Anthony Ruscetta is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. His prior work experience includes roles at Hobart and William Smith Colleges and other diverse positions outside the financial industry. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Soumit Sarkar is a CFA® and holds a Series 66 license with 16 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at The Investment Center Inc and Center Street Securities. Outside of his advisory role, he owns and operates multiple businesses including a financial consulting and coaching firm, and he also acts as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of platform arrangements and both discretionary and non-discretionary investment strategies.

Kaylee Guerra is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she worked as a Financial Advisor at Merrill Lynch from 2017 to 2024. In her current position, she collaborates with clients to develop customized financial plans tailored to their unique family needs, focusing on strategy identification and ongoing communication. Kaylee holds a California Insurance License, supporting her ability to advise clients on insurance-related financial matters. Outside of her professional work, she has interests in board games, comedy, family activities, football, pets, and softball.

Valerie Rosaly is a CFP® professional with 26 years of experience in the financial industry. She has been with UBS Financial Services since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 financial plans to clients’ goals and risk tolerances.

Justin Skarbnik is a financial advisor with Wells Fargo Clearing in Bedminster, NJ, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Schwartz is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets Inc from 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Daniel Coughlin is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding a Series 63 license and bringing 40 years of industry experience. He has worked within various Wells Fargo entities since 2009. Outside of his advisory role, he owns Daniel Coughlin LLC, where he dedicates significant time monthly. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting specific net-worth criteria, utilizing proprietary research and planning tools to develop tailored recommendations.

Matthew Lapera serves as an Associate Resident Director at Merrill, where he provides personalized wealth management strategies tailored to individual client needs. He specializes in areas including equity compensation services, family wealth management, investment consulting for defined contribution plans, liquidity management, retirement income planning, and values-based investing. His approach centers on developing strategies that reflect clients' long-term financial goals and adapting to changing market conditions. A native of New Jersey, Matthew began his financial career as a Merger Arbitrage Analyst on the New York Stock Exchange before transitioning into wealth management. He spent four years as a financial planner at Morgan Stanley before joining Merrill to leverage its resources for improved client service. Matthew holds a Bachelor's Degree from Monmouth University and maintains professional designations as a Certified Private Wealth Advisor, Chartered Retirement Planning Counselor, and Personal Investment Advisor. He is a member of the IMCA & Investments and Wealth Institute®. Outside of his professional role, Matthew participates in community volunteering activities consistent with Merrill's tradition of community involvement. He also enjoys billiards, boating, chess, fishing, football, golfing, running, swimming, traveling, and spending time with his family.

Michael Wallace Jr. is a financial advisor at LPL Financial with 42 years of industry experience. He holds the CFP®, ChFC®, and Series 63 designations. His prior work includes 12 years at First Advisory Corporation from 2005 to 2017. Outside of advisory services, he has been involved in selling fixed annuities and group insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 model portfolios and research from LPL and third-party providers.

Brett Locker is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is involved in coaching and fitness through Trilax Inc. 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 financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Peter Berzins is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. In addition to his advisory role, Berzins serves on an advisory committee for the Bass Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services across a broad platform.

Viktor Misko is currently serving as Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2025. He has been associated with Fidelity Investments in various capacities since 2010, including Vice President Wealth Planner and Investor Center Financial Consultant, reflecting a continuous professional commitment within the firm. Prior to joining Fidelity, Viktor worked as a Financial Advisor at Merrill Lynch and Morgan Stanley. Throughout his career, Viktor has focused on helping clients simplify their financial lives, aiming to empower them towards financial independence through trusted guidance. His team's mission emphasizes supporting clients in managing their financial affairs so they can concentrate on what matters most to them and their families. He seeks to be a key resource for all aspects related to his clients' financial needs. Outside of his professional responsibilities, Viktor has an interest in family activities, fitness, football, pets, reading, and soccer.

Robert Griener is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Transamerica Financial Advisors, World Financial Group, and Celadon Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its roles as a commodity pool operator, advisor to registered investment companies, and use of AI-driven research methodologies.

James Reilly is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. He serves as a trustee for several clients and family members, dedicating a small number of hours monthly to these roles. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.