Tyler Ramirez is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Merrill, Lynch, Pierce, Fenner & Smith Incorporated since 2019, including at Bank of America, N.A. since 2025. Prior to this, his experience includes roles outside the financial industry. 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.

Colby Stover is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and three years of industry experience. Prior to joining Cetera, Stover held positions at Foresters and worked in Management Information Solutions for nine years. He is also a licensed notary. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies and third-party managers.

Salvatore Restifo is a Series 65-licensed financial advisor with Cetera, where he has worked since 2005. He has 31 years of industry experience and is also a partner at Lanni Restifo LLC, a CPA firm he has been involved with since 1999. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports a range of investment strategies and custodial arrangements.

James Burns is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 38 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. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

Vincent Ragone is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Merrill from 2015 to 2021 before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Jason Lipp is a financial advisor with UBS Financial Services holding a Series 66 designation and 14 years of industry experience. He previously worked at Bank of America and Merrill before joining UBS in 2024. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Frank Zimbaro is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Royal Alliance since 2014. Outside of his advisory work, he serves on committees for nonprofit organizations including the Fresh Air Fund and Columbus Citizens Foundation. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party partnerships to construct and manage portfolios across various asset classes.

Neil Burke is a Series 66 licensed financial advisor with six years of industry experience, currently affiliated with LPL Enterprise. He previously worked at Prudential Insurance Company for 25 years. Burke is also involved in non-variable insurance activities through an affiliated insurance agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients by providing financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Pasquale Giannella is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at PNC Investments for 17 years and has been affiliated with Gladstone Wealth Partners. Giannella provides investment advisory services through Gladstone Institutional Advisory, an independent investment advisory firm he started in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management supported by in-house and third-party research.

Vincent De Paola Jr. is a financial advisor with Edward Jones, holding a Series 66 designation and 17 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory services. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Laurel Wilson is a financial advisor with LPL Financial, holding the Series 66 designation and bringing one year of industry experience. Prior to joining LPL Financial, she worked at Gaber & Associates LLC, Trustco Bank, and Key Bank. Outside of her advisory role, she is involved in tax preparation and accounting services and is a commissioned notary. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research from multiple sources, and a variety of investment strategies.

Joseph Scibetta is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working in financial services since 1997, dedicating his entire career to Bank of America and its predecessor firms. Joseph focuses on serving dentists, entrepreneurs, and multiple generations of families, assisting them in simplifying and managing various aspects of their financial lives. With over two decades of experience, Joseph specializes in areas such as family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He develops customized investment portfolios and works closely with clients to create personalized financial strategies tailored to their long-term goals. Joseph holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree in economics from New York University. Outside of his professional role, Joseph enjoys cooking, gardening, golfing, and spending time with his family. He is also engaged in community volunteering, reflecting the Merrill tradition of participating in the communities they serve.

Jonathan Dicent is a financial advisor at Wells Fargo Advisors with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including LPL Enterprise, TIAA-CREF, and Citigroup. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, using proprietary research and tools to develop tailored recommendations delivered through meetings and written reports.

Michael Lee is a financial advisor with Stifel in Ramsey, NJ, holding a Series 63 designation and 22 years of industry experience. He has been with Stifel since 2005. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment strategy methodology.

Mark Rosalimsky is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management with a career in financial services dating back to 1984. He collaborates with a team of specialists to provide comprehensive guidance on clients' financial affairs with a focus on personalized investment advice. Mark has extensive expertise in insurance, small business 401k, and pension plan design. He engages clients through a collaborative and educational process, emphasizing frequent communication and service standards. Mark earned a Bachelor of Arts in Economics from the State University of New York at Binghamton. He holds professional designations including Chartered Life Underwriter (CLU®), Certified Plan Fiduciary Advisor (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Based in Northern New Jersey, Mark is active in his community, having served on Boards and Committees of local schools and synagogues. He is a long-distance runner who has completed three marathons and has coached his children's youth sports teams.

Louis Rivera is a financial advisor with Primerica Advisors in Hartsdale, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1995 and has also worked at Atos since 2012. Outside of his advisory role, Rivera is involved in sales of investment-related products and receives additional compensation for referring home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Christopher Fields is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at MassMutual and Foresters Financial Corporation. In addition to his advisory role, he serves as president of Raymond Charles Capital, an S corporation, and is involved in outside insurance sales including life, long-term care, fixed annuities, and health products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s planning process uses firm-approved software and offers event-driven planning services such as estate settlement and divorce planning.

Gabriel Toledo is a CFP®-designated financial advisor with nine years of industry experience. He is currently with Charles Schwab in Paramus, NJ, where he has worked since 2022. His prior experience includes roles at Bank of America, Merrill, AXA Advisors, JP Morgan Chase & Co., and the University of Delaware. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Joyce Huggins is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 40 years of industry experience. She has been with 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Chad Brown is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, with prior roles at TD Ameritrade and Scottrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by research from the Schwab Center for Financial Research.