Joselito Aquino is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, UBS Financial Services, and JPMorgan. Aquino is based in North Brunswick, NJ. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Margaret Mcclain is a Series 66-licensed financial advisor with Merrill, based in Bridgewater, NJ. She has 20 years of industry experience and has been with Merrill since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Alicia Columbro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously spent eight years at S&P Global Market Intelligence. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory services. The firm’s approach 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.

Michael Lupton is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment models and third-party managers.

Lama Elsabeh is a financial advisor with Wells Fargo Clearing in Clifton, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. She has worked with Wells Fargo affiliates since 2015, including Wells Fargo Bank, N.A., and WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, utilizing an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Figurski is a financial advisor with Ameriprise in Bedminster, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliates since 2014. Figurski serves on the Board of Directors for Medix Pro Clot LLC. Ameriprise offers a retirement-income planning service focused on clients with at least $1 million in net investable assets, providing tailored recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver these services through a centralized consulting team.

Rakesh Agrawal is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. In addition to his advisory role, he is a licensed real estate salesperson with LOVI Real Estate LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.

Shenghua Wang is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio management, third-party asset management arrangements, and access to a range of brokerage and insurance products via its integrated platform.

Laura Osifchin is a financial advisor with Merrill, holding a Series 66 credential and seven years of industry experience. She has been associated with Bank of America and Merrill since 2018. Outside of her advisory role, she has held fiduciary positions, including roles as a successor trustee and executor. 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 investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brendan Minter is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides clients with access to Merrill's investment resources and Bank of America's banking services to address various aspects of their financial lives. Brendan focuses on personal retirement planning, portfolio management services, tax minimization, and retirement income. With over 20 years of experience in the financial services industry since 1998, Brendan joined Merrill in 2004. He holds a Bachelor of Arts degree in Political Science from Providence College and a Master of Business Administration from Fordham University. Brendan also holds the Certified Plan Fiduciary Advisor® designation, as well as credentials as a Personal Investment Advisor and Retirement Benefits Consultant. Brendan follows a disciplined approach that emphasizes understanding each client’s financial situation and priorities. He lives in Chatham with his wife and two children. Outside of work, Brendan enjoys cooking, golfing, and spending time with his family.

Huiqing Gu is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of advisory work, she is active as a sales agent in insurance brokerage, specializing in individual and group life, health, dental, disability, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, annual planning engagements.

Raymond Rudorfer is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. before joining LPL Financial. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party research, and various investment strategies.

Matthew Boyd is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and has been with UBS since 2021. Prior to his finance career, he worked at Morris County Golf Club for seven years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary capital market assumptions and research to tailor investment strategies aligned with clients’ goals and risk tolerances.

Jack Lind is a financial advisor with Charles Schwab in Bridgewater, NJ, holding Series 63 and Series 66 designations and 25 years of industry experience. He has previously worked at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Lind has been with Charles Schwab and its affiliated entities since 2018. 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 multi-asset model portfolios and alternative investment options.

Irene Warner is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley & Co Incorporated for 12 years before joining Wells Fargo in 2021. Outside of her advisory work, Warner serves as treasurer for the Girl Scouts of Cranford and is a Reiki master and teacher. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jonathan Brosnan is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2000, currently operating out of Bridgewater, NJ. Prior to joining Bank of America, N.A. in 2026, he spent over two decades with Merrill Lynch. 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 and profit-sharing plans, corporations, and charitable organizations.

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 with Merrill Lynch Wealth Management. He has over thirty-five years of experience in the financial services industry, serving the needs of individuals, families, and businesses. His approach focuses on understanding each client's situation, establishing objectives, developing strategies, recommending solutions, and regularly reviewing and evaluating results. Peter's services encompass a wide range of financial solutions, including wealth management, college savings, retirement planning, and portfolio development. He integrates Merrill Lynch's investment and advisory capabilities and collaborates with specialists to provide estate planning, trust and insurance solutions, and liability management. Peter holds a bachelor's degree from The College of Insurance and resides with his family in Red Bank, New Jersey.

Monte Edwards is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at various Wells Fargo entities since 2009. Edwards is also involved in ME2 Family LLC, an investment-related business. 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 institutions. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and tools, with clients having flexibility in implementing those recommendations.