Candice Epp is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Bank of America, Merrill, and Wells Fargo Clearing. 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. The firm offers model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Monahan is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with various Morgan Stanley entities since 2008, including Morgan Stanley & Co. Incorporated and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market return models.

Pamela Pirone Benson is a financial advisor at Fidelity with 12 years of industry experience. She holds a Series 66 designation and has been with Fidelity since 2013, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, employing systematic methodologies and long-term asset allocation benchmarks.

Emily Fissel is a financial advisor with LPL Enterprise holding the CFP® and ChFC® designations and has 12 years of industry experience. She has been associated with New Providence Financial, LLC since 2010 and worked at Pruco Securities, LLC from 2010 to 2024. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs, while also providing insurance and trustee services through affiliated entities.

Ryan Kozack is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and three years of industry experience. His career includes roles at JPMorgan Chase Bank, Cantor Fitzgerald, Novartis, and academic involvement at Fordham University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Gary Motyczka is a financial advisor with LPL Financial in Basking Ridge, NJ, holding Series 63 and Series 65 licenses and with seven years of industry experience. He has worked with LPL Financial since 2018 and has prior experience at Affinity Federal Credit Union and Bandsaw Tire Warehouse. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Carla Oliveira is a financial advisor at Cetera with 14 years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at Foresters Financial Services from 2015 to 2019. Outside of her advisory role, she is a 100% owner of a rental property. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, featuring a multi-manager platform with access to affiliated and third-party managers, supporting various investment strategies and account structures.

Crystal Jackson is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley and TD Ameritrade. Outside of finance, she has been involved with Peace de Resistance Fashions for over a decade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research with forward-looking capital market assumptions and may include an ESG eligibility framework.

Stephen Bonsall is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at UBS and SMBC Nikko Securities before joining Fidelity in 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, including multi-manager funds and model portfolios.

Justin Martys is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Iryna Grach is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 15 years of industry experience. She has been with 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

John O'Malley is a Series 66–licensed financial advisor at Wells Fargo Advisors with 12 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Advisors since 2016. Outside of his advisory role, he serves as the power of attorney for his mother. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and integrating advisory services with other financial products and referral channels.

Vincent Siracusa is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo since 2016, following prior work at Wachovia Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.

Knetia Herrera is a financial advisor at Morgan Stanley in Short Hills, NJ, holding Series 66 and Series 63 licenses with eight years of industry experience. Her background includes multiple roles within Morgan Stanley and its Private Bank, as well as positions at JP Morgan Chase Bank and Capital One Bank. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a broad range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and modeling tools to guide clients, who are responsible for implementing and updating their plans.

Lori Gagliano is a financial advisor with Merrill in Summit, New Jersey, holding a Series 66 designation and over 43 years of industry experience. She has been with Merrill since 1983. Outside of her advisory role, she serves as a co-trustee of The McCue Family Trust. 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 organizations.

Gregory Larson is a financial advisor at Ameriprise with 24 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides personalized retirement income planning through detailed recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Josef Stark is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He previously worked at Wells Fargo Clearing for seven years and Merrill for five years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a large network of over 22,800 advisors and managing more than $819 billion in discretionary assets.

James Galipean is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has been with Equitable Advisors since 2026. Outside of his advisory role, he has experience as a caregiver and has worked in education at Kean University and Middlesex County College, as well as in the food service industry with Magliones Italian Ice. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes various program models and third-party asset managers, offering a range of investment options including mutual funds, ETFs, and alternative investments.

Anthony De Angelo is a financial advisor with Ameriprise in Cranford, NJ, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He previously worked at Equitable Advisors and Axa Advisors, LLC. Outside of his advisory work, he is co-founder of Teddy Atlas Coaching, a personal development and business coaching company where he manages content, sales, and project teams. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Mary Garcia is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2017. Prior to that, she was with Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated from 2008 to 2017. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.