Angel Ayala is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at J.P. Morgan Securities for 13 years and has business experience in the hospitality sector with Gretalia Hospitality and Osteria Procaccini. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions with an emphasis on research-driven portfolio management and a range of financial products distributed through bank and insurance affiliates.

Gregory Gallucci is a Series 66 licensed financial advisor with 21 years of industry experience. He has worked at Merrill since 2017 and at Bank of America, N.A. since 2020, with prior experience at North South Capital, LLC. Outside of advising, he owns Fophie, a food services marketplace LLC. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Walters is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Raymond James Financial Services from 2014 to 2020 and has been associated with Sweatt & Walters Associates LLC since 1985. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning services, and retirement consulting, utilizing model portfolios and research from multiple sources.

Jose Madera Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. He previously worked at Cetera and Foresters Financial Services. Reyes is also a licensed notary and involved in non-variable insurance sales. 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 consulting, and brokerage services with both discretionary and non-discretionary management options.

Joseph Deery IV is a Series 66-registered financial advisor at Merrill with 13 years at the firm and 4 years of industry experience. He is based in Princeton, NJ. 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.

Sandra Perez is a Series 66-registered advisor with Merrill in Iselin, NJ, and has 16 years of industry experience. She has been with Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Wittmann is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab since 2022. Prior to his advisory career, he was involved with The Bayou: Southern Kitchen and worked at Cracker Barrel for ten years. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Hedy Zahran is a Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she focuses on understanding clients' goals and helping them navigate options to work towards achieving those objectives. She collaborates with clients to examine their financial plans, define their destinations, and identify appropriate paths, utilizing Fidelity's range of offerings to support meaningful progress. Prior to joining Fidelity, Hedy accumulated extensive experience in the financial sector, including roles such as Vice President at MSCI from 2011 to 2016 and at Pershing from 2008 to 2009. Earlier in her career, she held positions at Goldman Sachs, Credit Suisse, Scudder Kemper Investments, and BEA Associates, gaining a broad foundation in financial services. Hedy holds a California Insurance License, which complements her expertise in financial consulting.

Chris Maniaci is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management in Princeton, NJ. He began his career at Merrill in 1989, initially working in Operations and eventually becoming an Operations Manager in several branch offices. His dedication to serving clients led him to transition to a role as a Financial Advisor, where he focuses on providing personalized wealth management strategies tailored to each client's goals. Chris adheres to Merrill's principle that the client's interests must come first and is committed to delivering a high level of service and attention to detail. Chris brings expertise in areas including college education planning, executive compensation, family wealth management strategies, portfolio management, and retirement income planning, among others. He holds a Bachelor of Science in Economics from the State University of New York at Cortland and has earned the Certified Investment Management Analyst® designation through the Investments & Wealth Institute®. Additionally, he holds the Personal Investment Advisor (PIA) designation. Beyond his professional work, Chris participates in community service and volunteers with organizations such as the Hemophilia Association of New Jersey. His personal interests include golfing, ice hockey, skiing, softball, and spending time with his family.

Kevin Murphy is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Cetera Wealth Services and multiple business activities involving accounting, tax preparation, and insurance sales. He operates a CPA practice providing bookkeeping and tax consulting services for personal and small business clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing both affiliated and third-party investment managers across diverse program structures.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Michael Ducore is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved as a life settlement broker with The Ashar Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Colin Sullivan is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2013, including tenure at Bank of America, N.A. since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including strategic asset allocation and tax-aware options.

Braken Fiore is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and 19 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, Fiore serves as president of Fiore Strategic Wealth Inc. and acts as a pension consultant for the International Brotherhood of Electrical Workers, assisting with NYCERS pension options. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, annual planning engagements with firm-approved analytical tools and offers various educational seminars and specialized planning programs.

Anthony Giordano is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Ameriprise and Linsco Private Ledger. He is also a majority owner of GIORDANO GP, LLC, a merchant partnership based in Palm Beach Gardens, Florida. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations, with implementation options through various brokerage and advisory programs.

Joseph Armstrong is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 and Series 63 licenses and previously worked at JPMorgan Chase Bank and JPMorgan Securities. Armstrong also has experience outside finance, including a role at ITS Nutts on the Canal LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, insurance distribution, and access to third-party asset management programs through a dual-registered investment adviser and broker-dealer model.

Jonathan Beaubien is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, and Certified Financial Services. Outside of his advisory work, he serves as a board member for KYDS, a youth and community development organization, and works as a baseball instructor at Leftys Sports Academy. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, employing firm-approved tools to analyze client goals and deliver written recommendations.

Michael Saladino is a financial advisor with Equitable Advisors based in Woodbridge, NJ. He holds Series 63 and Series 65 registrations and has recently begun his advisory career. Prior to joining Equitable Advisors, he has experience in retail and education sectors, including roles at Shoprite and Misericordia University. Equitable Advisors serves a wide range of clients including individuals, high-net-worth, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying on LPL-sponsored programs and endorsed TAMPs to deliver both advisory and brokerage solutions.

Joseph Gough is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked at Merrill since 1986 and is also associated with Bank of America since 2009. Gough serves as a board member of CAFRICO, Inc., a nonprofit organization that collects charitable donations to support a health clinic in Uganda and other nonprofits. 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.

N Sean Longo is a Senior Financial Advisor at Merrill Lynch Wealth Management and a partner of The Morrison, Longo & De Stefano Group. Since beginning his career at Merrill in 2005, he has focused on helping clients develop personalized wealth management strategies that address their unique financial objectives and concerns. Sean leads the group's investment committee, collaborating with colleagues and clients to implement customized investment plans that consider risk tolerance, investment timeline, liquidity needs, and both short- and long-term goals. His expertise includes executive compensation, family wealth management strategies, liquidity management, philanthropic planning, portfolio management, socially responsible and ESG investing, individual and corporate investment strategy, and tax minimization. Sean holds a Bachelor of Science degree from Montclair State University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has also been recognized on Forbes' "Best-in-State Next Gen Advisors" list in 2019. Sean resides in Scotch Plains, New Jersey, with his wife Alicia and their three children. Outside of work, he enjoys mountain biking, cooking, playing the guitar, and running.