William Cooney is a Vice President and Financial Consultant currently working at Fidelity Investments since 2013. He has over 30 years of experience in the financial services industry, with a career that includes roles at Merrill Lynch, Morgan Stanley, and Dreyfus Service Corporation. Throughout his career, he has navigated significant market events such as the dot-com bubble, the post-9/11 bear market, the 2008 financial crisis, and the COVID-19 recession. His extensive experience has provided him with insights into market cycles and client needs, enabling him to educate clients on maintaining their financial plans during periods of volatility. Prior to his current role, he served as Vice President and Financial Consultant at Merrill Lynch and Morgan Stanley, and as a Financial Adviser at Merrill Lynch and Dreyfus Service Corporation.

Jeffrey Bryan is a financial advisor with Merrill holding a Series 66 credential and 25 years of industry experience. He has been affiliated with Merrill since 2001 and also with Bank of America since 2010. Outside of his advisory role, he serves as a director on the finance and endowment committees at Don Bosco Preparatory High School and is a member of the school's board of trustees. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Russo is a financial advisor with Cetera, holding a Series 66 credential and four years of industry experience. He has worked at several firms, including Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory role, Russo serves as vice-president on the board of the Tri-Boro Chamber of Commerce and participates in ALS research fundraising through his fraternity. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse client base that includes individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning, and access to third-party money managers.

Melissa Cannizzaro is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 designations. She has 27 years of industry experience, including 19 years at Cambridge. Outside of her advisory work, she is a Certified Divorce Financial Analyst and co-owns a landscaping business. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, and other clients through financial planning, investment management, and retirement advisory services. The firm offers a range of portfolio management options and access to both proprietary and third-party strategies tailored to client objectives.

Carolyn Harris is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, following four years at Ameriprise Financial Services. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Boorse is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to provide personalized financial strategies and ongoing guidance. His approach focuses on helping clients build, preserve, and transfer wealth while aligning their financial decisions with their unique goals and evolving needs. His expertise includes college education planning, family wealth management strategies, services for defined benefit plans, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Zachary employs a goals-based planning approach to help clients connect their finances to what matters most, such as family, lifestyle, future retirement, and legacy. Zachary holds a Bachelor's Degree and a Master of Business Administration (MBA) from Fairfield University. He has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Lawrence Deluise is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Bank of America and Merrill. Outside of his advisory role, he is involved in several nonprofit organizations, serving on boards and committees that support local sports programs and educational institutions. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes fiduciary financial planning and capital markets activities.

Mark Denny is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with services tailored to plan objectives and risk tolerances, including unique investment options such as insurance-related vehicles and bank deposit sweep programs.

Joseph Kennelly is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, with prior tenure at Morgan Stanley Smith Barney beginning in 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning services utilize structured discovery conversations and proprietary tools, supporting clients through comprehensive investment and estate planning.

Steven Sedlak is a Series 66-registered advisor with 27 years of industry experience. He is currently with Merrill, having joined in 2022, and previously worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. There are no additional outside activities noted. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Recchia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2013, he has worked directly with individuals and businesses to help them achieve their financial goals. His client base includes owners of private businesses, corporate executives, physicians, CPAs, attorneys, retired couples, widows, and multiple generations of families across the nation. His areas of expertise encompass education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategies, and retirement income. Alexander emphasizes the importance of strategies beyond savings and investments, including estate planning and family wealth transfer, to help clients efficiently move toward their defined objectives and navigate pivotal life transitions such as retirement or selling a business. Alexander holds a Bachelor's Degree from Salve Regina University and the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Habitat for Humanity, Healing the Children, and Knights of Columbus. Outside of work, he enjoys cooking, fishing, golfing, hiking, photography, and spending time with his family.

Stephen Paino IV is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 designation and has worked at several firms including JPMorgan Chase Bank and The Prudential Insurance Company of America. Prior to his financial services career, he was involved with Pompilios Pizzeria. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services. The firm’s investment approach includes multi-asset model portfolios and both non-discretionary and discretionary management options delivered at scale through a highly integrated platform.

Brendon Reese is a financial advisor at UBS Financial Services with 25 years of industry experience. He previously worked at Bank of America and Merrill before joining UBS in 2022. He holds Series 63 and Series 65 licenses. Outside of his advisory work, Reese serves as president and board member of the Cedar Grove Junior Baseball Softball League. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

William Booker is a financial advisor with UBS Financial Services in Florham Park, NJ, holding Series 63 and Series 66 designations and over 42 years of industry experience. He previously worked at Merrill and Bank of America before joining UBS in 2010. Outside of his advisory role, Booker serves on the board of a Catholic high school focused on inner-city youth and is involved with a foundation that provides scholarships for the California University of Pennsylvania. He is also a partner in WorkNest LLC, a company producing workplace solutions for nursing mothers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, 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 in its advisory approach.

Robert Wilkes is a CFP®-credentialed financial advisor with 13 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and Ryan Financial. In addition to his advisory role, Wilkes is involved with Jay Sarno and Associates as a business and management consultant. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Eddie Reyes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan, he held roles at Morgan Stanley, Price Waterhouse Coopers, and Brown & Brown Insurance. Reyes is also the owner of Reyes Property Management LLC, a property management and leasing business unrelated to his advisory role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Eric Levens is a financial advisor with LPL Enterprise holding Series 63 and Series 65 designations and 18 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, he is involved in insurance-related activities through Prudential, focusing on life, annuity, long-term care, disability, and property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Chona Deguzman is a financial advisor with Primerica Advisors in East Rutherford, NJ, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2003. In addition to her advisory role, she is involved in the sale of mortgage products and home security referrals through affiliated Primerica companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies with custody and trade execution supported by leading service providers, managing approximately $15.5 billion in assets through a network of nearly 3,700 advisors.

Abdul Awan is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work includes roles at Equitable Advisors and Selective Insurance. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Suzanne Nicholson is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations with 26 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary investment models as part of its advisory approach.