Robert Amato is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and five years of industry experience. His prior work includes roles at Comnet Telecom Supply and Total Relocation Services, as well as employment at Queens College. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Gregory Gallucci is a Series 66 licensed financial advisor with 21 years of industry experience. He has worked at Merrill since 2017 and at Bank of America, N.A. since 2020, with prior experience at North South Capital, LLC. Outside of advising, he owns Fophie, a food services marketplace LLC. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Walters is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 44 years of industry experience. He has previously worked at Raymond James Financial Services Advisors Inc. and has been associated with Sweatt & Walters Associates LLC since 1985. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management options, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation styles.

Jose Madera Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. Outside of his advisory work, he is a licensed notary in Iselin, NJ. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on a broad range of advisory and non-advisory financial services.

Sandra Perez is a Series 66-registered advisor with Merrill in Iselin, NJ, and has 16 years of industry experience. She has been with Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Wittmann is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab since 2022. Prior to his advisory career, he was involved with The Bayou: Southern Kitchen and worked at Cracker Barrel for ten years. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Hedy Zahran is a Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she focuses on understanding clients' goals and helping them navigate options to work towards achieving those objectives. She collaborates with clients to examine their financial plans, define their destinations, and identify appropriate paths, utilizing Fidelity's range of offerings to support meaningful progress. Prior to joining Fidelity, Hedy accumulated extensive experience in the financial sector, including roles such as Vice President at MSCI from 2011 to 2016 and at Pershing from 2008 to 2009. Earlier in her career, she held positions at Goldman Sachs, Credit Suisse, Scudder Kemper Investments, and BEA Associates, gaining a broad foundation in financial services. Hedy holds a California Insurance License, which complements her expertise in financial consulting.

Chris Maniaci is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management in Princeton, NJ. He began his career at Merrill in 1989, initially working in Operations and eventually becoming an Operations Manager in several branch offices. His dedication to serving clients led him to transition to a role as a Financial Advisor, where he focuses on providing personalized wealth management strategies tailored to each client's goals. Chris adheres to Merrill's principle that the client's interests must come first and is committed to delivering a high level of service and attention to detail. Chris brings expertise in areas including college education planning, executive compensation, family wealth management strategies, portfolio management, and retirement income planning, among others. He holds a Bachelor of Science in Economics from the State University of New York at Cortland and has earned the Certified Investment Management Analyst® designation through the Investments & Wealth Institute®. Additionally, he holds the Personal Investment Advisor (PIA) designation. Beyond his professional work, Chris participates in community service and volunteers with organizations such as the Hemophilia Association of New Jersey. His personal interests include golfing, ice hockey, skiing, softball, and spending time with his family.

Brett Fortune is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and bringing seven years of industry experience. He has been with MML Investors Services LLC since 2019 and MassMutual Life Insurance Company since 2018. Outside of his advisory role, he works as an independent insurance agent specializing in life, disability, long-term care, and health insurance products. 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, structuring engagements as annual, collaborative relationships that use firm-approved tools to analyze goals and provide written recommendations.

Denis Murphy is a financial advisor at UBS Financial Services with 25 years of industry experience. He has held his current role since 2012 and previously worked at Morgan Stanley. He holds the Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Dennis Dobrosky is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Dennis earned a Bachelor's Degree from the College of the Holy Cross.

Michael Ducore is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and is involved as a life settlement broker through The Ashar Group. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models, including those sponsored by LPL and other program managers, and offers a range of investment solutions covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Dennis Quinn is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and 24 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and previously at Metlife Securities Inc. from 2015 to 2017. Outside of his advisory role, he is the owner of Creative Risk Management LLC and operates as an independent insurance agent specializing in disability, fixed annuities, and life, accident, and health insurance. Mass Mutual Investors Services 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, focusing on collaborative, annual planning relationships that use firm-approved tools to analyze client goals and provide written recommendations.

Colin Sullivan is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2013, including tenure at Bank of America, N.A. since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including strategic asset allocation and tax-aware options.

James Leuenberger is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Prudential Insurance Company of America since 2012 and with Pruco Securities, LLC from 2012 to 2024. In addition to his advisory role, he is involved in the sale and servicing of Prudential-sponsored property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm primarily employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through its affiliated entities.

Joseph Armstrong is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior roles include positions at JPMorgan Chase Bank and JPMorgan Securities, as well as experience in the pharmaceutical and food service industries. Equitable Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Jonathan Beaubien is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior roles include positions at MML Investors Services LLC, Mass Mutual Life Insurance Company, Park Avenue Securities, and Guardian Life Insurance Company. Outside of his advisory work, Beaubien coaches baseball and serves on the board of a youth and community development organization. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved software and various event-driven planning programs.

Colin Ribis is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and two years of industry experience. His work history includes roles at Bank of America, JPMorgan Chase Bank, and J.P. Morgan Securities, as well as ongoing service in the United States Army Reserves. He is also involved with Pinnacle Commerce LLC. 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, pensions, corporations, and charitable organizations.

Michael Saladino is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses. He has recently started his career in the financial services industry. Outside of advising, he has experience working in retail and education environments. Equitable Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management services. The firm utilizes a variety of advisory models and third-party program sponsors to deliver solutions tailored to client needs.

Joseph Gough is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked at Merrill since 1986 and is also associated with Bank of America since 2009. Gough serves as a board member of CAFRICO, Inc., a nonprofit organization that collects charitable donations to support a health clinic in Uganda and other nonprofits. 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 plans, corporations, and charitable organizations.