Jackson Munoz is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with Bank of America’s broader platform, providing access to a wide range of financial products and services.

John Spatola is a financial advisor with OSAIC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Royal Alliance, Santander Securities, Raymond James Financial Services, and others. Outside of advising, he co-owns a temporary employment business and a printing company. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diversified portfolios, with services available on both discretionary and non-discretionary bases.

Robert Coon is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 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 advising, he is also active as an artist and musician. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services utilizing model portfolios, third-party asset management programs, and a range of financial products through its integrated platform.

Michael Hughes is a Series 66-licensed financial advisor with Equitable Advisors in Demarest, NJ, where he has worked since 2004. He has 21 years of industry experience, including time at Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering 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 with both advisory and brokerage channels to deliver tailored client solutions.

Georgios Pefanis is a financial advisor at J.P. Morgan Securities with Series 66 registration and one year of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, TG Administration LLC, Bayonne Golf Club, Richmond Ave Gardens Inc., and Baruch College. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility 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 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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.

Emilia Gale is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing financial and wealth management advice since 1994. She has over 30 years of experience working with families and business owners in areas such as retirement planning, college education planning, tax minimization, and socially responsible investing. Emilia 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). She is fluent in English, Portuguese, and Spanish, and is conversant in French. Emilia earned her Bachelor of Arts degree in Economics from Drew University and is an active member of the Drew Alumni Association. Beyond her professional work, Emilia is involved in community organizations such as the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She lives in Westfield with her husband, and they enjoy gardening, outdoor activities, attending sporting events, and the theatre.

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.

Frank Howard Jr. is a financial advisor with Charles Schwab in Millburn, NJ, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes roles at Fidelity Personal and Workplace Advisors and AXA Advisors, LLC. Outside of his advisory work, he is involved in managing rental properties. 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, offering both non-discretionary and discretionary investment solutions with integrated custody and brokerage support.

Gerard Rabadeau is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is co-owner of Rabadeau Wealth Group, a support company based in Westfield, NJ. Raymond James Financial Services Advisors, Inc. serves a diverse client base that includes individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, leveraging asset-allocation analysis and firm research to tailor recommendations, often serving in an advisory and implementation-support capacity rather than as a delegated manager.

Daniel Ramer is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory work, he serves as treasurer for the Jewish Family Service of Central New Jersey, where he oversees the finance committee and collaborates on budgeting and financial planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services alongside fiduciary financial planning.

Brent Freda is a financial advisor at Merrill with Series 63 and Series 65 credentials. He has worked in the financial industry since 2015, including roles at Xactus, Fulton Bank, and currently at Bank of America and Merrill. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients, including individuals, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader corporate platform, providing access to various products and services beyond traditional investment management.

Todd Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been focusing on asset management for individuals, families, and retirement planning for business owners since 2017. He leads the Sentinel Team at the Summit, NJ branch, alongside his business partner and support staff. The team has been recognized on the Forbes "Best-in-State Wealth Management Teams" list for 2023, 2024, and 2025. Mr. Gordon has over 26 years of experience in the financial industry. He began his career as a fixed income specialist at Gibraltar Securities, which became RBC Dain Rauscher. He has also held positions as Vice President in the Private Client Group at Bear Stearns and Senior Vice President at Morgan Stanley prior to joining Merrill Lynch. His areas of expertise include college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He earned his bachelor's degree from Syracuse University and holds FINRA series 7, 63, and 65 registrations, life insurance licenses, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mr. Gordon resides in Short Hills, NJ with his wife and two children. His personal interests include cooking, golfing, hiking, and running.

Jack Riley is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, he co-owns a beach home in Rehoboth Beach, Delaware. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations with research from its Chief Investment Office and Global Research teams to tailor client plans. The firm provides a range of services including portfolio management, financial planning, and capital markets activities, operating as both an investment adviser and broker-dealer.

Alan Jacobson is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he is involved in managing a seasonal weekly rental property in Holgate, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

William Huntley is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has previously worked in various roles, including positions at Merri Makers Caterers, Barrel and Roost, Lafayette College, ShopRite, Trump National Golf Course, and Christian Brothers Academy. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

John Digamon is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and possessing 17 years of industry experience. His prior experience includes roles at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade Inc. He is currently based in Millburn, NJ. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by research and due diligence on alternative investments.

Wilson Munoz is a Series 66 credentialed financial advisor with 14 years of industry experience. He has worked at OSAIC since 2024 and previously spent seven years with Securities America Advisors and Securities America Inc., as well as 11 years with Guardian Life Insurance Company. Outside of his advisory role, Munoz manages a youth soccer training and event organization and owns an insurance agency that provides various support services. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a range of brokerage and advisory services using proprietary asset-allocation tools and supports both discretionary and non-discretionary portfolio management.