Paul Maletsky is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Paul works with individuals and families to understand their financial situations, risk tolerances, time horizons, and liquidity needs in order to develop aligned financial strategies. His approach combines personalized service with investment insights from Merrill and access to Bank of America banking services. Paul holds a Bachelor's degree from Lafayette College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch Wealth Management in 2013, he worked as an equity trader and held positions as an analyst and portfolio manager on Wall Street. He also spent three years as a Managing Director at a consulting firm specializing in community banking. Outside of his professional career, Paul enjoys golfing, spending time with his family, and traveling. He emphasizes understanding clients' values through one-on-one conversations to help them pursue their life goals and plan their legacies.

Matthew Pennell is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual and Samuel Klien and Co. 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 and profit-sharing plans, corporations, and charitable organizations.

Emily Wirgin is a CFP®-designated financial advisor with 20 years of industry experience. She is currently with Cetera and has held prior roles at Allied Wealth Partners and Minnesota Life Insurance Company. She is also the owner and president of Mozem Financial, LLC, an expense management business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that includes model portfolios, third-party managers, and customizable strategies.

Gregory Bielat is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with UBS since 1991. 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 provides a broad range of capital markets and research resources.

Rugmini Padmakumar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 15 years. She holds a Series 66 designation and serves as a board member for the charitable organization Mantrah. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including educational seminars and event-driven planning such as divorce and estate settlement.

Anthony Cavallo is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 65 credential and has worked at Cetera since 2011. In addition to his advisory role, he operates a legal and tax planning practice as an attorney and CPA. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers.

Maya Aly is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds a Series 66 designation and has worked at several firms, including Citigroup and PlanMember Securities Corporation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes preparation of investment policy statements, performance reporting, participant education, and a discretionary 3(38) investment option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Phillip Malavarca is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked with Wells Fargo Clearing and Wells Fargo Bank since 2021. Outside of his advisory role, he owns an auto care consulting business and is a notary public in New Jersey. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, combining in-house research with third-party analytics while offering both brokerage and advisory solutions.

Daniel Masiello is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of advising, he is involved in coaching and consulting other advisors through Advanced Skill Development LLC. Ameriprise is an institutional firm that offers a retirement-income planning service designed for clients with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm delivers customized, non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and the use of algorithmic tools overseen by specialized committees.

Rhonda Matthew is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2017, following prior roles at J.P. Morgan Securities and JPMorgan Chase Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Eugene Giordano is a financial advisor at LPL Financial with 25 years of industry experience. He has held his current position since 2003 and holds Series 63 and Series 66 licenses. His other business activities include servicing fixed insurance contracts and conducting transactions on life, disability, long-term care, and fixed annuities. 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 variety of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Falco is a CFP® professional with five years of experience, currently serving as a financial advisor at Primerica Advisors. He has worked with Primerica since 2020 and concurrently holds positions in education and community sports, including roles as a full-time teacher and as owner/director/coach of Garden State Basketball Academy. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and selectively managed accounts to individual and high-net-worth clients within a wrap-fee structure. The firm employs an independent due-diligence process for asset managers and delegates trading to BNY Mellon Advisors.

Michael Daniels Jr. is a CFP® and ChFC® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Cetera and has also worked with Allied Wealth Partners and Minnesota Life Insurance Co. Daniels holds roles as an agent/broker in fixed insurance sales through Allied Wealth Partners and Financial Focus Group LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers.

Ethan Friedman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, focusing on comprehensive wealth management. His approach integrates insights from Merrill and the banking and lending capabilities of Bank of America to adapt strategies to evolving market conditions. Ethan's expertise includes services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Wisconsin Madison. In addition to his professional work, Ethan is committed to community involvement and spends time volunteering with local organizations. Outside of work, his personal interests include ice hockey, music, reading, running, traveling, and spending time with his family.

Joseph Troiano is a Series 66 licensed financial advisor with Merrill in Cranford, NJ, and has 14 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce, Fenner and Smith 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Irina Ilina is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds the Series 65 and Series 63 licenses and has been with UBS since 2013. UBS Financial Services Inc. 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 services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Tharaka Ramdeo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and two years of industry experience. His work history includes roles at Wells Fargo Bank and PNC Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Amanda Reed is a financial advisor at UBS Financial Services with eight years of industry experience. She holds the Series 66 designation and previously worked at Thomson Reuters for one year before joining UBS in 2018. UBS Financial Services 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, operating as a broker-dealer, investment adviser, and futures commission merchant.

John Reilly is a financial advisor at Cetera with 29 years of industry experience. He holds the Series 63 designation and has worked previously with Allied Wealth Partners and Securian Financial Services. Outside of advising, he is also an insurance agent and broker. 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 various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary program options.

Jeffrey Tucker is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Smith Barney LLC and Merrill Lynch, Pierce, Fenner & Smith. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options in its offerings.