merrill and Bank of America and is a founding partner of Harvest Wealth, where he provides financial advice to corporate executives, retirees, and families. Additionally, he is an insurance agent selling life, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Joseph Nelligan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as a financial quarterback for his clients, employing a comprehensive approach to wealth management that starts with attentive listening to understand each client's unique goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Joseph integrates various aspects of his clients' financial lives to provide tailored strategies. Joseph's expertise encompasses college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Drexel University. Committed to community involvement, Joseph follows Merrill's tradition of participating in the communities served and volunteers with the Delaware Valley Alzheimer's Association. Outside of his professional life, he enjoys golfing, music, spending time with his family, and traveling.

Soojan Shao is a financial advisor with Cetera, holding a Series 66 registration and 20 years of industry experience. Prior to joining Cetera in 2025, Shao worked at Avantax in various roles from 2014 to 2025. In addition to advisory work, Shao operates a seasonal tax preparation practice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment program structures.

George Cuevas II is a financial advisor with Raymond James Financial Services Advisors in Basking Ridge, NJ, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. His prior experience includes ten years at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Inc. He is also the CEO of Maverick Wealth Advisors LLC, an entity established for tax and bookkeeping purposes. Raymond James Financial Services Advisors serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations while maintaining client decision authority.

Rebecca Hayevy is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2016. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader corporate platform, providing access to a wide set of investment products and services.

Scott Harvey Sr. is a financial advisor with LPL Enterprise, holding the Series 63, Series 65, and Series 66 designations and over 31 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Theia Analytics Group. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that also includes brokerage and insurance products.

Richard Morrow is a financial advisor with LPL Financial in Scotch Plains, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2020. Outside of advisory work, he is an insurance agent specializing in fixed life and fixed annuities and is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Kathleen Maloney is a Wealth Management Advisor at Merrill Lynch Wealth Management in Short Hills. She has been with Merrill since 1999 and has over 25 years of experience in finance. Prior to joining Merrill, she worked for nine years at Summit Bank Corp. Kathleen collaborates with clients to clarify their current situation, risk parameters, objectives, and life goals in order to develop and implement personalized financial strategies. She holds a Bachelor of Arts in Political Science with a concentration in Business from Rutgers University. Kathleen has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her client focus areas include divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Outside of her professional role, Kathleen enjoys activities such as biking, gardening, golfing, reading, tennis, and traveling. She is involved in her community, particularly with The Jersey Shore Rescue Mission, which supports homeless and less fortunate individuals in Monmouth County. Kathleen is also a member of professional organizations including USSWGA, GSWGA, and WNJGA.

George Goodfriend is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Evercore and American Corporate Partners. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment process.

Yin Long is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and with 33 years of industry experience. He has been with MML Investors Services since 1998 and with Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory work, Long serves as a board member of the New Jersey Chinese American Chamber of Commerce and is a trustee for both the New Jersey Symphony and Classically Connected, Inc. He is also involved in consulting for Wycentaur Tea LLC and co-founded Miao Consulting LLC. Mass Mutual 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, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools to inform investment strategy recommendations.

Elizabeth Novak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has worked within various Wells Fargo entities since 2013, including Wells Fargo Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, combining research and analytics with a broad range of brokerage and advisory solutions.

Richard Albanese is a CFP®-certified financial advisor with Edward Jones in Branchburg, NJ, where he has worked since 2015. He holds the Series 65 and Series 66 licenses and has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Justin Gallagher is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has six years of industry experience and has previously worked with firms including Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Outside of his advisory roles, he is involved with Prudential-sponsored non-variable insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. Its platform integrates advisory services with sales of financial products and provides access to model portfolios, third-party asset management, and insurance products.

Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

W Doxey Jr. is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2008 and Bank of America, N.A. since 2017. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

John Murphy is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and has been with Wells Fargo Bank, N.A. since 2002. Outside of his advisory role, he performs musical entertainment at local events through his own business, John Murphy Musical Entertainment. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eric Collier is a financial advisor with Cetera, holding Series 63 and Series 65 credentials. He has been with Cetera and its affiliates since 2025, following a brief tenure at KPMG. His professional experience in the industry is just beginning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing upwards of $256 billion in assets.

Eric Hayes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and eight years of industry experience. He previously worked at Sanford C Bernstein & Co LLC, Lifetime Wealth Alliance LLC, and Mill Creek Capital Advisors LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a broad array of investment products and strategies.

Joshwin Clervoix is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc., where he has been employed since 2019, as well as earlier positions at Wells Fargo Advisors and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and based on modern portfolio theory, incorporating a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Merrill in two separate periods totaling five years, as well as Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank NA, and PNC Bank. Outside of his advisory role, he serves as a Range Safety Officer at a gun range in Randolph, NJ. 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 individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.