Nadezda Timokhova is a Financial Advisor at Merrill Lynch Wealth Management. She combines her background in investment research, company valuation, and capital markets analysis with her financial planning expertise to assist clients in making informed financial decisions. Nadezda works with individuals, families, and business owners to address a variety of financial priorities, including investing, retirement planning, and preparation for expected and unexpected life events. She places emphasis on understanding each client's goals, priorities, and financial situation in order to develop personalized strategies aligned with their objectives. Nadezda is committed to building long-term relationships and providing guidance as her clients' needs and circumstances evolve to help them pursue greater financial confidence over time. Nadezda holds a Doctorate Degree from the State University of Management and has earned professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). She is proficient in English and Russian.

Ryan O'Leary is a CFP® professional with 13 years of experience, all with Edward Jones since 2013. In addition to his advisory role, he owns and operates an Amazon retail business focused on selling products through the Amazon Sellers platform. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of financial advisors and branch offices nationwide.

Serena Otazu is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that employs structured discovery and firm-approved tools to inform client strategies.

Angella Dorsch is a financial advisor at Edward Jones with a Series 66 designation and 16 years of experience at the firm. She is based in Wayne, NJ. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a national network of financial advisors and branch offices.

David Laster is a CFA® charterholder and holds a Series 66 license with 13 years of industry experience. He has worked at Edward Jones since 2018 and previously was with Merrill from 2010 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, managing approximately $1.01 trillion in assets and supported by a nationwide network of more than 23,700 financial advisors.

Isaac Frankel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leverages more than 25 years of investment management experience, including roles as a fixed income portfolio manager for mutual funds, pension plans, endowments, insurance companies, and high-net-worth individuals. Since joining Merrill in 2011, Isaac has applied the Goals-Based Wealth Management process to create personalized financial plans tailored to each client's unique needs and goals. He collaborates closely with internal partners at Bank of America and Merrill to implement wealth-building and income-generating strategies. Isaac holds a bachelor's degree in engineering and computer science from Princeton University and an MBA in finance from the Wharton School at the University of Pennsylvania. He is a Certified Financial Planner (CFP) certificant and a Personal Investment Advisor (PIA). His professional affiliations include membership in the Estate Planning Council of Bergen County. Additionally, he has served as an adjunct instructor of Economics and Finance at Fairleigh Dickinson University and volunteered as an income tax preparer with The Food Bank of New York City's VITA program. Outside of his professional work, Isaac resides in Fort Lee, New Jersey, with family members living in Boston and New York City. His personal interests include music, reading, skiing, tennis, spending time with family, and watching movies.

Anthony Mccrimlisk is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds the Series 63 and Series 65 designations and has been with UBS since 2008. Based in Paramus, NJ, his career spans nearly two decades at the firm. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and a range of capital markets services.

Michael Stevens is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and eight years of industry experience. He previously worked at Trillium Management, LLC from 2015 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to client goals.

Carlos Gutierrez is a Financial Consultant currently working at Fidelity Investments. He has held various positions within Fidelity Investments since 2022, including Investment Consultant and Financial Consultant. Prior to his roles at Fidelity, Carlos served as an AVP Financial Advisor at Merrill Lynch from 2018 to 2022. Carlos specializes in simplifying the financial planning process by fostering clear communication and providing ongoing support. He strives to help clients feel educated, informed, and confident as they navigate their financial planning. Outside of his professional responsibilities, Carlos is interested in activities such as camping, cooking and baking, fitness, outdoor adventures, reading, and volunteering.

Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, 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, supporting various program structures and custodial relationships.

Douglas Fischer is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience, previously working at UBS Financial Services Inc. and US Bank. Before entering the financial industry, Fischer worked in education at Rutgers University and Morris Knolls. 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. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Danielle Furze is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, Furze serves on the finance committee of the Girl Scouts of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Ernesto Marques is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of advising, he is the owner of ARA Marketplace LLC, an e-commerce retail business. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Anthony Browne is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has worked at Merrill since 1998 and Bank of America since 2009. Outside of advising, he is an investor and general partner in a restaurant business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Louis Zaccaro is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. Prior to joining Osaic in 2024, he worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he owns and operates Zaccaro Wealth Management and Zaccaro Tax Planning, providing insurance products and tax preparation services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services using advanced asset-allocation tools, multiple investment platforms, and access to third-party managers to support both discretionary and non-discretionary portfolio management.

George Zaki is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to connect all aspects of their financial lives and help prioritize and pursue the goals that matter most to them. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. George's expertise encompasses a broad range of client focus areas including institutional and corporate benefit services, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. His advisory philosophy emphasizes working together with clients to uncover what matters most to them and their families and create strategies to pursue their financial goals. He holds a Bachelor's Degree from Ain Shams and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his personal time, George enjoys basketball, biking, fishing, music, photography, reading, running, soccer, swimming, and spending time with his family.

Robert Marrone is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. His career includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank. Outside his advisory work, he serves as Vice President of the Marlboro Dance Team Booster Club, assisting with fundraising and parent communications. 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 both model-based and discretionary investment strategies for a wide range of clients including individuals, pension plans, corporations, and charitable organizations.

Luciano Dela Cruz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Wells Fargo Advisors since 2011, including time at Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, utilizing proprietary research and planning tools to develop tailored client recommendations.

Eric Ramm is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining Charles Schwab in 2022, he spent 11 years at TD Ameritrade in various roles. 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Brian O'Connor is a financial advisor at Morgan Stanley with 35 years of industry experience. He has worked at Morgan Stanley and its affiliated private bank since 2017, and has prior experience with Bank of America and Merrill. O'Connor holds Series 63 and Series 65 designations. 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 processes and firm-approved tools.