Michael Rodriguez is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A., among other firms. 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 individuals, high-net-worth clients, and institutional investors.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked with Wells Fargo Financial Network LLC since 2009. Outside of his advisory role, he is a principal in JB Group LLC, where he dedicates significant time managing that business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with multiple financial product offerings.

William Fence is a financial advisor with LPL Financial, holding a Series 66 designation and 35 years of industry experience. His prior roles include long tenures at American Portfolios Financial Services, Inc. and K & R Tax And Financial Service. Outside of advisory work, he operates Fence Financial Tax Services LLC, providing tax preparation and accounting services, and is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services supported by model portfolios and research from LPL Research and third-party providers.

Jesteffer Annichiarico is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Walmart Inc. since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Joann Charney is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. She has been with Bank of America and Merrill since 2006. 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 developed by internal teams and third-party managers.

Yonathan Youshei is a financial advisor at Morgan Stanley in Toms River, NJ, holding a Series 66 designation with less than one year of industry experience. His prior roles include positions at the Torah Academy of Boston, Johns Hopkins Business School, and Metropolitan Commercial Bank. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Paul Costadina is a financial advisor at LPL Financial with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Grove Point Advisor, LLC and Grove Point Investments, LLC. Costadina also has a longstanding role at Two River Mortgage & Investment, Inc., a mortgage and real estate services business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and technology-driven investment solutions.

Helen Eglentowicz is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2014. 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, and institutional investors.

Thomas Chiaravalloti is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 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 investment advice with an IPS-driven approach grounded in modern portfolio theory. The firm’s offerings include a range of investment options such as money market funds, collective investment trusts, mutual funds, group annuity contracts, and insurance-related vehicles.

Julian Gessa is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2013. Outside of his advisory role, he is a co-owner of a pet grooming business in Brick, New Jersey, where he assists on weekends. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its offerings.

George Masefield is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 66 credentials. He has 21 years of industry experience, having worked at Equitable Advisors since 2005 and previously at Axa Advisors. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth individuals, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Michael Difiore is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2011. 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 investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ryan Roth is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Patriot Financial and Gambit Tax Planning. Prior to his advisory career, Roth served for over two decades at the Berkeley Township Police Department. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Steven Higley is a financial advisor with Equitable Advisors in Point Pleasant Beach, NJ, holding a Series 66 designation and 29 years of industry experience. He has been with Equitable Advisors and its predecessor Axa Advisors since 1999. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a variety of third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Matthew Speedy is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked at AXA Advisors, LLC. He also operates under the DBA Private Wealth Strategies Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Samuel Marco Gugliemini is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Richard Rivere is a CFP® with 18 years of industry experience, currently serving at J.P. Morgan Securities. He has been with J.P. Morgan Securities LLC since 2013 and was involved with the Manalapan Soccer Club from 2017 to 2022. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Carmen Memoli is a financial advisor at Cetera with 16 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Avantax Advisory Services and her own accounting firm, Memoli & Company P.C. Memoli is active in her community through multiple treasurer and board member roles in local school districts, political organizations, and public authorities. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing advisors with access to affiliated and third-party investment strategies across various program structures.

Jason Abramowitz is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, N.A. and Merrill. Prior to his career in finance, he spent 15 years at Verizon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions to support a wide range of client needs.

Dylan Koenig is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. His prior roles include positions at Thrivent Investment Management, Bank of America, and Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm’s approach combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs managed through systematic methodologies and long-term asset allocation benchmarks.