Francesca Milde is a financial advisor at Ameriprise with six years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Morgan Stanley and Oppenheimer & Co. Inc. Outside of finance, she works as a substitute yoga instructor in Glen Rock, NJ. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service focused on written recommendation reports and ongoing annual retirement-income planning using proprietary research, third-party data, and algorithmic tools.

Adedire Fakorede is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America, NY Life Securities LLC, and Northwestern Mutual. 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, with clients retaining final decision-making authority.

Kristen Mackey is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her work history includes positions at Bank of America Private Bank and Dow Jones. 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.

Jonathan Licata is a Series 66-licensed financial advisor with Wells Fargo Advisors in Paramus, NJ, and has five years of industry experience. Before joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing from 2019 to 2025, and previously held roles at Randstad Temp Agency and Manhattan College. Outside of his advisory duties, Licata coaches youth hockey for the Ramapo Youth Hockey Association in Monsey, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients who meet a net-worth threshold. The firm combines advisory services with various financial products and planning strategies to address diverse client needs.

Emilio Montina is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on connecting clients with tailored strategies to help pursue their personal financial goals. He works closely with clients to understand their priorities and develops personalized plans that address various needs including investing, retirement planning, and saving for unexpected events. Emilio is designated as a Personal Investment Advisor (PIA), which supports his advisory work. Emilio holds a Bachelor's Degree from Dominican University.

Jeffrey Fedor is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized investment strategies aligned with their financial goals. His approach involves providing investing advice and access to banking and lending services through Bank of America. Jeffrey holds a Bachelor's degree from Montclair State University and an MBA from Seton Hall University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses wealth management strategies, financial markets insights, and retirement planning. Outside of his professional work, Jeffrey engages in activities such as biking, boating, fishing, golfing, skiing, woodworking, and yoga, and he spends time with his family.

Laurie Gross is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and over 25 years of industry experience. She has worked with Raymond James since 2008 and also owns Laurie Gross Wealth Management, LLC. Outside of advisory services, she has owned a support company focused on business operations. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public finance through a unique affiliation with a municipal advisor.

Indira Valladares is a financial advisor at Charles Schwab with 11 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Michael Zahn is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques to support clients in developing customized plans.

Michael Ravensbergen is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016. Ravensbergen serves as a board member for Drew University College Alumni, participating in reunion and alumni programming as well as admissions events. 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, pensions, corporations, and charitable organizations.

Joseph Tavano is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2014, following two years at Wells Fargo Clearing. 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 advisory framework.

David Heller is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 63 designation and has worked at Royal Alliance Associates, Inc., Mass Mutual Investors Services, and Mass Mutual Life Insurance Company. Outside of his advisory role, he serves as a sales agent providing client service on insurance policies and is the managing director of Sanders Smith Ltd. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Christina Giraldi is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 63 designation and 10 years of industry experience, all with her current firm since 2016. Outside of her advisory role, she works as a bartender for a catering business in the Township of Washington, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions through a large network of advisors.

Michael Bishay is a financial advisor with Fidelity, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Morgan Stanley, JP Morgan Chase, and Merrill. Outside of finance, he is the owner of a tanning salon and retail business in New York City. Fidelity Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves retail and institutional investors and manages multiple registered investment companies and model portfolios.

Jessica Ruff is a financial advisor with Merrill in Ramsey, NJ, holding a Series 66 designation and six years of industry experience. She has been associated with Bank of America and Merrill since 2015. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Budds is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. He also has a background with Bank of America, where he has worked since 2011. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Ralitsa Delgado is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has 18 years of industry experience, including 13 years with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities, and three years with Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process incorporates quantitative and qualitative due diligence, uses forward-looking capital market assumptions, and may include ESG criteria.

George Oviedo is a CFP® professional with 17 years of experience in the financial industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2020, and previously at TD Ameritrade from 2016 to 2020. He holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining integrated custody, brokerage, and advisory services.

Elliot Skriloff is a Senior Vice President, Senior Financial Advisor, and Portfolio Manager based in the White Plains, New York office of Merrill Lynch Wealth Management. He provides financial advice and investment management strategies, focusing on retirement planning, wealth transfer, estate planning services, and total wealth management. His approach considers each client's risk tolerance, time horizon, liquidity needs, overall investment goals, and associated costs. His clientele includes affluent individuals and families, corporate executives, business owners, households with special needs members, and non-profit organizations. Elliot has been in the financial services industry since 1993 and has been with Merrill Lynch Wealth Management since 2004. He employs a defined process to understand his clients' specific situations, establish objectives, develop strategies, recommend solutions, and monitor progress towards their goals. As a Portfolio Manager, he manages personalized or defined strategies on a discretionary basis, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. He holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations. Elliot earned a Bachelor's degree with a major in Finance and a minor in Economics from Ithaca College. He resides in Armonk, New York with his wife and two children and participates in community volunteer organizations.