Gabriel Toledo is a CFP®-designated financial advisor with nine years of industry experience. He is currently with Charles Schwab in Paramus, NJ, where he has worked since 2022. His prior experience includes roles at Bank of America, Merrill, AXA Advisors, JP Morgan Chase & Co., and the University of Delaware. Charles Schwab 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. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and centralized operational infrastructure.

Joyce Huggins is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 40 years of industry experience. She has been with Merrill since 2013. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Danielle Rappa is a financial advisor with Equitable Advisors in Saddle Brook, NJ. She holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, her work history includes roles in retail and hospitality sectors. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s approach involves assessing client risk tolerance to match them with suitable program models or discretionary managers, utilizing both proprietary and third-party advisory solutions.

Mahesh Melwani is a financial advisor with Equitable Advisors, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he is involved in health insurance through Emerson Reid Disability Insurance Services. Equitable Advisors serves a broad client base ranging from individual investors to institutional clients, providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a variety of advisory models and third-party managers, offering a diverse set of investment options and ERISA fiduciary services.

Chris Plechy is a financial advisor at LPL Financial with 26 years of industry experience and holds a Series 66 designation. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, Ameriprise Financial Services, Inc., STIFEL, Ryan Beck & Co., and J. B. Hanauer & Co. He is also involved in tax preparation through Prestige Family Wealth Advisors and owns a business entity called CJP Consulting. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors.

Frank Riolo is a financial advisor at LPL Financial with 12 years of industry experience. He holds the CFP® and Series 66 designations and previously worked at Ameriprise Financial Services, Inc. for seven years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

George Feneis is a financial advisor at RBC Capital Markets with 56 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at City National Bank, Morgan Stanley, and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

David Fierro is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Steven Posluszny is a financial advisor at UBS Financial Services with 42 years of industry experience, including 33 years at UBS. He holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves as trustee for an irrevocable trust established for his father. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, providing a broad range of capital markets and advisory solutions.

Wilson Adubasim is a Series 66-licensed financial advisor with J.P. Morgan Securities, with four years of industry experience. His prior work includes roles at JPMorgan Chase Bank, Equitable Financial Life Insurance Co., and Rutgers University. He also has experience owning a small business, South Valley BBQ & Lounge. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ryan Hunt is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Morgan Stanley and LPL Financial. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Steven Sellman is a financial advisor at Stifel with 38 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he manages a rental property in East Hampton, New York. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

James Cha is a financial advisor with Ameriprise, holding the CFP® designation along with Series 63, 65, and 66 licenses. He has 27 years of industry experience, including roles at Wells Fargo Advisors and Wells Fargo Clearing before joining Ameriprise in 2018. Ameriprise provides retirement-income planning services primarily to individuals with significant investable assets, offering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver its advisory services within a large institutional platform.

Thomas Braun is a financial advisor at RBC Capital Markets with 16 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Bank of America and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing in-house and third-party investment managers to tailor strategies according to client risk profiles.

James Egan is a financial advisor with Merrill, holding a Series 63 designation and 37 years of industry experience. He has been with Merrill since 2007. Outside of his advisory role, he serves as an assistant varsity lacrosse coach at Glen Rock High School. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Leavy is a financial advisor at Raymond James & Associates with 43 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services primarily through non-discretionary advisory relationships.

Scott Olson is a financial advisor at Fidelity with nine years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at New York Life, Nylife Securities LLC, and PRUCO Securities, LLC. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a broad range of investment products, including model portfolios and fund advisory services.

Paul Renfro is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1995 following his graduation from the University at Buffalo (SUNY) where he earned degrees in International Business and Economics. Paul specializes in areas such as family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, special needs planning strategies, sports and entertainment, tax minimization, and retirement income. He holds several professional designations, including Certified Investment Management Analyst (CIMA®) awarded by the Investments & Wealth Institute® in conjunction with The Wharton School of Business, and Certified Financial Planner (CFP®) certification from the Certified Financial Planner Board of Standards, Inc. Other credentials he holds include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Paul is a member of the National Association of Eagle Scouts. In addition to his professional work, Paul has served on the boards of charitable and non-profit organizations in New York and New Jersey, including serving as a trustee for the Bruce E. Vivino Foundation. His personal interests include chess, golfing, reading, running, and skiing.

Gaetano Germinario is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in concentrated stock and stock-option strategies, providing disciplined, goals-based financial guidance aimed at helping clients navigate complex equity positions with confidence. His approach focuses on connecting all aspects of a client's financial life to prioritize and pursue meaningful goals. With over ten years of experience in the financial field, Gaetano has built a foundation centered on clients' financial wellness. His expertise encompasses areas such as college education planning, executive compensation, retirement income, portfolio management, and socially responsible investing. He holds multiple professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born and raised in Old Tappan, New Jersey, Gaetano attended Don Bosco Prep High School and earned his bachelor's degree from Fordham University in New York. He resides in River Vale, New Jersey, with his wife and two daughters. Outside of his professional work, he enjoys golfing, reading, traveling, and spending time with his family.

Michael Pear is a financial advisor at UBS Financial Services in Paramus, NJ, holding a Series 66 designation with four years of industry experience. His career includes roles at UBS Financial Services since 2020 and a prior position at Fiera Capital. He also has experience in academia, having worked at Fordham University’s Gabelli School of Business from 2018 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances.