Margaret Hill is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 20 years of industry experience. She previously worked at Bank of America, N.A. for nine years before joining Wells Fargo Advisors in 2018. Outside of her advisory role, she serves as power of attorney for her mother. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory recommendations with other financial products through a large network of financial advisors.

Deborah Durrant is a Financial Consultant at Fidelity Investments, a role she has held since 2021. She brings twenty years of industry experience to her position, focusing on creating comprehensive and personalized plans to help clients grow and protect their wealth. Prior to joining Fidelity, Deborah worked as an Investment Advisor at BlackRock from 2000 to 2019. Her professional background encompasses a broad range of expertise in financial consulting and investment advising. Outside of her professional work, Deborah's personal interests include boating, family activities, fitness, music, traveling, and volunteering.

Candice Epp is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Bank of America and Merrill since 2011. 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.

Daniel Monahan is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with various Morgan Stanley entities since 2008, including Morgan Stanley & Co. Incorporated and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market return models.

Pamela Pirone Benson is a financial advisor with Fidelity, holding a Series 66 designation and 11 years of industry experience. She has been associated with Fidelity Investments since 2013, including roles at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with an approach that combines proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its registration as a commodity pool operator and its use of algorithmic methods and AI in research.

Emily Fissel is a financial advisor with LPL Enterprise, holding CFP®, ChFC®, and Series 66 credentials and bringing 11 years of industry experience. She has worked at New Providence Financial, LLC since 2010 and was previously associated with Pruco Securities, LLC from 2010 to 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm provides financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products via an integrated platform.

Ryan Kozack is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and three years of industry experience. His previous roles include positions at Cantor Fitzgerald, Cannataro Family Capital Partners, and Novartis. 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.

Gary Motyczka is a financial advisor with LPL Financial in Basking Ridge, NJ, holding Series 65 and Series 63 licenses and bringing seven years of industry experience. His prior work includes roles at Affinity Federal Credit Union and Bandsaw Tire Warehouse. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, supported by proprietary and third-party research and technologies.

Carla Oliveira is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and 14 years of industry experience. She has been with Cetera and Cetera Investment Services LLC since 2019 and previously worked at Foresters Financial Services from 2015 to 2019. Outside of her advisory role, she is a 100% owner of rental property. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Crystal Jackson is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan since 2018, following prior roles at Morgan Stanley and Morgan Stanley & Co. Incorporated. Outside of finance, she has been involved with Peace de Resistance Fashions since 2011. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

Stephen Bonsall is a financial advisor at Fidelity with four years of industry experience. He holds Series 66 and Series 63 designations and previously worked at UBS and SMBC Nikko Securities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator, advisor to registered investment companies, and use of advanced technology including AI in its investment process.

Justin Martys is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Fernando Rivera is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has previously worked at Merrill and Deutsche Bank Wealth Management. Outside of his advisory role, he has worked as a warehouse machine operator at an Amazon fulfillment center. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes both non-discretionary and discretionary investment services, with a notable offering of insurance-related vehicles and bank deposit sweep options among its investment menus.

Iryna Grach is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 15 years of industry experience. She has been with Bank of America and Merrill since 2013. 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 a range of clients including individuals, high-net-worth clients, and institutions.

John O'Malley is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo and its affiliated entities since 2014. Outside of his advisory work, he acts as power of attorney for his mother. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and sports & entertainment planning.

Vincent Siracusa is a financial advisor with Wells Fargo Clearing in Woodcliff Lake, NJ, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Wachovia Bank, N.A. Outside of his advisory role, he is involved in managing rental properties. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Knetia Herrera is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 66 and Series 63 credentials. Her prior experience includes roles at JP Morgan Chase Bank, N.A., J.P. Morgan Securities, and Capital One Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Lori Gagliano is a financial advisor with Merrill in Summit, New Jersey, holding a Series 66 designation and over 43 years of industry experience. She has been with Merrill since 1983. Outside of her advisory role, she serves as a co-trustee of The McCue Family Trust. 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 a range of clients including individuals, high-net-worth investors, and organizations.

Gregory Larson is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise since 2015, including its affiliated entity Ameriprise Financial Services, Inc. Prior firm history beyond Ameriprise is not noted. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Josef Stark is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with a range of model portfolios and research.