Michael Bale is a Wealth Management Advisor at Merrill Lynch Wealth Management, providing comprehensive wealth management planning to a diverse clientele. He has more than ten years of experience working closely with well-educated and forward-thinking individuals who seek real-world strategies and realistic expectations to achieve their financial goals. Michael's expertise includes investment and retirement planning, elder care financial management, college education planning, divorce transition planning, special needs planning strategies, tax minimization, and retirement income. He serves a loyal and growing client base primarily in New Jersey, New York, and coastal areas, including corporate executives, physicians, medical sales representatives, divorced and widowed individuals, and multiple generations of families. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Personal Investment Advisor (PIA) designation. Michael graduated from Rutgers University and is a native of Bergen County, New Jersey, where he currently resides with his wife and three children. Outside of his professional life, he enjoys baseball, basketball, cooking, football, golfing, hiking, softball, spending time with his family, and is involved in his community as a youth sports coach.

Michelle Rosenberg is a financial advisor at Cetera with 25 years of industry experience. She holds a Series 63 designation and has worked with Millman and Rosenberg Associates Ltd since 2016. In addition to her advisory role, she co-owns Millman and Rosenberg Associates, Ltd., a tax consulting and business management firm, and is a 50% owner and manager of Rosemill Ventures LLC, a business consulting company. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features a multi-manager platform with access to affiliated and third-party managers.

Barry Goldberg is a financial advisor at Fisher Investments with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at J. J. Burns & Company for two years before joining Fisher Investments in 2018. Fisher Investments serves a global clientele including institutional and high-net-worth private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm’s centralized investment process combines quantitative screening and qualitative research to build globally diversified portfolios and employs tax-aware and risk management strategies.

Michael Nelson is a CFP® with 26 years of experience in the financial industry. He is currently with J.P. Morgan Securities and has previously worked at Merrill and Bank of America. Outside of his advisory role, he is involved in managing several residential real estate investment entities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its program on a non-discretionary basis.

Arthur Pasternak is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry, with the last 30 years spent at Merrill Lynch. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Arthur works primarily with high net worth individuals and small businesses, focusing on wealth accumulation, retirement planning, tax minimization, education funding, and cash flow enhancement. Arthur holds a Bachelor’s degree from Syracuse University and a Master’s degree from Pace University. He employs a defined process to understand each client’s unique situation, establish objectives, develop strategies, and review progress to ensure alignment with their financial goals. His approach includes leveraging a broad range of proprietary and non-proprietary products and collaborating with Merrill Lynch specialists to create customized solutions based on clients’ risk tolerance, time horizons, liquidity needs, and investment goals. Active in his community, Arthur participates in the Fort Lee High School Academy of Finance, the Business Council of Westchester as an ambassador, Business Network International, and the Rockland Business Association. He also coaches youth sports and volunteers at the Rockleigh Senior Home. Arthur resides in Fort Lee, New Jersey, where he has lived for 26 years. He enjoys golf, attending and watching sporting events, reading, and spending time with his family.

Nicholas Colombo is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, he worked at Criterion Management for two years. Outside of his advisory role, he is president of the Young Professionals Alzheimer's Council under the Alzheimer's Association Hudson Valley Chapter and serves on the boards of the Armonk Chamber of Commerce and STEER for Student Athletes. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households and organizations. The firm offers various advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He worked at Wells Fargo Advisors for nine years prior to joining LPL Financial in 2023. LPL Financial serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a nationwide network of investment adviser representatives.

Elena Tashlitsky is a financial advisor with RBC Capital Markets in Purchase, NY, holding Series 63 and Series 66 designations and seven years of industry experience. She previously worked at UBS Financial Services for three years before joining RBC in 2025. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment advisory programs utilizing a combination of in-house and third-party managers, with a focus on customized portfolio management and financial planning.

Siobhan Cummings is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Katz is a ChFC® and Series 63–licensed financial advisor with over 52 years of industry experience. He is currently with LPL Financial and KM Capital, having previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Katz also conducts insurance-related activities through his private non-variable insurance business, EVC Financial. 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 supported by extensive research and technology-driven portfolio management solutions.

Donald Levy is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and related entities since 2009, including his current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside investment committee insights to support client financial strategies.

Ronald D'Antoni is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with J.P. Morgan Securities and Jpmorgan Chase Bank since 2014. Prior to that, he was associated with Neighborcom, LLC. He also serves as trustee and advisor for The D'Antoni Family Trust I & II. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Thomas Knoesel is a financial advisor at Primerica Advisors with five years of industry experience. He holds Series 63 and Series 65 designations and has worked at Primerica Advisors since 2020. Prior to his advisory role, Knoesel held positions at Revlon Inc. and Sundial Brands LLC. Outside of advising, he owns SanTom Consolidated Companies, a financial consulting business, and works as a part-time driver for Uber. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Abdulqadir Akhtar is a financial advisor at Morgan Stanley with 8 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Securities LLC for six years before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Robert Freireich is a financial advisor with LPL Financial in Tarrytown, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been associated with LPL Financial since 2002 and has operated The Capital Preserve, Inc., a registered investment advisor, since 2005. Freireich is also a retired attorney. 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 provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, supported by research and model portfolios.

Matthew Molloy is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he collaborates with clients to develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His services encompass general investing, retirement planning, and financial preparation for unforeseen circumstances. Matthew holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Siena College. He works closely with clients to discuss their objectives, concerns, and questions, providing ongoing advice as their needs evolve. Additionally, he facilitates access to specialists at Bank of America for banking, credit, home financing, and small business solutions.

Caroline Bravo is a Financial Consultant currently working at Fidelity Investments since 2023. She has been involved in the financial services industry for over 12 years, holding positions including Investment Consultant at Fidelity Investments, Wealth Client Consultant at Citizens Investment Services, Premier Advisor at Citizens Wealth Management, Financial Advisor at M&T Securities, and Licensed Banker at M&T Bank. Her professional experience encompasses a range of roles focused on client financial education and strategy development. Caroline works collaboratively with clients to understand their unique financial situations and create tailored strategies aimed at achieving their financial goals. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Richard Filippelli is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Vanessa La Via is a financial advisor at Merrill with Series 63 and Series 66 licenses. She has been in the industry since 2026 and has held roles at Merrill, Bank of America, and Northwestern Mutual. Vanessa completed her studies at the University of South Carolina and has professional experience across financial services and other sectors. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yazlynne Ganju is a financial advisor with Morgan Stanley in Purchase, NY, holding a Series 66 designation and having 10 years of industry experience. She previously worked at City National Rochdale for five years before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.