Daniel Reno is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Bank of America, N.A., Merrill Lynch Pierce Fenner & Smith, and Trademark Management Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ian Lynch is an International Wealth Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1997, providing financial advice to individuals, families, and businesses. Ian employs a disciplined process focused on understanding each client’s specific needs, concerns, and priorities, and works collaboratively to develop comprehensive plans aimed at achieving their financial goals. Ian's expertise includes financial and investment advisory services, retirement planning, insurance solutions, wealth transfer strategies, and portfolio management. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a qualified Portfolio Manager, Ian manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies, often on a discretionary basis. He earned a bachelor's degree in finance from Rutgers University and resides in Warren County, New Jersey, with his wife, Christine.

Brian De Leon is a financial advisor at J.P. Morgan Securities with credentials including Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at Credit Suisse and Bank of America. Brian is based in Summit, NJ. J.P. Morgan Securities 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Timothy Tedesco is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses with six years of industry experience. His prior roles include positions at Ernst & Young Investment Advisers LLP and Redcom. Outside of finance, he is involved in youth and amateur ice hockey as a coach and owner of an ice hockey camp, and he serves as chapter president of a hockey networking and charity organization. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers structured, collaborative planning engagements using proprietary software tools and also provides event-driven planning services such as divorce and estate-settlement planning.

Constance Foley is a financial advisor at Merrill with over 32 years of industry experience. She holds Series 63 and Series 66 registrations and has previously worked at Morgan Stanley Smith Barney, Charles Schwab, and Charles Schwab Bank. Foley serves as an advisory board member for the Women in Leadership Program at the University of New Haven. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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, and institutional accounts.

Sunil Bhavnani is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2019. Bhavnani serves on the board of directors for Scientech Labs Inc., an analytical testing laboratory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Shameka Wombley is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. She has worked at Bank of America and Merrill since 2004. Outside of her advisory role, she is a member of The Tufted Chaise LLC, an interior design consulting business. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Stephan Dipierno is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he serves as Vice President of the Raritan Tenants Corp board and acts as a power of attorney for his father. 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, emphasizing collaborative, goal-oriented planning without discretionary investment authority.

Andrew Stype is a financial advisor with Merrill in Iselin, NJ, holding a Series 66 designation and 13 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2013. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Deborah Kennedy is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with J.P. Morgan Securities since 2000 and has worked at JPMorgan Chase Bank, N.A. since 1995. Outside of her advisory role, she serves as a trustee for the Paper Mill Playhouse, a regional not-for-profit theatre. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain decision-making authority.

Tejaswi Patel is a financial advisor with LPL Financial in Somerset, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2024, Patel worked at Cetera Advisors LLC, First Allied Advisory Services, and First Montauk Securities Corp. Patel also engages in selling non-variable insurance products through Ash Brokerage Corp. 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 portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Omega Mcintosh is a financial advisor with LPL Enterprise holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Enterprise in 2024, Mcintosh worked at Prudential Insurance Company of America and Pruco Securities, with earlier roles at J.P. Morgan Securities and Bank of America, among others. Outside of finance, Mcintosh serves as a board member for Brooklyn Faith Seventh Day Adventist Church and works as a paralegal for the New York City Law Department. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, offering financial planning, access to third-party asset managers, and additional services such as affiliated trust custody and insurance product facilitation.

Erisa Bida is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2019. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Emma Poalillo is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 designations and three years of industry experience. Her prior roles include positions at Jack Oujo CPA, Inc DBA Oujo Wealth Strategies, Avantax Investment Services Inc, and Gilmartin Financial. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of products, including fee-based financial planning and discretionary portfolio management.

Craig Marquardt is a financial advisor with LPL Financial in Somerset, NJ, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Merrill. Outside of his advisory work, he participates in a health insurance plan through LifeX. 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 services including financial planning, model portfolio programs, and institutional platforms, supporting advisory strategies with research and technology tools.

Ann Trainor is a financial advisor at UBS Financial Services with 27 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Morgan Stanley and Citigroup Global Markets. Outside of advising, she serves as a director for Conesco Industries, a supplier of concrete form work materials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

David Nader is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Osaic since 2025. Prior to joining Osaic, he worked for Lincoln Financial Advisors Corp. for 22 years. Outside of his advisory work, he co-owns ASDN Ent., LLC, which provides marketing and brand-building services to martial arts athletes. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors and advisory platforms. The firm employs a range of asset-allocation tools and portfolio management strategies, offering integrated brokerage and advisory services supported by various third-party platforms.

Jennifer Mack is a Series 66–licensed financial advisor at Merrill with 10 years of industry experience. She has been with Merrill since 2013. 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, pension plans, corporations, and charitable organizations.

Michael Salerno is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Raymond James, he spent 14 years at Commonwealth Financial Network. Salerno is also an independent contractor for Executive Wealth & Retirement Strategies, a financial planning company operating under a DBA. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through affiliations uncommon in large institutional advisors.

Christopher Meredith is a financial advisor at Charles Schwab with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2012, including a year at Charles Schwab Bank. Charles Schwab & Co., Inc. provides wealth advisory, brokerage, custody, and cash-sweep services primarily to high- and ultra-high-net-worth individuals. The firm offers both non-discretionary and discretionary investment management through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts.