David Stuto is a financial advisor at Merrill with 28 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, previously spending nearly a decade at Morgan Stanley Smith Barney and Morgan Stanley & Co Inc. 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.

Andrew Riviello is a CFP® with 8 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. Prior to this, he worked at Securities America Advisors, Inc. and MassMutual, among other firms. He also holds a role as an insurance agent in addition to his advisory work. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization using risk assessments and a variety of managed account options.

Harpartap Boyal is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works directly with clients to define their financial goals and develop portfolio strategies tailored to help them achieve these objectives. He provides ongoing advice and adjusts portfolios as clients' situations evolve. Harpartap holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. His approach focuses on managing the complexities involved in financial planning, including aspects such as retirement, college funding, eldercare, and healthcare needs.

Nina Zelaya is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked within various Wells Fargo entities since 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce. The firm combines advisory services with other financial products and referral channels to provide tailored recommendations supported by Wells Fargo research and planning tools.

Michael Fischer is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 25 years of industry experience. He has worked at LPL Financial since 2017 and previously spent five years with National Planning Corporation. In addition to his advisory roles, Fischer has served as a firefighter with the New York City Fire Department since 2003 and operates a sole proprietorship managing ATM machines. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Kaden Pickering is a financial advisor at Mass Mutual Investors Services with two years of industry experience and holds a Series 66 designation. He has been with Mass Mutual Investors Services since 2024 and also serves as a volunteer assistant hockey coach for Millburn High School. Additionally, he is involved with Hockey Players in Business, a networking group focused on raising money for charity. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved software to analyze client goals.

Brandon Heroux is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been with JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. Their advisory program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Kannan Jayaram is a financial advisor at Equitable Advisors with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he works as a ski and snowboard instructor at Vail Ski and Snowboard School in Colorado. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, institutional, and nonprofit clients. The firm offers a variety of advisory programs and works with third-party asset managers to deliver customized investment solutions.

Stephen Frazer is a financial advisor with LPL Financial in Somerville, NJ, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has previously worked with Triad Advisors, GWN Securities, and IC Advisory Services. Frazer also sells Term and Universal Life insurance as a part-time agent. 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 portfolio programs, third-party asset management, and institutional platforms.

Jennifer Lockett is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and having 28 years of industry experience. She has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor portfolio strategies. The firm combines institutional trading capabilities with wealth management and offers additional services such as fiduciary financial planning, underwriting, and securities-backed lending.

Jackson Munoz is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. Merrill, alongside 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 and profit-sharing plans, corporations, and charitable organizations.

John Spatola is a financial advisor at OSAIC with 19 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Royal Alliance, Santander Securities, J.P. Morgan Securities, and Morgan Stanley, among others. Outside of his advisory work, he is co-owner of P&P Temporaries Inc., a temporary employment agency, and owner of Stitch and Ink LLC, a printing business. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and multiple program options, distinguishing itself by scale and a complex affiliate network.

Robert Coon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, Merrill, and Wachovia Bank. Outside of his advisory work, he is also active as an artist and musician. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm typically employs model-driven investment strategies and offers financial planning, access to third-party asset managers, and a wrap program, alongside affiliated trust, insurance, and lending services.

Michael Hughes is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2004, including its predecessor, Axa Advisors, LLC, where he worked from 2004 to 2020. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs, delivering advice through a network of Investment Adviser Representatives using both proprietary and third-party investment solutions.

Georgios Pefanis is a financial advisor at J.P. Morgan Securities with a Series 66 credential. He has recently begun his career in the industry and has experience working with Bayonne Golf Club, JPMorgan Chase Bank, and Baruch College. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates ESG criteria, supporting client decision-making through a centralized due diligence framework.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. Charles Schwab & Co., Inc. 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 advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Aradhana Dhakal is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. She previously worked at Goldman Sachs Group, Inc. for two years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm's advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and incorporates ESG considerations in its recommendations.

Emilia Gale is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in financial and wealth management services to families and business owners. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Divorce Financial Analyst (CDFA), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Emilia focuses her expertise on areas such as college education planning, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Emilia holds a Bachelor of Arts degree in Economics from Drew University and is a member of the Drew Alumni Association. She is fluent in English, Portuguese, and Spanish, and conversant in French. Emilia is actively involved in community organizations including the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She also participates in the Portuguese Community and the East Side High School Alumni Association. Emilia resides in Westfield, New Jersey.

Thomas Smedley is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in property rental in Manville, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.