Ronnie Guidone is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He has been working in the financial services industry since 2004, providing clients with comprehensive wealth management strategies tailored to their individual needs. Ronnie emphasizes a client-centered approach, focusing on listening and facilitating informed decision-making to help clients achieve their financial and legacy goals. With over 15 years of experience, Ronnie specializes in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronnie earned a Bachelor's Degree from Monmouth University and is a member of the American Football Coaches Association. Residing in Millstone Township, NJ, Ronnie lives with his wife, Lisa, and son, Giovanni. Outside of work, he enjoys baseball, boxing, football, and yoga. His professional philosophy centers on understanding clients’ values and goals through personalized communication to deliver tailored financial strategies.

Jeffrey Ternyila is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. for 15 years. 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, and various institutional investors.

Louis Obsuth is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Louis focuses on developing financial plans that aim to benefit his clients and their families both now and in the future. Throughout his career at Fidelity, Louis has built strong relationships with his clients and is committed to partnering with them to achieve their financial goals. His professional experience is centered on financial consulting and investment representation. Outside of his professional work, Louis has personal interests that include beach activities, family activities, parenthood, soccer, and volunteering.

Harry Padden IV is a financial advisor at UBS Financial Services with the Series 66 designation and less than one year of industry experience. His prior roles include work at Appenzeller Training Systems and teaching positions at Monmouth University and AP Schalick High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Daniel Fantozzi is a financial advisor at Cetera with Series 63 and Series 65 licenses and four years of industry experience. He is also involved with Brendon Pierson, Inc., a financial planning and CPA firm that provides financial advice and accounting services. Fantozzi’s work history includes positions at Avantax Advisory Services, The Vanguard Group, and multiple educational institutions. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, corporate, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Eugene Pak is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his work at Wells Fargo, he owns and operates Kirby Advisory Group LLC, a financial advisory practice based in New Brunswick, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services that require specific advisor credentials.

Danielle Libraty is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at Medical Billing Associates before joining UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Arthur Paulin is a financial advisor at Merrill with the Series 66 designation and 21 years of industry experience. He has been with Merrill since 2004. 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 clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Erin Zawisza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining Wells Fargo in 2022, she worked for Bank of America/Merrill Lynch for 11 years. She serves as treasurer for the Crimson Knights Foundation and is a board member of the Killington Grand Hotel Home Owners Association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.

Matthew Catania is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and six years of industry experience. He has worked at MML Investors Services LLC since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Outside of his advisory role, he maintains an active insurance agent position and owns an LLC established for consulting income. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser 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 utilizing firm-approved software and educates clients through seminars, with additional services including divorce planning and estate-settlement programs.

Faissal Yousef is a Series 66 credentialed financial advisor with 21 years of industry experience, currently with UBS Financial Services in Red Bank, NJ since 2017. His prior experience includes roles at Merrill Lynch, A.G. Edwards & Sons, and Morgan Stanley. Outside of his advisory work, he is the proprietor of several rental real estate businesses. 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 resources to tailor client plans. The firm integrates institutional trading capabilities with wealth management services and operates across a broad range of capital markets activities.

Jason Thieme is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2026. Prior to this position, he served as a Branch Leader at Fidelity Investments from 2022 to 2026. In his leadership capacity, Jason is committed to helping associates maximize their potential by following a structured framework for success. Outside of his professional responsibilities, he has interests that include the beach, cars, fitness, pets, reading, and volunteering.

Nicholas Condit is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to design financial strategies that emphasize durability and adaptability over time. His approach focuses on helping clients understand the interaction between investments, cash flow, and risk exposure, aiming to support sound decision-making as market conditions and life circumstances change. Nicholas's expertise includes college education planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, special needs planning strategies, women and wealth, and sports & entertainment. He provides ongoing guidance and disciplined review to help clients stay aligned with their long-term goals and navigate periods of stress with confidence. He holds a Bachelor's Degree from Syracuse University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Nicholas is involved with the Leukemia and Lymphoma Society and has personal interests in football, golfing, music, reading, skiing, spending time with family, swimming, traveling, and watching movies.

Bruce Perhach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Royal Alliance Associates and Investment Advisors Asset Management, LLC. 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 variety of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

David Sasso is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to his current roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, he worked at Citigroup Global Markets for seven years. Outside of his advisory work, he serves as president of the Wall Knights Family Foundation, which focuses on children, youth, and sports. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery processes and established planning tools, serving both retail and institutional markets with diverse investment and advisory services.

Brian Gaffney is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. He has been with LPL Financial since 2000. In addition to his advisory role, he has licensed activities related to non-variable insurance and has been involved in group health insurance sales. 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 portfolio programs, third-party asset management, and institutional platforms.

Eileen Burns is a financial advisor at Cetera with 20 years of industry experience and a Series 66 designation. Her prior work includes roles at Oppenheimer & Co. Inc., Avantax Investment Services Inc., and McLaughlin Financial Group. She is currently associated with Brendon Pierson Wealth Management and Brendon Pierson, Inc. alongside her position at Cetera. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to various investment strategies and program structures.

Anthony Pesini is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. His prior work experience includes roles in education at Lacey Township High School and Middle School, as well as positions at Kean University, Staples, and Ocean County College. He also managed a small business, Anthony's Pizza, from 2021 to 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative planning process using firm-approved software and offers specialized planning services such as divorce planning and estate-settlement programs.

Anthony Cifelli Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His previous roles include positions at Wells Fargo Advisors Financial Network LLC from 2009 to 2017 and Ameriprise Financial Services, Inc. from 2017 to 2020. Outside of advisory work, he is involved in Medicare insurance through Superior Senior Solutions, LLC. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering tailored, research-driven recommendations. The firm combines advisory, brokerage, and insurance solutions, utilizing algorithmic tools and in-house oversight to support retirement income strategies.