David Mera Hernandez is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and currently serves at Bank of America, N.A. since 2022. Prior to his financial services career, his background includes roles at Planet Honda, Fastenal Company, BJ's Wholesale, and Rutgers University. 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 plans, corporations, and charitable organizations.

James Hofmann is a CFP® professional with 15 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He also owns and operates Information Technology Recycling, LLC, a business he has been involved with since 2011. Additionally, Hofmann serves as a committee member of the Sussex County GOP Republican Committee in Byram Township, NJ. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jeffrey Steinmann is a CFP®-certified financial advisor with 26 years of industry experience. He has been with OSAIC since 2018 and previously worked for John Hancock Mutual Life Insurance for 20 years. Outside of his advisory role, he serves as a varsity ski team coach in Rye, New York. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with portfolio optimization tools and offers both brokerage and advisory services across multiple program types.

Sean Stevens is a Series 66-licensed financial advisor with Morgan Stanley in Morristown, NJ, where he has worked since 2016. He has 10 years of industry experience, primarily within Morgan Stanley Private Bank and Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to develop financial plans.

Michael Taggart is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior roles include positions at JPMorgan Securities, JPMorgan Chase Bank, Bank of America, and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, pension plans, corporations, and charitable organizations with a variety of advisory programs and customized portfolio management strategies incorporating both in-house and third-party investment managers.

Roderick Arias is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and over 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wachovia Bank, N.A. for 22 years and Ameriprise for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm combines research and analytics with diversification principles to offer both brokerage and advisory solutions.

Russell Smith is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2012. Outside of advising, he owns The RCS Group, LLC, a financial planning business, and serves on the investment committee for Safe & Sound Somerset. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Lauren Schneider is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to her financial services career, she was employed at Fox News Channel / Newscorp from 2008 to 2017 and had a brief role at Ninety Acres at Natirar in 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Reisman is a financial advisor at Mass Mutual Investors Services with 20 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Edward Jones, Equitable Advisors, Bank of America, and Merrill. Reisman serves as Vice President of the Board of Trustees for the Commission on Accreditation for Home Care, a nonprofit organization. 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 collaborative annual planning relationships supported by firm-approved analytical tools and a range of specialized planning programs.

Stacey Roman is a Series 66-licensed financial advisor with 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has held roles at Wachovia Bank, N.A., Banc of America Investment Services, Inc., Quick & Reilly, Inc., and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research-driven investment strategies with a broad range of financial products and operates with over 14,000 financial advisors managing approximately $671 billion in assets.

John Legband is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and having nine years of industry experience. His prior roles include positions at E*Trade Securities LLC, JPMorgan Chase Bank, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and the Estate Planning Strategies Group.

Ryan Conklin is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith, Incorporated from 2014 to 2020 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and modeling techniques.

Christopher Stapleton is a CFP® with two years of industry experience, currently serving as a financial advisor at Raymond James Financial in Westfield, NJ. His prior roles include positions at Guideline Financial Strategies, GWN Securities, and Academic Analytics, as well as experience in education and community organizations. Outside of his advisory work, he is involved with Rabadeau Wealth Group in a client service capacity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning supported by analytical modeling and maintains unique municipal advisory capabilities alongside customized employer advisory services.

James Elsman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at A. G. Edwards & Sons, Inc. from 2003 to 2008. He also serves as co-trustee for his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and uses research and analytics to inform its investment approaches, including discretionary and non-discretionary retirement plan services.

Gandolfo Taravella is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He has held prior positions at Morgan Stanley and Merrill. Outside of his advisory work, he is involved in managing family-owned rental properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Meredith D'Ovidio is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Her career includes multiple roles at Morgan Stanley since 2021 and prior work at Waterlily and Loyola University Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and advanced planning tools to develop tailored financial plans.

Joseph Falbo is a financial advisor with LPL Financial, holding the CFP® designation and securities licenses Series 63 and Series 65. He has 31 years of industry experience, having previously worked at National Planning Corporation, Cetera, and Wells Fargo Clearing. He is also an author through Falbo Education. 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 with access to model portfolios, third-party management, and institutional platforms.

Richard Byank is a CFP® and ChFC® credentialed advisor with 21 years of industry experience. He currently works at Cetera and previously spent 19 years at Ameriprise Financial Services. He also has an active role as a Wealth Management Advisor with Wealthspring Financial Partners LLC, providing financial planning and portfolio management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Lori Villatoro is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and 14 years of industry experience. She has been with Morgan Stanley Smith Barney since 2004. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates advanced modeling tools.

Stephen Smoragiewicz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has more than 20 years of experience advising leading hedge funds and asset managers in the finance industry before focusing on wealth management for individuals and families. Based in Summit, New Jersey, Stephen works with clients who have achieved considerable success, providing customized and comprehensive financial strategies that include asset and liability management to help clients reach their financial goals. Stephen graduated from Providence College with a Bachelor's degree in Business Management and holds the designation of Personal Investment Advisor (PIA). He leverages his extensive background in capital markets to create differentiated wealth management experiences, assisting clients with areas such as retirement income, legacy planning, tax minimization, and family wealth management strategies. Outside of his professional work, Stephen is active in several community organizations including the Summit Soccer Club, Summit Youth Basketball, Summit Youth Lacrosse, and The Benevolent and Protective Order of Elks. He resides in Summit, NJ with his wife and three children.