Thomas Salierno is a financial advisor with UBS Financial Services in Chatham, NJ, holding Series 63 and Series 66 licenses and bringing 44 years of industry experience. He has been with UBS Financial Services since 2005. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Peter Ryan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 35 years of experience in the financial services industry, serving the financial needs of individuals, families, and businesses. His client strategy involves understanding each client's unique situation, establishing objectives, developing strategies, recommending solutions, and regularly reviewing progress. His areas of focus include wealth management, college savings, retirement planning, and portfolio development. Peter also collaborates with specialists to provide additional services such as estate planning, trust and insurance solutions, and liability management. Peter holds a Bachelor's Degree from The College of Insurance. He resides with his family in Red Bank, NJ.

Monte Edwards is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Wells Fargo Clearing and Prudential Equity Group. Outside of his advisory role, Edwards owns and operates ME2 Family LLC. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning options, including specialized services such as business-owner transition and special-needs analysis, supported by Wells Fargo research and tools.

Anthony Ruscetta is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. His prior work experience includes roles at Hobart and William Smith Colleges and other diverse positions outside the financial industry. 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, pension plans, corporations, and charitable organizations.

Soumit Sarkar is a CFA® charterholder with 16 years of industry experience. He currently serves as a financial advisor with Cambridge Investment Research Advisors and has previously worked at firms including The Investment Center Inc, Center Street Securities, and HSBC Securities (USA) Inc. Outside of his advisory role, he owns several businesses involved in consulting, life settlements, and acts as an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers along with proprietary model strategies.

Kaylee Guerra is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Financial Advisor at Merrill Lynch from 2017 to 2024. In her current position, she collaborates with clients to develop customized financial plans tailored to their unique family needs, focusing on strategy identification and ongoing communication. Kaylee holds a California Insurance License, supporting her ability to advise clients on insurance-related financial matters. Outside of her professional work, she has interests in board games, comedy, family activities, football, pets, and softball.

Justin Skarbnik is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 22 years of industry experience. He previously worked at Citigroup Global Markets and Morgan Stanley Dw Inc. 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 both brokerage and advisory solutions.

Richard Schwartz is a financial advisor at Morgan Stanley with 45 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Merrill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory services.

Daniel Coughlin is a financial advisor at Wells Fargo Advisors with 40 years of industry experience. He previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He holds a Series 63 designation and operates Daniel Coughlin LLC as an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions by providing investment and fee-based financial planning services, offering a wide range of planning options and tailored recommendations supported by Wells Fargo research and tools.

Michael Wallace Jr. is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and bringing 42 years of industry experience. He previously worked at First Advisory Corporation and WS Griffith Securities, Inc. Outside of advisory work, he is involved in selling fixed annuities and group insurance. 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 financial planning and investment management services, including access to model portfolios and third-party asset managers, supported by extensive operational and research tools.

Brett Locker is a financial advisor with LPL Financial based in Warren, NJ. He holds the Series 66 designation and has one year of industry experience. Outside of his advisory role, he is involved with Herc Rentals Inc and coaches sports and fitness activities through Trilax Inc. 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 management services through a large network of advisors utilizing model portfolios, third-party subadvisors, and customizable strategies.

Peter Berzins is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. In addition to his advisory role, Berzins serves on an advisory committee for the Bass Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services across a broad platform.

Viktor Misko is currently serving as Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2025. He has been associated with Fidelity Investments in various capacities since 2010, including Vice President Wealth Planner and Investor Center Financial Consultant, reflecting a continuous professional commitment within the firm. Prior to joining Fidelity, Viktor worked as a Financial Advisor at Merrill Lynch and Morgan Stanley. Throughout his career, Viktor has focused on helping clients simplify their financial lives, aiming to empower them towards financial independence through trusted guidance. His team's mission emphasizes supporting clients in managing their financial affairs so they can concentrate on what matters most to them and their families. He seeks to be a key resource for all aspects related to his clients' financial needs. Outside of his professional responsibilities, Viktor has an interest in family activities, fitness, football, pets, reading, and soccer.

Karen Joyner is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill and UBS Financial Services over her career. She serves as treasurer of the Oak Hills Association, a homeowners' association in Metuchen, NJ. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Griener is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and over 26 years of industry experience. His career includes roles at Fidelity, Transamerica Financial Advisors, World Financial Group, and Celadon Financial Group, as well as a period of self-employment. He is associated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

James Reilly is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. His prior experience includes a position at Prudential Equity Group, LLC. He also serves as a trustee for several clients and family members, dedicating limited time monthly to these roles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.