Michael Hughes is a Series 66-licensed financial advisor with Equitable Advisors in Demarest, NJ, where he has worked since 2004. He has 21 years of industry experience, including time at Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model with both advisory and brokerage channels to deliver tailored client solutions.

Luke Cela is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation. He has no prior industry experience and has been with Wells Fargo Clearing since 2026. His background includes roles at the University of Wisconsin - Madison and The Pingry School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Georgios Pefanis is a financial advisor at J.P. Morgan Securities with Series 66 registration and one year of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, TG Administration LLC, Bayonne Golf Club, Richmond Ave Gardens Inc., and Baruch College. J.P. Morgan Securities LLC 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.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Ruth An Eubanks is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Bank, NA dating back to 2013. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aradhana Dhakal is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. She previously worked at Goldman Sachs Group, Inc. for two years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Donna Mulvihill is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2024. She has extensive experience in financial planning and wealth management, having worked in various positions including Planning Consultant at Fidelity Investments from 2021 to 2025, and Investment Advisor at Garretson Financial, The Investment Center from 2015 to 2018. Prior to that, she held roles in investment marketing and financial editorial consulting with firms such as McGraw Hill, JPMorgan Fleming Investment Management, Chemical Investment Services, and Dreyfus Service Corp. Throughout her career, Donna has focused on working directly with clients to understand their financial situations, families, and goals. She collaborates with clients on strategies for wealth creation, protection, tax efficiency, and retirement income, aiming to develop comprehensive and holistic financial plans tailored to meet individual goals and legacy aspirations. Donna holds insurance licenses in Arkansas and California. Outside of her professional work, Donna enjoys cooking and baking, spending time with family, gardening, hiking, outdoor adventures, and traveling.

Emilia Gale is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing financial and wealth management advice since 1994. She has over 30 years of experience working with families and business owners in areas such as retirement planning, college education planning, tax minimization, and socially responsible investing. Emilia holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Divorce Financial Analyst® (CDFA), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is fluent in English, Portuguese, and Spanish, and is conversant in French. Emilia earned her Bachelor of Arts degree in Economics from Drew University and is an active member of the Drew Alumni Association. Beyond her professional work, Emilia is involved in community organizations such as the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She lives in Westfield with her husband, and they enjoy gardening, outdoor activities, attending sporting events, and the theatre.

Hisham Hraiche is a financial advisor with Merrill holding a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Ameriprise Financial Services LLC, and Rippling, among others. 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 a range of individual, institutional, and charitable clients.

Thomas Smedley is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in property rental in Manville, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.

Frank Howard Jr. is a financial advisor with Charles Schwab in Millburn, NJ, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes roles at Fidelity Personal and Workplace Advisors and AXA Advisors, LLC. Outside of his advisory work, he is involved in managing rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment solutions with integrated custody and brokerage support.

Gerard Rabadeau is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 47 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. He is co-owner of Rabadeau Wealth Group, a support business outside of his advisory role. 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, pension plans, corporations, and institutions. The firm offers non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Daniel Ramer is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory work, he serves as treasurer for the Jewish Family Service of Central New Jersey, where he oversees the finance committee and collaborates on budgeting and financial planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services alongside fiduciary financial planning.

Brent Freda is a financial advisor at Merrill holding Series 63 and Series 65 credentials. He has experience working at Fulton Bank and Xactus prior to his current role at Merrill and Bank of America, where he has been since 2026. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Todd Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been focusing on asset management for individuals, families, and retirement planning for business owners since 2017. He leads the Sentinel Team at the Summit, NJ branch, alongside his business partner and support staff. The team has been recognized on the Forbes "Best-in-State Wealth Management Teams" list for 2023, 2024, and 2025. Mr. Gordon has over 26 years of experience in the financial industry. He began his career as a fixed income specialist at Gibraltar Securities, which became RBC Dain Rauscher. He has also held positions as Vice President in the Private Client Group at Bear Stearns and Senior Vice President at Morgan Stanley prior to joining Merrill Lynch. His areas of expertise include college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He earned his bachelor's degree from Syracuse University and holds FINRA series 7, 63, and 65 registrations, life insurance licenses, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mr. Gordon resides in Short Hills, NJ with his wife and two children. His personal interests include cooking, golfing, hiking, and running.

Jack Riley is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, he co-owns a beach home in Rehoboth Beach, Delaware. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations with research from its Chief Investment Office and Global Research teams to tailor client plans. The firm provides a range of services including portfolio management, financial planning, and capital markets activities, operating as both an investment adviser and broker-dealer.

Alan Jacobson is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he is involved in managing a seasonal weekly rental property in Holgate, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

William Huntley is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has previously worked in various roles, including positions at Merri Makers Caterers, Barrel and Roost, Lafayette College, ShopRite, Trump National Golf Course, and Christian Brothers Academy. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

John Digamon is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and possessing 17 years of industry experience. His prior experience includes roles at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade Inc. He is currently based in Millburn, NJ. Charles Schwab & Co., Inc. serves a large client base of primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by research and due diligence on alternative investments.