Richard Williams is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 66 and Series 63 designations and has been with Merrill since 2010. Outside of his advisory role, he serves as a committee member and fundraising chairperson for Boy Scout Troop 109 in Hillsdale, New Jersey. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Visnovske is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, First Republic Bank, and Morgan Stanley Private Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Sweeney is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Ameriprise, UBS Financial Services, and Morgan Stanley. 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 firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Michael Sheridan is a financial advisor with Edward Jones in Bronxville, NY, holding Series 63 and Series 65 credentials and having 36 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, corporate, and charitable clients. The firm manages approximately $1.01 trillion in assets and operates a large network of advisors and branch offices, offering a range of advisory programs and investment solutions under a fiduciary standard.

Amanda Cain is a CFP® professional based in Ridgewood, NJ, with 22 years of industry experience. She has worked at Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs that include discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Neville Kapoor is a Financial Consultant who partners with clients to understand their short- and long-term financial goals and to develop customized financial plans tailored to their unique needs. He emphasizes forming strong relationships with clients and their families, maintaining trust, reliability, and competency throughout their financial planning journey. Neville works collaboratively with clients to build financial plans, identify strategies for improvement, and maintain open communication. Neville has held various roles in the financial services industry since 2009. His professional experience includes positions such as Vice President - Financial Consultant at Charles Schwab in 2024, Senior Manager in Platinum Relationship Management at Morgan Stanley - ETRADE from 2023 to 2024, Financial Consultant at Morgan Stanley - ETRADE from 2018 to 2023, Financial Solutions Advisor at Merrill Lynch - Merrill Edge from 2014 to 2018, and Licensed Personal Banker in the Private Client division at JP Morgan Chase from 2009 to 2013. Outside of his professional work, Neville has personal interests that include the beach, cars, comedy, social events with friends, music, and traveling.

Kalpana Thakkar is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at The Prudential Insurance Company of America and Pruco Securities, LLC. Outside of her advisory role, she is involved with several business ventures, including 167-169 Newark Ave Realty and Dollar Paradise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a methodology that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Christopher Calabro is a financial advisor with LPL Financial in Elmsford, NY, holding a Series 66 designation and 11 years of industry experience. He previously worked at Ameriprise Financial from 2015 to 2019. Outside of advising, he has worked in a flooring business on a part-time basis. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matthew Foley is a financial advisor at UBS Financial Services with 29 years of industry experience. He has previously worked at Bank of America and Merrill. He serves as an advisory board member for the nonprofit organization Eva’s Village, where he participates in fundraising activities. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Landon Tan is a CFP® with 10 years of industry experience, currently serving as an advisor at LPL Financial since 2020. Prior to joining LPL, he worked at KMS Financial Services / Robin Tan for six years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors and employs both discretionary and non-discretionary strategies, supported by research and technology tools.

Thomas Small is a financial advisor at Raymond James & Associates with 13 years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2015, following a year at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Natasha Madera is a Planning Consultant at Fidelity Investments, where she collaborates with clients and a dedicated team to perform comprehensive assessments of clients' financial situations. In her role, she focuses on developing tailored financial plans that address clients' specific goals and needs, emphasizing the importance of building enduring relationships based on trust and transparency. Prior to her current position, Natasha gained experience as a Relationship Manager at Fidelity Investments from 2023 to 2024. She also worked as a Financial Services Representative at Fortis Lux Financial from 2022 to 2023, a Relationship Banker at Wells Fargo Advisors from 2020 to 2023, and a Private Client Banker at JP Morgan Chase from 2018 to 2019. Outside of her professional career, Natasha has personal interests that include fitness, food, social events with friends, movies, museums, and outdoor adventures.

Anthony Cristiano is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 10 years. Cristiano serves on the board of directors for the Jersey City Medical Center Foundation, assisting with fundraising and events. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to individual, institutional, corporate, and charitable clients through tailored investment strategies and multiple advisory programs that include portfolio management and financial planning. The firm integrates in-house and third-party managers and offers specialized features such as tax management and responsible-investing options.

Neal Desai is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. In addition to his advisory role, he is involved in insurance sales, specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved software to analyze client goals and provide recommendations.

James Cadet is a Series 66 licensed financial advisor with Merrill, based in Paramus, NJ. He has 23 years of industry experience, including previous roles at UBS Financial Services. Outside of his advisory work, he is involved in multiple business ventures including fitness studio ownership and serves on the board of charitable organizations focused on community development and veteran support. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations, implementing both internal Chief Investment Office models and third-party managers.

Kristopher Hargraves is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 66 designation and eight years of industry experience. He previously worked at UBS Financial Services for nine years and has additional experience with Branch Forty and Dominican College. Outside of his advisory role, he is a partner in Living Proof Basketball LLC, a youth basketball camps and training business. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Larry Lensak is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has worked at Cetera and its affiliate firms since 2021 and was previously with Voya Financial Advisors from 2014 to 2021. In addition to his advisory role, Lensak owns a business that provides income tax preparation services and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options, supported by extensive affiliations and a nationwide network of advisors.

Tab Mak is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and has previously worked at MSI Financial Services, New England Securities, and Equitable Advisors. Outside of his advisory role, he also works part-time as an insurance claims adjuster. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by extensive advisor resources and technology.

Christopher Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers a range of advisory and consulting services with a primarily non-discretionary approach.

Tae Kim is a Financial Consultant at Fidelity Investments, a position held since 2014. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2013 to 2014. From 2007 to 2013, he worked as a Financial Advisor at UBS Financial Services. Throughout his career, Tae has focused on partnering with clients to provide tailored investment options and leveraging Fidelity's resources to support clients' financial goals. He emphasizes understanding clients' personal stories to address what is most important to them and their families. Tae holds a California Insurance License.