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.

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.

Jeffrey Klein is a Certified Financial Planner (CFP®) with 25 years of experience in the financial services industry. He has worked at Mass Mutual Investors Services since 2017 and previously spent 12 years with METLIFE Securities Inc. In addition to his advisory role, he engages in outside insurance sales focusing on individual and group life and health insurance products, fixed annuities, long-term care, and disability income. MassMutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including asset management, wrap and money-manager services, and educational seminars.

Dennis Lavin is a financial advisor with Cetera, holding a Series 63 designation and over 27 years of industry experience. He has been with Cetera since 2006 and also operates Lavin & Associates, a tax and accounting services firm serving clients in the New York tri-state area, where he is a partner and CPA. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and reported over $256 billion in assets under management across more than 10,000 advisors.

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 affiliated with Merrill Lynch Wealth Management. In his role, he focuses on connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. He has expertise in 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. George utilizes Merrill's investment insights alongside Bank of America's banking and lending capabilities to create comprehensive and flexible wealth management strategies. George holds a Bachelor's Degree from Ain Shams and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys basketball, biking, fishing, music, photography, reading, running, soccer, spending time with family, and swimming.

Rita Esquenazi is a financial advisor at Charles Schwab with 8 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2021. Prior to that, she was employed at Northwestern Mutual in various roles from 2016 to 2021. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers integrated custody and brokerage services.

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.

Douglas Lipman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been associated with The Capital Preserve, Inc. since 2005 and Linsco/Private Ledger Corp. since 2002. Outside of his advisory work, he is involved in the sale of non-variable insurance. 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 a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and providing access to model portfolios and third-party research.

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.

Edward Book Jr. is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to his advisory role, he worked at L’Oréal USA and Mondelez, and he serves in the Air Force. He is involved in the sale of investment and loan products through affiliated companies and participates in non-investment referrals related to home security and automation. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports client accounts through BNY Mellon Advisors and Pershing custody services.

Paul Gabbianelli is a financial advisor at LPL Financial with over thirty-two years of industry experience. He previously worked at Cetera and operated Paul Gabbianelli & Associates for more than four decades. He also provides tax preparation and accounting services through his CPA practice and is involved in mortgage services. 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 a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Brian Cain is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services. He has been with Raymond James & Associates since 2020. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

James Hammer is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has worked previously at Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation. Outside of his advisory role, he conducts non-variable insurance and annuity sales and serves as a successor trustee for a family trust. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, and managed accounts. The firm employs asset-allocation tools and third-party solutions to construct diversified portfolios across various asset classes.

Anthony D'Alessandro is a Wealth Management Planning Consultant at Fidelity Investments, where he is part of the Private Wealth Management team. In this role, he focuses on providing financial planning services to high net worth families. He has been with Fidelity Investments since 2017, beginning as a Financial Representative and progressing through roles including Relationship Manager and Planning Consultant before his current position. Prior to joining Fidelity, Anthony worked as a Financial Consultant at Laidlaw & Company Ltd. from 2015 to 2017. Outside of his professional responsibilities, Anthony has interests in board games, cars, golf, pets, snowboarding, and traveling.

Valerie Vinbaytel is a financial advisor at Raymond James & Associates with 16 years of industry experience. She has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. She holds Series 63, Series 65, and Series 66 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

Jerry Wade is a financial advisor at LPL Enterprise with 21 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Enterprise, he worked at The Prudential Insurance Company of America, Mass Mutual Investors Services, Massmutual Life Insurance Co, and Metlife Securities Inc. He also owns On Point Strategic Planning, LLC, which he markets as a Veteran Owned business. LPL Enterprise serves a broad mix of clients including individuals, retirement plans, charitable organizations, corporations, and institutions through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Thomas Kingsley is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior work includes roles at Bloomberg Tradebook, Guidepoint, Alphasights, Third Bridge, Gerson Lehrman Group, and Telk Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of algorithmic methods and formal advisory roles within Fidelity’s institutional wealth platform.