Emilia Gale is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in financial and wealth management services to families and business owners. She 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). Emilia focuses her expertise on areas such as college education planning, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. Emilia holds a Bachelor of Arts degree in Economics from Drew University and is a member of the Drew Alumni Association. She is fluent in English, Portuguese, and Spanish, and conversant in French. Emilia is actively involved in community organizations including the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She also participates in the Portuguese Community and the East Side High School Alumni Association. Emilia resides in Westfield, New Jersey.

Anthony Alfano is a financial advisor with Cetera, holding the CFP® designation and Series 66 license, and has 13 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Alfano volunteers with 3rd Decade, providing financial education to individuals who cannot afford professional advice. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients. The firm offers a broad range of investment advisory and retirement services through a network of over 10,000 advisors and manages more than $256 billion in assets.

Michael McCabe is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He applies a goal and needs-based holistic approach to assist individuals, families, and businesses in pursuing their financial objectives. His work involves thorough planning conversations with clients and utilizing Fidelity's information, technology, and tools to support their financial success. Michael's strategy focuses on planning areas including investment planning, tax-efficient investing, income planning, and legacy planning considerations. Prior to joining Fidelity, he gained experience as a wholesaler and financial services education consultant at Allstate Financial Services from 2017 to 2021, served as a field sales associate at State Farm from 2014 to 2017, and worked as a registered representative at MetLife from 2009 to 2014. Outside of his professional role, Michael's personal interests include spending time at the beach, attending concerts, caring for pets, skiing, traveling, and practicing yoga.

Antonia Locascio is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Her background includes roles at Fidelity Investments and various positions outside the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm also offers fund advisory and model portfolio services, with involvement in commodity pool operations and registered investment company management.

Gerard Rabadeau is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group. Rabadeau is also co-owner of Rabadeau Wealth Group, a support company outside standard investment business activities. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm provides tailored, non-discretionary advisory services using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

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.

Anne Schnuriger is a financial advisor at Merrill with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Outside of her advisory role, she is associated with a plumbing and heating business operated by her husband. 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 using model-based and discretionary investment strategies.

Richard Hagerty is a financial advisor at Ameriprise Financial Services with 27 years of industry experience. He holds a Series 66 designation and has worked previously at UBS Financial Services and Merrill. Outside of his advisory role, he is involved with The Atlantic Club in Manasquan, NJ, assisting members as floor staff. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Stacie Ann Lites is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and eight years of industry experience. Her background includes roles at Allstate, Shipt Inc, and North American Risk Services, among others. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to serve a broad client base, including registered investment companies and charitable funds.

Keith Owitz is a financial advisor with Edward Jones in Holmdel, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and also operates Owitz Consulting Services, LLC, which he founded in 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Michael Isaacson is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and previously worked at AT&T for eleven years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Finn is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has previously worked at Pzena Investment Management, Deutsche Bank Securities Inc., and Deutsche Bank Trust Company AM. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning agreements.

Jeffrey Herman is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 11 years of industry experience. Prior to joining Wells Fargo in 2017, he worked at UBS Financial Services from 2015 to 2017. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment solutions.

Patrick Gill is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at McLanahan's and has been involved in various roles including at Penn State University. He serves as a Sports and Social Committee Member for the Penn State Alumni Chapter in Lehigh Valley, PA. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers, serving clients through a network of Investment Adviser Representatives.

Nicole Adler Frigoletto is a CFP® professional with eight years of experience in the financial services industry. She has worked at LPL Financial since 2023 and concurrently with River's Edge Wealth Partners since 2020. Her prior roles include positions at Wells Fargo and The MDE Group, Inc. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Steven Goldberg is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. He has 32 years of industry experience, including 24 years at Family Investors Company prior to joining Cambridge in 2024. Goldberg serves as a board member and volunteer for the Fanwood-Scotch Plains Rotary Club and is the vice president of BNI - Select Business Source, a networking organization. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides access to third-party advisers and proprietary model strategies.

John Cornacchia is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He previously worked at Citigroup Global Markets from 2002 to 2009 and Wells Fargo Clearing from 2016 to 2022. Cornacchia also owns Cornacchia Wealth Management, LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions, offering a broad range of planning options including retirement, education, risk management, and niche services such as business-owner transition and special-needs planning. Advisors utilize Wells Fargo research and tools to develop tailored recommendations, with clients choosing whether and how to implement them through brokerage or advisory programs.

Carolyn Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney for 12 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, supported by a large network of investment adviser representatives and a variety of advisory platforms.

Ryan Luckman is a financial advisor with LPL Financial, holding a Series 66 credential and one year of industry experience. He has prior experience with ClearFocus Financial and The Investment Center, Inc. Outside of his advisory work, he has been involved in operating hospitality-related businesses including The Liquor Factory and Alibi Beach Bar & Grill. 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 financial services including advisory and brokerage solutions, financial planning, and access to third-party asset management across various platforms.