Roderick Arias is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC and over two decades at Wachovia Bank, N.A. 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 advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Lauren Schneider is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to her financial services career, she was employed at Fox News Channel / Newscorp from 2008 to 2017 and had a brief role at Ninety Acres at Natirar in 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stacey Roman is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Advisors LLC, Wachovia Bank, N.A., Banc of America Investment Services, Quick & Reilly, and Morgan Stanley Dw Inc. Her career spans various roles in well-established financial institutions. 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 backed by research from Wells Fargo Investment Institute and third-party databases.

John Legband is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*Trade Securities, JPMorgan Chase Bank, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides planning services through Financial Advisors and its Estate Planning Strategies Group.

Ryan Conklin is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith, Incorporated from 2014 to 2020 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and modeling techniques.

James Elsman is a financial advisor with Wells Fargo Clearing in Mountain Lakes, NJ. He holds Series 63 and Series 65 licenses and has 40 years of industry experience. Prior to his current role, he worked at Wells Fargo Advisors LLC for seven years. He also serves as co-trustee for his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Gandolfo Taravella is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities since 2014, with a three-year tenure at Morgan Stanley in between. Outside of his advisory role, he manages several family-owned condo rental properties in New Jersey. J.P. Morgan Securities LLC 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 on a non-discretionary basis, combining institutional advisory operations with brokerage, distribution, and investment management capabilities.

Meredith D'Ovidio is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Her career includes multiple roles at Morgan Stanley since 2021 and prior work at Waterlily and Loyola University Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and advanced planning tools to develop tailored financial plans.

Joseph Falbo is a financial advisor with LPL Financial in New Providence, NJ, holding the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including prior roles at National Planning Corporation, Cetera, and Wells Fargo Clearing. Falbo is also an author with a venture called Falbo Education. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive resources and technology.

Richard Byank is a CFP® and ChFC® credentialed advisor with 21 years of industry experience. He currently works at Cetera and previously spent 19 years at Ameriprise Financial Services. He also has an active role as a Wealth Management Advisor with Wealthspring Financial Partners LLC, providing financial planning and portfolio management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Stephen Smoragiewicz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has more than 20 years of experience advising leading hedge funds and asset managers in the finance industry before focusing on wealth management for individuals and families. Based in Summit, New Jersey, Stephen works with clients who have achieved considerable success, providing customized and comprehensive financial strategies that include asset and liability management to help clients reach their financial goals. Stephen graduated from Providence College with a Bachelor's degree in Business Management and holds the designation of Personal Investment Advisor (PIA). He leverages his extensive background in capital markets to create differentiated wealth management experiences, assisting clients with areas such as retirement income, legacy planning, tax minimization, and family wealth management strategies. Outside of his professional work, Stephen is active in several community organizations including the Summit Soccer Club, Summit Youth Basketball, Summit Youth Lacrosse, and The Benevolent and Protective Order of Elks. He resides in Summit, NJ with his wife and three children.

Kristopher Taubald is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors. Outside of his advisory work, he serves as a vice president for Track Group Stats, assisting with membership processes in a volunteer capacity. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and a range of asset-management programs. The firm utilizes both proprietary and third-party advisory models, including services delivered by credentialed Investment Adviser Representatives and third-party asset managers.

Robyn Tumminia is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 24 years of industry experience. She previously spent 26 years at Merrill Lynch, Pierce, Fenner & Smith, Inc. There are no notable outside business activities reported. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations, offering financial planning, asset management, and educational seminars. The firm structures financial planning as annual, collaborative engagements using firm-approved software to analyze client goals and recommend investment strategies.

Paul Soranno is a financial advisor with Ameriprise in Kenvil, NJ, holding Series 63 and Series 65 licenses and six years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Bridgehampton National Bank. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm delivers its services through a centralized consulting team and integrates algorithmic tools alongside human review to tailor retirement income strategies.

Kristy Borst is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 licenses and has 21 years of industry experience. She has worked with Wells Fargo entities since 2007, including Wells Fargo Advisors LLC and Wachovia Bank, N.A. Borst serves as a trustee for her parents' investment trusts. Wells Fargo Advisors is a national securities firm with over 14,000 advisors, providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines proprietary research and third-party analytics to support its investment approach and offers both brokerage and advisory solutions.

Andrew Liss is a financial advisor with Merrill in Short Hills, NJ, holding Series 63 and Series 65 licenses and offering 44 years of industry experience. He has been with Merrill since 1982 and has also worked at Bank of America, N.A. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lucas Cervelli is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Morgan Stanley in 2022, he held various roles including work with Regal Consultants Corp. and positions with the Long Beach Island Beach Patrol. He is also the sole proprietor of EchoLine LLC, a technology consulting business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Lloyd Winkler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Winkler also works as an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Melissa Hertzberg is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she collaborates with individuals, families, and business owners to develop personalized financial plans and tailored investment portfolios aimed at achieving their specific goals. Melissa's approach focuses on delivering service, strategic guidance, and advice to help grow and protect client wealth. She graduated with Highest Honors from the College of Business and Economics at Lehigh University, an honor awarded to those ranking in the top 5% of their class. Melissa holds professional designations as a Certified Divorce Financial Analyst (CDFA) and a Personal Investment Advisor (PIA). Her areas of expertise include college education planning, corporate executive services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, and individual and corporate investment strategy. Beyond her client work, Melissa serves on the board of the Morristown Short Hills Market Women's Exchange, an employee network group focused on enhancing client service and supporting the careers of women through philanthropic and educational initiatives. She grew up in Somerset County, New Jersey, and currently resides in Hoboken. Melissa's personal interests include basketball, chess, cooking, dancing, skiing, spending time with her family, and watching movies.

Greg Bayvel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a qualified Portfolio Manager who provides traditional advice and guidance, as well as builds and manages personalized investment strategies for his clients. These strategies may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, and can be managed on a discretionary basis through the firm's Investment Advisory Program. Greg has been working in the financial services industry since 2005 and joined Merrill Lynch Wealth Management in 2012. He holds a Bachelor's degree with a double major in Economics and Management and Labor Relations from Rutgers University, awarded in 2004, and a Master of Business Administration from Rutgers Business School with a focus on Finance, completed in 2012. He holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Greg is an active community member involved with organizations such as Habitat for Humanity, St. Peter's Orphanage, Team in Training, and The Hoboken Shelter. He has completed over twenty marathons while raising money for charities including the Leukemia and Lymphoma Society and the ALS Association of NYC. Greg resides in Boonton Township, New Jersey, with his wife, Casey, and sons, Jack and Cameron.