Jennifer Jervis Babish is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 20 years of experience in the financial industry and joined Merrill Lynch in 2012. Prior to that, she served as a Senior Financial Center Manager for Wells Fargo. Jennifer holds FINRA Series 7 and 66 registrations and has earned professional designations including Chartered Special Needs Consultant (ChSNC) and Personal Investment Advisor (PIA). Her expertise includes personal retirement planning, portfolio management services, special needs planning strategies, women and wealth, and retirement income. Before entering the financial industry, Jennifer was a teacher, which informs her approach to financial education. She focuses on helping women investors and their families by providing financial education and promoting healthy financial habits. Jennifer holds a Bachelor's degree from Saint Thomas Aquinas College. In her personal life, she enjoys cooking, music, pickleball, reading, sewing, spending time with her family, tennis, watching movies, and practicing yoga.

Thomas Kelly is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill and Bank of America since 2026. Prior to his financial industry roles, he worked in various positions including at Louis Vuitton Malletier and other firms. 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.

Helen Alberto is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to identify their short-, mid-, and long-term financial goals and develops portfolio strategies designed to help achieve them. Her approach includes providing ongoing advice and adapting strategies as clients' financial situations evolve, covering areas such as investing, retirement planning, and saving for unexpected events. Helen also facilitates access to Bank of America specialists for banking, credit, lending, and small business solutions. Helen holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Montclair State University. She is proficient in both Spanish and English and is involved in several professional organizations, including the Hudson County Chamber of Commerce, the New Jersey Association of Women Business Owners, and the Statewide Hispanic Chamber of Commerce. Additionally, she contributes to the community through her involvement with Jersey City Medical Center. Outside of her professional work, Helen enjoys activities such as cooking, dancing, playing pickleball and tennis, traveling, and practicing yoga. She values building long-term relationships with individuals and families to support their holistic wealth management across generations.

Joan Nilan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 21 years of industry experience. Her career includes positions at Morgan Stanley Smith Barney, Bank of America, Merrill, Wells Fargo Clearing, and Hornor, Townsend & Kent. Nilan is based in Cedar Grove, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by an extensive network of investment adviser representatives.

Johannes De Waal is a financial advisor at LPL Financial with one year of industry experience. He holds Series 65 and Series 66 designations and has previously worked at Mountain Creek, DCI Inc, and Stevens Institute of Technology. He is also involved with HJP Financial Group LLC, a business related to his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad array of financial services.

Nancy Amalfitano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 41 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007 and previously spent five years at Citigroup Global Markets. Outside of her advisory role, she volunteers as co-chair of the Saddle River Valley Branch at Valley Hospital. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing various strategies and technology to support its network of over 22,000 advisors.

Javier Bustamante is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Financial Services since 2011, with additional experience at Morris Tech Partners and AT&T. Outside of advisory work, he is involved in managing Captain Gambit Studios, LLC and works as a Lyft driver. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable organizations. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports accounts through BNY Mellon Advisors and Pershing custody services.

Walter Janeczek is a Series 66 registered financial advisor with Edward Jones, based in Franklin Lakes, NJ. He has 16 years of industry experience and has been with Edward Jones since 2009. Outside of his advisory role, he is associated with Cascade Medical Enterprises LLC, a medical device business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Lewie Soaivan is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with PFS Investments Inc. since 2012 and Primerica Financial Services since 2010. In addition to his advisory role, he is involved in the sale of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Marc Delgaudio is a financial advisor with Cetera who holds a Series 63 designation and has 33 years of industry experience. His prior work includes positions at Allied Wealth Partners, Securian Financial Services, Minnesota Life Insurance Company, Langdon Ford Financial, and WS Griffith Securities. Outside of advising, he holds ownership or officer roles in several fixed insurance sales businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party money managers across various program types and custodial relationships.

David Schrader is a financial advisor with Ameriprise in Wayne, NJ, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at Merrill from 2008 to 2017 before joining Ameriprise Financial Services, Inc. and subsequently Ameriprise. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to generate personalized recommendations, delivered through a centralized consulting team in partnership with financial advisors.

Sue Thompson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and having 28 years of industry experience. She has been with Cambridge Investment Research Advisors and its affiliated entities since 2010. In addition to her advisory role, she is also active as a real estate agent with Coldwell Banker Realty. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of portfolio management options and model-based strategies, with both proprietary and third-party approaches, tailored to client objectives across multiple platform arrangements.

Howard Genden is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 31 years of industry experience. His career includes roles at Cetera Wealth Services, North Ridge Securities Corp., and American Portfolios Financial Services. He is also involved in insurance sales and owns Pace Financial Services and POHS Institute. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm operates a multi-manager platform offering model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets through a large network of advisors.

Douglas Posluszny is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with UBS Financial Services since 2006 and has worked at Bergen Community College since 1993. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Rene Delgrosso is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. Outside of his advisory role, he is involved with Pushing Up People, Inc., a business formed for Primerica purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Bernard Fasciano is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 65 and Series 66 licenses with 27 years of industry experience. He has been with UBS since 2014 and operates a separate licensed private detective business. Fasciano is involved with Habitat for Humanity of Bergen County as an advisory committee member and volunteers for the Bay Head Shores Property Owners Association in New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and institutional trading capabilities with wealth management services.

Jesse Newman is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he worked at Equitable Advisors, LLC, InvestorFlow, Intralinks, and ATSG. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joshua Underwood is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, Deutsche Bank Securities Inc., and Citigroup Global Markets. 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.

Joseph Rass is an adviser with LPL Financial holding a Series 66 designation and has been in the industry for less than one year. His prior experience includes roles at Northern Advisory Group and New Jersey Institute of Technology, as well as positions in education at multiple schools. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Leonel Hernandez Navarro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America, Merrill, TD Bank, UPS, and Five Guys. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.