Stephan Dipierno is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he serves as Vice President of the Raritan Tenants Corp board and acts as a power of attorney for his father. MassMutual 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 seminars, emphasizing collaborative, goal-oriented planning without discretionary investment authority.

Andrew Stype is a financial advisor with Merrill in Iselin, NJ, holding a Series 66 designation and 13 years of industry experience. He has worked at Bank of America, N.A. and 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Deborah Kennedy is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities since 2000, with additional experience at JPMorgan Chase Bank, N.A. since 1995. Outside of her advisory role, she serves as a trustee for the Paper Mill Playhouse, a regional not-for-profit theatre. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Tejaswi Patel is a financial advisor with LPL Financial in Somerset, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2024, Patel worked at Cetera Advisors LLC, First Allied Advisory Services, and First Montauk Securities Corp. Patel also engages in selling non-variable insurance products through Ash Brokerage Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Omega Mcintosh is a financial advisor with LPL Enterprise holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Enterprise in 2024, Mcintosh worked at Prudential Insurance Company of America and Pruco Securities, with earlier roles at J.P. Morgan Securities and Bank of America, among others. Outside of finance, Mcintosh serves as a board member for Brooklyn Faith Seventh Day Adventist Church and works as a paralegal for the New York City Law Department. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, offering financial planning, access to third-party asset managers, and additional services such as affiliated trust custody and insurance product facilitation.

Erisa Bida is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2019. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Emma Poalillo is a financial advisor at UBS Financial Services with three years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at Jack Oujo CPA, Inc DBA Oujo Wealth Strategies, Avantax Investment Services Inc, and Gilmartin Financial, among others. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Craig Marquardt is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 20 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing from 2016 to 2023 and Merrill from 2011 to 2016. His other business activities include participation in a health insurance plan through LifeX. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Ann Trainor is a financial advisor at UBS Financial Services with 27 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Morgan Stanley and Citigroup Global Markets. Outside of advising, she serves as a director for Conesco Industries, a supplier of concrete form work materials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

David Nader is a CFP® professional with 33 years of experience in the financial industry. He is currently with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp. for 22 years and Veravest Investment Advisors, Inc. for one year. Outside of advisory services, he is co-owner and promoter of a marketing and brand-building business serving martial arts athletes. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is noted for its scale, complex affiliate network, and recent consolidation activity.

Jennifer Mack is a Series 66–licensed financial advisor at Merrill with 10 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Salerno is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Raymond James, he spent 14 years at Commonwealth Financial Network. Salerno is also an independent contractor for Executive Wealth & Retirement Strategies, a financial planning company operating under a DBA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through affiliations uncommon in large institutional advisors.

Christopher Meredith is a financial advisor at Charles Schwab with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2012, including a year at Charles Schwab Bank. Charles Schwab & Co., Inc. provides wealth advisory, brokerage, custody, and cash-sweep services primarily to high- and ultra-high-net-worth individuals. The firm offers both non-discretionary and discretionary investment management through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts.

Leonard Mancini is a financial advisor at LPL Financial with 25 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 21 years and at OSAIC for one year. Mancini holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of financial planning and investment management services, supported by a large network of advisors and extensive operational resources.

Michael Garvey is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the CFP® and CFA® designations, along with Series 65 and Series 63 licenses. Since 2010, he has been associated with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative and qualitative due diligence supported by a manager solutions team.

Cathi Rosky serves as a Senior Financial Advisor. The available information provides details about Brian, including his career history, education, and expertise, but does not include specific background or experience related to Cathi Rosky. No personal interests, education, or credentials are provided for Cathi. As such, no further details can be included about Cathi Rosky beyond her current job title.

Anne Blaine is a financial advisor at LPL Enterprise with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including The Prudential Insurance Company of America, Pruco Securities LLC, and Cambridge Investment Research, Inc. Outside of her advisory role, she serves as a volunteer childcare associate at Westbridge Community Church and is a board member and Membership Director for the nonprofit BWNice. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Kenneth Villano is a financial advisor at Raymond James Financial with 31 years of industry experience. He holds a Series 63 designation and has been with Raymond James Financial since 2009. Villano is also the sole member and branch manager of Ridge Wealth Advisors LLC, an independent contractor role. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm emphasizes non-discretionary planning and investment consulting tailored to client goals and supports institutional consulting and portfolio management through a large advisor network.

Ling Yang is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving high-net-worth individuals, families, and private business owners. She manages wealth to help clients achieve their investment, wealth transfer, and philanthropic objectives. Ling focuses on providing comprehensive investment management and wealth planning services, including handling complex financial needs such as retirement planning, tax minimization, and corporate executive services. She also offers credit and lending solutions through Bank of America, N.A. Before joining Merrill Lynch, Ling gained experience as a senior financial analyst at the Los Angeles Times and worked in consulting roles with SAP and Alcatel. She has broad expertise in consulting, financial planning and forecasting, financial modeling, business analysis, and operations optimization. Ling earned her MBA with a concentration in Finance from the University of Southern California. Fluent in multiple languages including English, Chinese, Mandarin, Taiwanese, Wu, and Japanese, Ling works closely with diverse clients, including first-generation Chinese Americans, to address their unique financial goals. In her personal time, she enjoys cooking, hiking, traveling, and practicing yoga.

Brinia Garcia is a financial advisor with Morgan Stanley in Warren, NJ, holding a Series 66 designation and eight years of industry experience. She has been with Morgan Stanley since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs for individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.