Michael Falco is a CFP® professional with five years of experience, currently serving as a financial advisor at Primerica Advisors. He has worked with Primerica since 2020 and concurrently holds positions in education and community sports, including roles as a full-time teacher and as owner/director/coach of Garden State Basketball Academy. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and selectively managed accounts to individual and high-net-worth clients within a wrap-fee structure. The firm employs an independent due-diligence process for asset managers and delegates trading to BNY Mellon Advisors.

Ethan Friedman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, focusing on comprehensive wealth management. His approach integrates insights from Merrill and the banking and lending capabilities of Bank of America to adapt strategies to evolving market conditions. Ethan's expertise includes services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Wisconsin Madison. In addition to his professional work, Ethan is committed to community involvement and spends time volunteering with local organizations. Outside of work, his personal interests include ice hockey, music, reading, running, traveling, and spending time with his family.

Joseph Troiano is a Series 66 licensed financial advisor with Merrill in Cranford, NJ, and has 14 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce, Fenner and Smith 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 and profit-sharing plans, corporations, and charitable organizations.

Irina Ilina is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds the Series 65 and Series 63 licenses and has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.

Tharaka Ramdeo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and two years of industry experience. His work history includes roles at Wells Fargo Bank and PNC Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Amanda Reed is a financial advisor at UBS Financial Services with eight years of industry experience. She holds the Series 66 designation and previously worked at Thomson Reuters for one year before joining UBS in 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Tinu Thompson is a financial advisor with Merrill in Somerville, NJ, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Thompson has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Reilly is a financial advisor at Cetera with 29 years of industry experience. He holds the Series 63 designation and has worked previously with Allied Wealth Partners and Securian Financial Services. Outside of advising, he is also an insurance agent and broker. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary program options.

Jeffrey Tucker is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Smith Barney LLC and Merrill Lynch, Pierce, Fenner & Smith. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options in its offerings.

David Kraus is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked at Bank of America and Merrill before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Nicholas Schraft is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Wealth Enhancement Group and MACRO Consulting Group. Merrill, along with its affiliate Managed Account Advisors LLC, offers 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.

David Macchia is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and 13 years of industry experience. He previously worked with Equitable Advisors and Axa Advisors. In addition to his advisory role, he is involved in outside insurance sales through IWMG Consulting LLC and serves as president of Ironbound Wealth Management Group, a DBA for MassMutual. 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 financial planning engagements and various specialty programs such as divorce and estate settlement planning.

Adam Olszowy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and eight years of industry experience. He has worked at Wachovia Bank, N.A. and Wells Fargo Advisors LLC since 2010. Outside of his advisory role, he serves on the finance committee of the Zoological Society of New Jersey. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jonathan Strelec is a CFA® charterholder with 14 years of experience in the financial industry. He is currently affiliated with J.P. Morgan Securities and has prior experience at UBS Financial Services and Purshe Kaplan Sterling Investments. Outside of his advisory work, he is involved in the Strelec Watch Company. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael Bialko is a Planning Consultant at Fidelity Investments, a position he has held since 2020. He has been affiliated with Fidelity Investments since 2014, previously serving as Relationship Manager from 2016 to 2020 and Investment Consultant from 2014 to 2016. Prior to joining Fidelity, he worked as a Senior Account Service Associate at NYLIFE Securities from 2010 to 2014. With nearly two decades of experience in financial services, Michael focuses on partnering with clients to develop comprehensive wealth plans tailored to their unique needs. He emphasizes understanding each client's individual situation to co-create a roadmap aimed at achieving financial peace of mind for them and their families. Outside of his professional responsibilities, Michael is interested in beach activities, spending time with family, fitness, football, golf, and volunteering.

Antonio Paturzo is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Perinelli is a financial advisor with Mass Mutual Investors Services in Staten Island, NY, holding a Series 63 designation and 15 years of industry experience. His career includes roles at MetLife Securities Inc. from 2011 to 2017 and at MassMutual life Insurance Company since 2016. Outside of advising, he serves as an arbitrator on FINRA arbitration panels and is a co-owner of Wealth Protection Strategies LLC, an entity established to act as a beneficiary for life insurance designations. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as annual, collaborative relationships using firm-approved tools to analyze client goals and offers additional services including wrap programs and educational seminars.

George Batelli Jr. is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that integrate both advisory and brokerage capabilities.

Rocco Gallo is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current role, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he owns and operates Gallo Family Enterprises LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

Lewis Rauter is a financial advisor at Wells Fargo Advisors with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2012. Rauter has also been involved with Marquis Wealth Advisors, LLC and LWR41 Advisors Inc., where he holds ownership stakes and serves as a financial advisor. 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, including cash-flow, retirement, education, and niche planning areas, utilizing Wells Fargo research and planning tools to develop tailored recommendations for clients.