Robert Lucente serves as a Personal Investment Advisor (PIA) at Merrill Lynch Wealth Management. In this role, he provides individualized investment guidance to clients, drawing on his expertise in wealth management. He holds a Bachelor's Degree from Moravian College and is affiliated with Merrill under the designation FSA. His professional designation as a Personal Investment Advisor reflects his commitment to client-centered financial planning and investment strategies.

Steven Williams is a financial advisor with UBS Financial Services in Florham Park, NJ, holding a Series 66 designation and eight years of industry experience. He previously worked at Neuberger Berman for nine years before joining UBS in 2022. 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 client plans.

Jose Martin is a financial advisor at Edward Jones with seven years of industry experience. He holds Series 65 and Series 66 designations and has worked at firms including JP Morgan Chase, UBS Securities LLC, and Macquarie Capital (USA) Inc. Martin has no reported outside business activities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Jeremy Fung is a financial advisor at Stifel in Morristown, NJ, with nine years of industry experience. He has held Series 63 and Series 66 designations and has been with Stifel Nicolaus since 2015. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach uses proprietary methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Allan Jones is a financial advisor with LPL Financial and Heritage Investment Partners, LLP, holding a Series 66 designation and 27 years of industry experience. He has been with both firms since 2012. 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 consulting, utilizing model portfolios and various management strategies supported by internal and third-party research.

Dean Fisher is a financial advisor at UBS Financial Services with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Before entering the financial industry, he was involved in the hospitality sector, managing Lovey's Pizza and Grill and South Street Creamery and Cafe. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a broad platform that includes proprietary research and capital market insights.

Mohamed Tabbaa is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and Bank of America, including Merrill. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Denise Pych is a financial advisor at Morgan Stanley with 30 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 1998. Denise holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs a structured planning process using firm-approved tools and manages approximately $2.74 trillion in client assets.

Janine Scura is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked at Sagepoint Financial, Inc. since 2015 and joined OSAIC in 2023. In addition to her advisory role, she is active as an insurance agent, providing insurance sales and services through two agencies. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes a range of tools such as asset-allocation models and automated rebalancing to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Tamara Costa is a financial advisor at Fidelity with 14 years of industry experience. She holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2018, as well as at The Law Office of James T. Elliott, LLC from 2014 to 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Tessa Stewart is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of finance, she operates two small businesses: a wedding photography and videography service and a beauty service offering makeup and marketing of beauty-related products. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals and institutions.

Nicholas Simmonds is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and bringing 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Bank, N.A. and Wells Fargo Advisors LLC from 2009 onward. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Scott Cirelli is a financial advisor with Ameriprise in Mount Arlington, NJ, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. He previously worked at Stifel Nicolaus & Co. Inc. for nine years before joining Ameriprise in 2020. In addition to his advisory role, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement planning supported by a centralized consulting team.

Elizabeth Sweetra is a financial advisor with UBS Financial Services in Short Hills, NJ, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Northwestern Mutual, Sony Music Entertainment, and Cranberry Sunset Farm. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm operates with institutional trading capabilities alongside wealth management services.

Thomas Pegel is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and NJ Claims Associates. Outside of finance, he has experience working in the hospitality and carpentry sectors. 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.

Robert Ritchie is a financial advisor at OSAIC with 18 years of industry experience. He holds the Series 66 designation and has worked at Royal Alliance Associates, Inc. since 2018 and previously at Jhfn Sii from 2011 to 2018. Outside of his advisory work, he serves as a college ice hockey and lacrosse referee and coaches youth and high school ice hockey. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers a range of financial services including brokerage and investment advisory, retirement plan consulting, unified managed accounts, and access to third-party money managers, using various asset-allocation tools and investment vehicles.

Frank Minor III is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as executor for an estate and manages personal investments as a power of attorney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs and portfolio management services through a combination of in-house and third-party managers, with integrated capital markets and alternative investment capabilities.

Zack Tracy is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley, Neuberger Berman, and Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Leigh Einhorn is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, Einhorn worked within various Wells Fargo entities dating back to 2009. She is the owner of Einhorn Financial Enterprises, LLC, an investment-related business based in Sparta, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing a broad range of investment and financial planning services. The firm offers tailored recommendations using proprietary research and tools, with planning engagements that cover a wide variety of client needs including retirement, education, and specialized planning areas.

Paul Pallo is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with RBC Capital Markets LLC since 2014. Outside of his advisory role, he reviews investments and helps monitor the health of a beneficiary for a family trust on a part-time basis. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm employs multiple investment managers and model providers, tailoring strategies to clients’ risk profiles and offering integrated capital markets and alternative investment capabilities.