Michael Karlewicz is a Certified Financial Planner® with 10 years of industry experience. He has worked at UBS Financial Services since 2022 and previously held positions at Bank of America and Merrill from 2016 to 2022. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management and offers a range of services including fee-based financial planning, portfolio management, and access to proprietary research and capital markets solutions.

Deann Cavagnaro is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with UBS since 2016. Outside of her advisory role, she serves as Treasurer on the Ramapo Board of Education, overseeing financial records and reporting for the organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and investment solutions.

Corey Albright is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he held positions in various industries including automotive and retail. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manage funds.

Robin Ax is a financial advisor with UBS Financial Services in Paramus, NJ, holding 29 years of industry experience. She has been with UBS since 2006. Outside of her advisory work, she serves on the investment committee for the Sisters of Saint Dominic of Blauvelt, a religious organization focused on education and special education programs. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Lawrence Marciano III is a financial advisor with LPL Financial in Montville, NJ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at several firms, including Ameriprise Financial Services, Inc., Stifel, and Ryan Beck & Co. Marciano is also involved in tax preparation and accounting services through Prestige Family Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions, including financial planning, model portfolios, and third-party asset management, supported by extensive research and technology tools.

Colin Figueroa is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Woodbury Financial Services, Capital One Financial, and Morgan Stanley. Outside of his advisory role, he serves as First Vice President at Alpine Financial Planning LLC, which provides insurance planning services to clients. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and a range of managed account programs supported by advanced tools and third-party manager options.

Brendan Fitzpatrick is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Steward Partners Global Advisory LLC and has experience in various roles outside the financial industry. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines algorithmic automation with personalized reviews to deliver tailored retirement income advice.

Jack Van Itallie is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation. He joined Morgan Stanley in 2025 after completing ten years of full-time education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Mark Marotta is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and nonprofit organizations, offering financial planning, investment consulting, and institutional fiduciary services with a variety of portfolio management styles and affiliated research.

Eric Shell is a financial advisor with RBC Capital Markets in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ Advisory Risk Profiles.

Husan Iddin Abdul Ghani is a Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2012, he has brought over a decade of experience in the financial services industry, focusing on helping clients with financial strategies, asset allocation, and long-term investing to achieve their financial goals. Husan works closely with clients to develop personalized financial plans and serves as a financial quarterback, coordinating resources from Merrill Lynch and partnering with other trusted professionals to meet his clients' personal, business, and professional objectives. Husan's expertise includes corporate benefit programs such as equity compensation, defined benefit and contribution plans, and nonqualified deferred compensation plans. His client focus areas cover liquidity management, retirement planning, philanthropic and socially responsible investing, portfolio management, and strategies for small businesses, sports, and entertainment sectors. He is a 2008 graduate of Johnson C. Smith University with a B.A. in Communication Arts and holds the Personal Investment Advisor (PIA) designation. Husan is actively involved in his community through volunteering with organizations including the International Gathering at Beth Rapha church, Omega Psi Phi Fraternity Inc., the NAACP's AACTSO mentoring program, Junior Achievement, and local food banks and shelters. He is also a sports enthusiast with a background playing college football and follows teams such as the New York Giants, Knicks, and Yankees.

Michael Di Giaimo is a financial advisor with J.P. Morgan Securities in Montvale, NJ, holding Series 63 and Series 65 licenses and bringing five years of industry experience. His prior roles include positions at NYLIFE Securities LLC, New York Life Insurance Company, and Eagle Strategies LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process uses quantitative and qualitative research with a focus on eligible strategies and incorporates ESG considerations.

Linda Godfrey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients achieve financial freedom and peace of mind through personalized wealth management strategies. Her approach involves educating clients to understand their investments and structuring portfolios that support both accumulation during working years and income strategies in retirement. Linda specializes in areas including personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. She holds a Bachelor's Degree from Colgate University and professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in Merrill Lynch Women's Exchange as President of the Northern New Jersey Chapter and is a contributing member of Phi Beta Kappa. Her community involvement includes volunteer work with the Center for Food Action, Make-A-Wish (Walk for Wishes), Ramapo Bergen Animal Refuge as a foster family member, and participation in United Way's Tribute to Women in Industry program. Linda is also fluent in French and English, with personal interests that include cooking, dancing, football, gardening, hiking, scuba diving, tennis, traveling, and writing.

Richard Gaba is a financial advisor with Cetera, holding a Series 66 designation and 30 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Cetera Investment Advisers LLC is a nationally registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Adam Pena is a Financial Advisor at Merrill Lynch Wealth Management, where he works with individuals, families, and business owners to simplify wealth management. He focuses on understanding clients' goals, family priorities, business interests, and legacy objectives to develop personalized strategies. His expertise includes wealth growth and preservation, retirement planning, education funding, tax-efficient strategies, and legacy planning. Adam holds the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree in Economics from the State University of New York System at Binghamton. Adam resides in Westwood, NJ, and enjoys spending time with his family, as well as participating in adventure sports, football, golfing, hiking, music, photography, running, traveling, and watching movies. He is also committed to giving back to his faith and community.

Dinesh Mahtani is a financial advisor with Primerica Advisors, holding Series 63, 65, and 66 licenses and over 21 years of industry experience. He has been associated with Primerica Financial Services since 2000 and PFS Investments Inc. since 2013. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies developed by third-party asset managers and maintains approximately $15.5 billion in assets under management.

Deborah Richin is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 63 designation and bringing 27 years of industry experience. She has been with UBS since 2014. Outside of her advisory work, she serves as executor and administrator for multiple estates, working alongside attorneys and accountants to manage and distribute assets according to the respective wills. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

David Berntsen is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing 38 years of experience in the wealth management field. He specializes in family wealth management strategies, legacy planning, and portfolio management services. David works closely with clients to examine various financial documents and understand family dynamics to deliver tailored advice and guidance. Throughout his career, David has worked for an institutional bond broker and other prominent wealth management firms before joining Merrill in 2014 along with his team members. He holds a Bachelor's degree from Ramapo College and the Professional Investment Advisor (PIA) designation. A native of Allendale, New Jersey, David resides with his family in Chester, New York. His personal interests include sailing, biking, skiing, golf, and fly-fishing.

Pascal Murphy is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Murphy serves on the board of Bear Brook Village in Wood Ridge, NJ, in addition to managing his own financial advisory practice through GREP Holdings LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering tailored written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and provides a broad range of investment, brokerage, and insurance solutions.

John Diaz is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. His prior experience includes roles at Tommy Bahama and the YMCA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, with a focus on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.