Richard Miskewitz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with LPL Financial since 2006 and has been affiliated with Heritage Investment Partners, LLP since 2008. Outside of his advisory roles, he is involved in the sale of long-term care, universal and term life insurance, as well as fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including access to model portfolios, third-party subadvisors, and advanced portfolio management technologies.

David Roberts is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 18 years of industry experience. He has been with JPMorgan Chase Bank and its affiliates since 2013. In addition to his advisory role, he is also an employee of JPMorgan Bank, where he offers deposit and credit products. J.P. Morgan Securities LLC provides institutional consulting services primarily to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through its network of Wealth Advisors, combining large institutional advisory operations with brokerage and investment management capabilities.

Kevin Lange is a financial advisor with Merrill in Iselin, NJ, holding Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at Bank of America, Charles Schwab, and Fidelity Investments. 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 institutional investors.

Robert Lobel is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he provides financial planning and investment advisory services to clients, leveraging his expertise as a Personal Investment Advisor (PIA). He holds a Bachelor's Degree from Muhlenberg College. Robert applies his education and professional designation to assist clients in managing their financial portfolios and achieving their investment goals.

Martin Mercurio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 17 years of industry experience. He has worked at LPL Financial since 2017 and has been associated with National Planning Corporation since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Meredith Doty is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank since 2019. Prior to that, she was employed at Prudential Advisors and Loyola University Maryland. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program.

Steven Danieli is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to support investment analysis and asset allocation guidance.

Matthew Goggin is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, his work history includes roles in automotive and ecommerce businesses. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management, operating an integrated platform that combines advisory programs with insurance products and lending services.

Jason Natale is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at M&T Securities, Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Ciro Lipariti is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 19 years of industry experience. His career includes roles at Charles Schwab Bank SSB, Charles Schwab and Co., Inc., TD Ameritrade, and Scottrade. Charles Schwab & Co., Inc. serves a large client base of 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 both non-discretionary and discretionary investment options, employing multi-asset model portfolios with strategic allocation and research-supported alternative investments.

Michelle Bada is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 29 years of industry experience. She has been with Merrill since 1998. Outside of her advisory work, she is listed as a part owner of a family restaurant in Wildwood Crest, New Jersey. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Polina Novozhilova is a CFP®-designated financial advisor at Charles Schwab with two years of industry experience. She has been affiliated with Charles Schwab and Charles Schwab Bank since 2023. Charles Schwab 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, offering a blend of non-discretionary and discretionary investment management supported by a multi-asset model portfolio approach.

Sean Murray is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2009. He began his career at Fidelity as a Financial Representative, progressing through roles including Investment Representative and Financial Consultant before his current position. Prior to joining Fidelity, he worked as a Financial Analyst at Coventry from 2006 to 2009. Sean works with individuals and their families to assist them in making important financial decisions. His focus areas include retirement and investment planning, with an emphasis on helping clients invest wisely to meet their future needs and goals.

Rachel Goodman is a financial advisor at Equitable Advisors with one year of industry experience. She holds the Series 66 designation. Outside of her advisory role, she is involved with 5 Star Appraisals, a real estate firm where she performs data entry tasks. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm operates a hybrid referral and implementation model, leveraging external asset managers and providing both advisory and brokerage channels.

Stephen Luthmann is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and previously worked at J.P. Morgan Securities LLC for nine years. Outside of his advisory role, he has a 50% ownership interest in Legacy 7 Holdings LLC, a holding company for an Amazon FBA e-commerce startup. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brent Mccollin is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 65, Series 63, and Series 66 designations. Prior to joining LPL Enterprise, he worked for New Jersey Transit for 13 years and is also involved with ESS Education Management & Staffing Solution. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, access to model portfolios, and brokerage and insurance products through an integrated platform supported by a network of investment adviser representatives.

Richard Taylor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He previously worked for JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for 13 years. Outside of his advisory role, he co-owns a family rental property. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christina Caban is a financial advisor at Morgan Stanley in Morristown, NJ, with nine years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Santander Securities, LLC and Santander Bank, NA for six years. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and a range of investment offerings.

Thomas Boyd is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Stifel for 11 years before joining Wells Fargo in 2018. Outside of his advisory role, he serves as a basketball referee in New Providence, NJ. 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 approach is grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Justin Landolfe is a Wealth Management Advisor with The LE Group at Merrill Lynch Wealth Management. He joined Merrill in January 2023 and supports clients by developing customized multi-generational wealth management strategies. His approach encompasses portfolio strategies, income and cash flow management, education funding, retirement income planning, estate planning services, and guidance for executives with concentrated stock positions. Before joining The LE Group, Justin accumulated 13 years of experience in the financial services industry. He served as an investment analyst for a hedge fund, where he focused on Collateralized Loan Obligations, conducting financial performance and capital structure analysis to inform investment decisions. He also worked as a Certified Public Accountant for two years at a leading accounting firm. Justin holds a Bachelor's degree in Finance and Accounting from Pace University and earned his CERTIFIED FINANCIAL PLANNER® certification in 2022. He holds FINRA Series 7, 63, and 65 registrations. He resides in Madison, New Jersey with his wife and two sons, and is involved in the Madison Rotary Club. His personal interests include adventure sports, baseball, basketball, cooking, football, golfing, music, skiing, spending time with his family, and watching movies.