Michael Bialko is a Planning Consultant at Fidelity Investments, a position he has held since 2020. He has been affiliated with Fidelity Investments since 2014, previously serving as Relationship Manager from 2016 to 2020 and Investment Consultant from 2014 to 2016. Prior to joining Fidelity, he worked as a Senior Account Service Associate at NYLIFE Securities from 2010 to 2014. With nearly two decades of experience in financial services, Michael focuses on partnering with clients to develop comprehensive wealth plans tailored to their unique needs. He emphasizes understanding each client's individual situation to co-create a roadmap aimed at achieving financial peace of mind for them and their families. Outside of his professional responsibilities, Michael is interested in beach activities, spending time with family, fitness, football, golf, and volunteering.

Antonio Paturzo is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Perinelli is a financial advisor with Mass Mutual Investors Services in Staten Island, NY, holding a Series 63 designation and 15 years of industry experience. His career includes roles at MetLife Securities Inc. from 2011 to 2017 and at MassMutual life Insurance Company since 2016. Outside of advising, he serves as an arbitrator on FINRA arbitration panels and is a co-owner of Wealth Protection Strategies LLC, an entity established to act as a beneficiary for life insurance designations. Mass Mutual Investors Services, LLC is 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 structures planning engagements as annual, collaborative relationships using firm-approved tools to analyze client goals and offers additional services including wrap programs and educational seminars.

George Batelli Jr. is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that integrate both advisory and brokerage capabilities.

Rocco Gallo is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current role, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he owns and operates Gallo Family Enterprises LLC. 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 and integrates advisory services with other financial products and referral channels.

Lewis Rauter is a financial advisor at Wells Fargo Advisors with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2012. Rauter has also been involved with Marquis Wealth Advisors, LLC and LWR41 Advisors Inc., where he holds ownership stakes and serves as a financial advisor. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including cash-flow, retirement, education, and niche planning areas, utilizing Wells Fargo research and planning tools to develop tailored recommendations for clients.

Eng Lian is a financial advisor with Edward Jones in Parlin, NJ, holding Series 63 and Series 66 designations and totaling 29 years of industry experience. His career includes roles at Citizens Securities, HSBC Bank USA, and Citigroup, among others. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and affiliated investment products, with a large national network of advisors and branch offices.

Krista Dugan is a financial advisor with Cetera who holds the ChFC® designation and has 12 years of industry experience. She has worked at Cetera since 2025, with prior roles at Avantax Investment Services Inc. and Ironpath Financial, among others. Dugan also serves as a Client Services Specialist at Michael S. Licitra, CPA, PC, where she supports client relationships and account maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

David De Cerbo is a Senior Resident Director and Wealth Management Advisor at Merrill, where he has been serving clients since 1998. In his role, he focuses on creating and managing wealth management strategies tailored to individual needs. He works with high-net-worth clients, closely held businesses, and leads efforts with foundations, endowments, and nonprofit organizations. His responsibilities include discretionary investment portfolio management, asset allocation, investment selection, and performance monitoring to help clients achieve their financial objectives. David holds a Bachelor’s degree from Rochester Institute of Technology and an MBA in Finance from Rutgers University. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Knights of Columbus. Residing in Metuchen, New Jersey, David is active in his community, serving on the board of the Metuchen Golf & Country Club and participating in the Knights of Columbus. In his personal time, he enjoys golfing and spending time with his family.

Alexandra Ruszala is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Merrill since 2023. Prior to joining Merrill, she worked at UBS Financial Services from 2016 to 2023. She holds a Series 66 license and is based in East Brunswick, 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stuart Margulis is a financial advisor with Morgan Stanley Wealth Management based in Short Hills, NJ, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a drummer for a local classic rock band, The Mountain Jam Band. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models to support tailored financial plans, serving clients both directly and through corporate financial planning agreements.

Yasmeen Kassim is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. throughout her career. Outside of her advisory role, she is a co-owner of a family rental property business. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Devlin Formey is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at firms including Northwestern Mutual and RFG LLC. Outside of his advisory role, he is engaged in football training as a self-employed athletic trainer. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning using structured discovery processes and firm-approved planning tools.

Michael Pinto is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at TIAA-CREF and joined Fidelity in 2021. Outside of his advisory role, he is the sole proprietor of Nations LLC, a sports cards and memorabilia business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm supports various advisory structures and employs systematic methodologies to manage portfolios across mutual funds, ETFs, and ETPs.

John Schade is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm operates on a non-discretionary basis, combining institutional advisory services with brokerage and investment management capabilities.

Jeel Patel is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he worked at Bank of America, Newfield National Bank, and Todd's news agency. He is a partial owner of a small family business, JilKrish 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Lindquist is a financial advisor at Merrill with 15 years at the firm and eight years of industry experience. She holds the Series 66 designation and is based in Iselin, 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, and various types of organizations.

Mark Mazzei is a financial advisor with Ameriprise in Westfield, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of advising, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Gloria Fox is a financial advisor at Fidelity with Series 63 and Series 65 licenses and 19 years of industry experience. Her prior roles include positions at Wells Fargo Clearing Services and Bankers Life before joining Fidelity. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios incorporating mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Adam Garretson is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2017. Prior to this, he worked for Merrill Lynch, Pierce, Fenner & Smith Incorporated for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.