Timothy Delgado is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' financial goals across short-, mid-, and long-term horizons. He collaborates closely with clients to develop personalized wealth management strategies that align with their priorities and the dynamic conditions of today's markets. Timothy offers expertise in areas including general investing, retirement planning, and emergency savings. He also facilitates access to specialists at Bank of America for banking, credit, home financing, and small business solutions. As a Personal Investment Advisor (PIA), he provides ongoing advice and guidance tailored to clients' evolving needs. He holds a Bachelor's Degree from William Paterson University. Timothy’s approach centers on uncovering what matters most to clients and their families to help pursue their financial goals.

Caesar Abed is a financial advisor with UBS Financial Services in Weehawken, NJ. He holds the Series 63 and Series 66 designations and has been in the industry since 2025. His prior experience includes roles at Charles Schwab & Co., Inc. and Beach City Capital, as well as three years at Chapman University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals, combining institutional trading capabilities with wealth management services.

Dan Leng Della Wu is a financial advisor at Equitable Advisors with Series 63 and Series 65 licenses and 41 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. In addition to her advisory work, she is involved in an outside insurance brokerage business. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary programs and third-party asset managers to deliver tailored investment solutions.

David Edgar is a financial advisor at Merrill with 41 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Southwest Securities/Hilltop Securities for 11 years. 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 individuals, high-net-worth clients, and institutional investors.

Bruce Fischberg is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 65 licenses and with 45 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. He also serves as a trustee for a trust based in Basking Ridge, New Jersey. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process involving advanced modeling tools.

Jayna Kim is a financial advisor at UBS Financial Services with one year of industry experience. She holds the Series 66 designation and previously worked at Shinhan Bank America and Woori America Bank. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions. The firm employs proprietary capital market assumptions and research from its Chief Investment Office and UBS Global Research to tailor investment plans based on clients’ goals and risk tolerances.

Christopher Francese is a ChFC® and holds a Series 66 license with 24 years of industry experience. He has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2021, and previously spent six years at Citigroup Global Markets. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Urja Shah is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 16 years of industry experience. Prior to joining Wells Fargo in 2026, Shah worked at Citizens Securities, Inc., Cetera Investment Services, Investors Bank, INVEST Financial Corp, Santander Securities LLC, and Sovereign Bank. Outside of advising, Shah is involved as a landlord of a rental property. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wide range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Kotarski is a financial advisor with Wells Fargo Advisors in Warren, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009 and owns MJK Capital Corp, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu tailored to clients who meet a net-worth threshold, including specialized services such as business-owner transition planning, sports and entertainment planning, and special-needs analysis.

Matthew Manuwal is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2002 and Bank of America, N.A. since 2014. 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.

Benjamin Irizarry is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Silver Edge Financial. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional offerings.

Christopher Fallon is a financial advisor at UBS Financial Services with a Series 66 credential and one year of industry experience. His prior work includes positions at Soundwatch Capital and Alliant Retirement Consulting. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines wealth management with institutional trading capabilities and provides a range of capital markets services.

Joseph Lombardo Jr. is a financial advisor with UBS Financial Services in Westfield, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with UBS since 2005. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a range of capital markets and research resources to support tailored client solutions.

Ethan Locker is a financial advisor with LPL Financial in Warren, NJ. He holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining LPL Financial, he worked at Equitable Distributors, LLC for three years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Siarra Siebel is a financial advisor at Morgan Stanley with four years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2021. Prior to her current role, she held various positions including private tutoring and a role with the Morris County Sheriff's Office Crime Scene Investigation unit. Morgan Stanley Wealth Management offers advisory programs to both individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages a broad range of client assets and delivers services that include estate planning and institutional offerings.

Joseph Wirtshafter is a financial advisor at Wells Fargo Clearing with a Series 66 credential and one year of industry experience. Prior to joining Wells Fargo, he worked at KPMG LLC for three 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 a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third parties.

Michael Dirocco is a Series 66-licensed financial advisor with Equitable Advisors in Woodbridge, NJ, where he has worked for 13 years. Prior to Equitable Advisors, he was with Axa Advisors for seven years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Russell Rabadeau is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Raymond James Financial. His prior experience includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is also the president of Rabadeau Wealth Group, a support company based in Westfield, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advice using analytical tools and supports advisory programs alongside unique municipal and public-finance capabilities.

Brandon Goldberg is a Financial Advisor with Merrill Lynch Wealth Management. In his current role, he provides financial guidance and wealth management services to clients. Details regarding his specific areas of expertise, experience, education, credentials, personal interests, or community involvement have not been provided.

Christopher Churney is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at J.P. Morgan Securities, Merrill, and Bank of America. 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 combines research and analytics with diversified investment strategies and offers both brokerage and advisory solutions across a large-scale platform.