Michael Stevens is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and eight years of industry experience. He previously worked at Trillium Management, LLC from 2015 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to client goals.

Carlos Gutierrez is a Financial Consultant currently working at Fidelity Investments. He has held various positions within Fidelity Investments since 2022, including Investment Consultant and Financial Consultant. Prior to his roles at Fidelity, Carlos served as an AVP Financial Advisor at Merrill Lynch from 2018 to 2022. Carlos specializes in simplifying the financial planning process by fostering clear communication and providing ongoing support. He strives to help clients feel educated, informed, and confident as they navigate their financial planning. Outside of his professional responsibilities, Carlos is interested in activities such as camping, cooking and baking, fitness, outdoor adventures, reading, and volunteering.

Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial relationships.

Douglas Fischer is a financial advisor with Merrill and holds a Series 66 designation. He has experience at several financial institutions, including Bank of America, UBS Financial Services, and US Bank, with his most recent roles beginning in 2023. Prior to his financial career, he attended Rutgers University and worked at Morris Knolls. 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 and profit-sharing plans, corporations, and charitable organizations.

Danielle Furze is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, Furze serves on the finance committee of the Girl Scouts of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Ernesto Marques is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of advising, he is the owner of ARA Marketplace LLC, an e-commerce retail business. Merrill, along 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 a range of clients including individuals, high-net-worth clients, and institutions.

Susan Mcgeachen is a financial advisor with Ameriprise in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Her career includes 11 years at UBS Financial Services and over six years with Ameriprise. Outside of her advisory role, she has involvement in multi-family real estate ownership. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Melanie Harada is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ, holding Series 63 and Series 66 credentials and with 23 years of industry experience. She has been with MML Investors Services, Inc. and MassMutual Life Insurance Company since 2007. Outside of her advisory role, she serves as a trustee for the Hillsdale Free Public Library, advising on charitable donation use and helping raise awareness of the library’s offerings. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, providing ongoing, collaborative planning engagements typically recommending investment strategies rather than specific products.

Lisa Szalankiewicz is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has been with Cetera and Cetera Investment Services LLC since 2015. Outside of her advisory role, she has acted in plays, commercials, and TV under the names Lisa Szalankiewicz and Lisa Szalan, and serves as power of attorney and co-executor of her aunt’s will. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and consulting services with multiple program structures, including discretionary and non-discretionary options, and manages over $256 billion in assets.

Anthony Browne is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has worked at Merrill since 1998 and Bank of America since 2009. Outside of advising, he is an investor and general partner in a restaurant business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Greg Bauer is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his advisory role, he serves as a co-trustee for multiple 401(k) plans associated with Client Centric Advisors. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu including retirement, education, wealth-transfer, and specialized services such as business-owner transition and sports & entertainment planning.

Louis Zaccaro is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services, Questar Asset Management, and Cambridge Investment Research Advisors. Outside of advisory work, he owns a tax preparation business and is involved in insurance sales through his own wealth management entities. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization, providing various managed account programs and access to alternative investments.

George Zaki is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to connect all aspects of their financial lives and help prioritize and pursue the goals that matter most to them. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. George's expertise encompasses a broad range of client focus areas including institutional and corporate benefit services, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. His advisory philosophy emphasizes working together with clients to uncover what matters most to them and their families and create strategies to pursue their financial goals. He holds a Bachelor's Degree from Ain Shams and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his personal time, George enjoys basketball, biking, fishing, music, photography, reading, running, soccer, swimming, and spending time with his family.

Robert Marrone is a financial advisor with Merrill in Paramus, New Jersey, holding a Series 66 designation and 23 years of industry experience. His career includes roles at Bank of America, Wells Fargo Clearing, Wachovia Bank, and MSI Financial Services. He serves as Vice President of the Marlboro Dance Team Booster Club, a nonprofit organization supporting fundraising efforts for a local high school dance team. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Luciano Dela Cruz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of experience in the industry. His prior experience includes roles at Wells Fargo Clearing and Morgan Stanley. 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 and integrates advisory offerings with various financial products and referral channels.

Eric Ramm is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining Charles Schwab in 2022, he spent 11 years at TD Ameritrade in various roles. Charles Schwab & Co., Inc. 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Brian O'Connor is a financial advisor at Morgan Stanley with 35 years of industry experience. He has worked at Morgan Stanley and its affiliated private bank since 2017, and has prior experience with Bank of America and Merrill. O'Connor holds Series 63 and Series 65 designations. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Edward Book Jr. is a financial advisor with Primerica Advisors located in Oakland, NJ. He holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to his advisory role, he held positions at Mondelez International and L’Oréal USA, and he serves in the Air Force. Outside of his advisory duties, he is a partner and owner of Alpha Investment Properties, LLC. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients through about 3,698 advisors. The firm relies on model-driven strategies created by unaffiliated managers and offers a range of portfolio options supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Stephen Orenchuk is a financial advisor at Ameriprise with 32 years of industry experience. He has worked at Ameriprise Financial Services LLC since 2018 and previously at Wells Fargo Clearing from 2016 to 2018. Outside of his advisory role, he serves on the Board of Directors for the Meadowlands Regional Chamber of Commerce and holds an ex-officio position at Felician University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing tax-aware withdrawal strategies. The firm’s approach integrates proprietary investment research and third-party data and operates within a product ecosystem that includes sub-advised options and managed accounts.

Kevin Foord is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct individual plans and Corporate Financial Planning agreements.