Thomas Ela is a ChFC® credentialed financial advisor with 41 years of industry experience. He is currently affiliated with Cetera and has been leading Ela Financial Group, Inc. since 1997. Outside of advising, he serves as a board member for a homeowners association, advising on guidelines and upkeep. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with both discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Richard Panchery is a financial advisor with UBS Financial Services in Hillsborough, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at UBS since 2000. Outside of his advisory role, he is involved as a passive referral associate with the Passaic County Board of Realtors Referral Network. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Gabriel Eriksson is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and has previously worked in mortgage roles at Wells Fargo Home Mortgage and American Federal Mortgage Corp. Prior to his finance career, he worked at Montclair Golf Club at Rockspring and spent time in school from 2018 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets with a large national network of financial advisors and branch offices, offering various advisory programs and investment solutions under a fiduciary standard.

Kevin Mccartney is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 25 years of industry experience. His career includes roles at MassMutual Life Insurance Co and MSI Financial Services, Inc. since 2005. 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 offers various programs including wrap and money-manager services, and educational seminars.

Nikos Antivachis is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at Lincoln Financial Securities Corporation for 10 years. Outside of his advisory role, he serves as a board member and Travel/Tournament Director for the Branchburg Baseball Club. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a multi-advisor platform with brokerage and advisory services such as comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by a range of strategies and third-party manager options.

Pilar Cantor Gil is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she is co-manager of APA Enterprises LLC, an e-commerce business owned jointly with 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Peter Sit is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 36 years of industry experience. His prior positions include long tenures at Ic Advisory Services, Inc. and The Investment Center, Inc. He also serves in a fiduciary capacity for the Yvonne Franzese Irrevocable Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, leveraging a large network of investment adviser representatives and various advisory platforms.

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.

Martine Pate is a Senior Financial Advisor with Merrill Lynch Wealth Management. She focuses on helping clients develop personalized wealth management strategies tailored to their unique financial goals, including legacy planning, personal retirement planning, women and wealth, and retirement income. Martine works closely with clients to create flexible strategies that adapt to changing market conditions while providing access to Merrill’s investment insights and Bank of America’s banking and lending solutions. Martine holds a Bachelor's Degree from Wagner College and is designated as a Personal Investment Advisor (PIA). In addition to her professional work, she is involved in community volunteer activities, reflecting her commitment to the communities Merrill Lynch serves.

Michael Nemeth is a financial advisor with UBS Financial Services, holding a Series 63 designation and 40 years of industry experience. He has been with UBS since 2005. UBS Financial Services Inc. 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 while providing proprietary research and a wide range of capital markets services.

Patrick Giblin is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory work, Giblin serves as treasurer for the Garden State Irish Festival Foundation, holds elected positions in local government, and participates on the boards of several community and alumni organizations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory solutions, utilizing proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary fee-based financial planning and a broad range of capital markets offerings.

Scott Silverstein is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., as well as non-financial positions such as at Rolling Hills Country Day Camp and Quick Copper Communications LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Michael Vespucci Paxson is a Financial Consultant at Fidelity Investments. He partners with clients to help them create, implement, and maintain their personal financial plans, aiming to be a trusted consultant by understanding their priorities and guiding them to suitable strategies and resources offered by Fidelity. Michael has worked with Fidelity Investments in various roles since 2015, including Financial Consultant from 2015 to 2019, Planning Consultant from 2020 to 2023, and Financial Consultant since 2023. He holds a California Insurance License.

Nancy Bernstein is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 licenses and over 41 years of industry experience. Prior to joining UBS in 2022, she worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank from 2014 through 2022. Outside of finance, she was president of a T-shirt business called Queen TS, which is no longer active. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining model-based asset allocations with proprietary research and institutional trading capabilities. The firm offers a range of investment and financial planning services, operating as a broker-dealer, registered investment adviser, and futures commission merchant.

Pamela Whitman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has worked at Wells Fargo since 2016 and previously spent four years at Merrill. 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 a range of brokerage and advisory solutions.

Dhruv Oberoi is a Financial Advisor - FADP with Merrill Lynch Wealth Management, specializing in comprehensive wealth management and long-term financial planning. He focuses on client areas including college and education planning, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income. With over 20 years of experience studying markets and investing, Dhruv holds a Bachelor’s degree from the University of Iowa and a Master’s degree in Finance from Baruch College. He holds the Personal Investment Advisor (PIA) designation and provides a wide range of services such as investment management, everyday banking, home loans, business banking and lending, retirement planning, college savings, and trusts and estate planning. He is fluent in Hindi and English. Dhruv values building long-term relationships with his clients and aims to be a proactive resource for their financial needs. Outside of his professional duties, he is involved with Bank of America volunteering and enjoys interests such as billiards, bowling, golfing, reading, spending time with family, table tennis, tennis, and watching movies.

Rosa Campa Hearne is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her CIMA designation from the Investments & Wealth Institute™ after completing education through the Wharton School of the University of Pennsylvania. Professionally, Rosa focuses on assisting high net worth individuals, small businesses, foundations, and retirees with managing risks and achieving long-term financial goals. She employs a team approach to estate and financial planning, collaborating with clients' attorneys and CPAs. She also has an interest in special needs planning and serves as a regional coordinator for the Special Needs Trust community. Rosa holds a bachelor's degree from the State University of New York at Binghamton, with a double major in History and Music, and graduated from LaGuardia High School of Music and Art in Manhattan. She resides in Monmouth County, New Jersey. Her personal interests include skiing, golf, hot yoga, and the sport of fencing, where she participates as a referee and serves on the Executive Committee and Tournament Committee of the New Jersey Division of the United States Fencing Association. She is involved in local community organizations such as the United Way of Monmouth County.

Alfonso Gialanella is a CFP® professional with 28 years of industry experience, currently with Wells Fargo Advisors since 2025. He previously worked at Wells Fargo Clearing for nine years and Prudential Equity Group, LLC for three years. Outside of his advisory role, he serves as a firefighter with the Scotch Plains Volunteer Fire Department. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by proprietary research and tools, allowing clients to receive tailored recommendations and choose implementation through various brokerage or advisory programs.

Laila Phillips is a financial advisor with J.P. Morgan Securities in Summit, NJ, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and Shorenstein Realty Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations where applicable.

Andrew Rathbun is a financial advisor at Edward Jones with 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for eight years. Rathbun is also the owner of Andrew J Rathbun Marketing Advisors, LLC, a marketing consulting business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a variety of investment advisory programs and maintains a large network of financial advisors and branch offices across the country.