Laura Pechfelder is a Series 66 licensed financial advisor with 21 years of industry experience. She is currently with UBS Financial Services and previously worked at Merrill and Preferred Pediatric Orthopedic Surgery. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Irene Europa is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she tutors mathematics through the Department of Education’s Champion Learning program. 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 vehicles and bank deposit sweep options among its investment offerings.

Tim Beckemeyer is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Robert Desfosses is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with Merrill since 1984 and concurrently with Bank of America since 2011. 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 various institutions.

Edward Noonan is a financial advisor with LPL Enterprise in Paramus, NJ, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has worked at Prudential Insurance Company of America since 1985 and was associated with Pruco Securities, LLC. from 1985 until 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through both advisory and brokerage channels.

Melissa Naylor is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, bringing 16 years of industry experience. Her prior work includes roles at Morgan Stanley and First Allied Advisory Services. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and platform options tailored to client objectives.

Lucy Coyle is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. She has been with LPL Financial, including its predecessor LINSCO/Private Ledger, since 2005. Outside of her advisory role, she provides non-variable insurance products as part of her financial planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

Steven Fornasieri is a financial advisor with Ameriprise Financial Services, Inc. in Wyckoff, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise since 2005. Outside of his advisory work, he is involved in managing two small business entities related to office services and professional expense flow-through. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team that delivers tailored, non-discretionary recommendations using a combination of research, modeling, and tax-efficiency analysis, with a focus on Ameriprise-managed accounts.

Andrew Young is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Wells Fargo Advisors and Morgan Stanley. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which provides asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Melanie Balikjian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both 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 combines broad retail and institutional offerings with specialized services such as private funds and structured products.

Scott Covitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on constructing individualized financial strategies that address all areas of his clients' financial well-being, including asset allocation, education funding, retirement planning, insurance analysis, debt management, and banking resources. Scott has been recognized on The Forbes "Best-in-State Wealth Advisors" list, including most recently in 2025. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from West Virginia University. He is also a member of Sigma Alpha Mu. In addition to his professional work, Scott is involved with St. Jude. His personal interests include baseball, golfing, hiking, spending time with his family, traveling, and yoga.

Jeanne Gagliardi is a financial advisor with Wells Fargo Clearing Services LLC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She has worked previously at Ameriprise Financial Services, National Asset Management, and National Securities Corporation. In addition to her advisory role, she serves as a notary public in New City, New York. 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 both brokerage and advisory solutions.

Patrick Murray is a Financial Advisor at Merrill Lynch Wealth Management. He transitioned to individual wealth and financial advisory in 2024 after retiring from a 33-year career on Wall Street in Institutional sales and trading. During his tenure, he accumulated experience navigating various market cycles and financial strategies. Patrick focuses on helping clients achieve both short- and long-term financial goals. Patrick holds a B.A. in Business Marketing from New England College and an M.B.A. in Finance from Fordham University’s Gabelli School of Business. He is licensed with Series 24, 7, 66, and 63, and holds the CERTIFIED FINANCIAL PLANNER® designation as well as the Personal Investment Advisor (PIA) credential. His client focus areas include college education planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. Outside of his professional work, Patrick is involved with the Summit Elks Lodge #1246 and is a member of the Manasquan River Golf Club. He enjoys adventure sports, baseball, bungee jumping, fishing, football, golfing, music, pickleball, skiing, and spending time with his family.

Anatoliy Keslin is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds the Series 66 designation and has worked at Prudential Insurance Company of America since 2004, including a 20-year tenure at Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management through an integrated platform.

Jacob Vaknin is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Raymond James since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension and profit-sharing plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services.

David Parsekian is a Wealth Management Advisor at Merrill Lynch Wealth Management. He draws on over three decades of financial services experience to work closely with individuals, multiple generations of families, and successful entrepreneurs as they manage, preserve, and transfer their wealth. He offers a broad range of services including retirement income planning, wealth transfer, trust and estate planning, as well as access to banking, credit, and lending services through Bank of America. David's approach begins with a thorough understanding of his clients' priorities and goals, which informs his development of personalized financial strategies. He collaborates with a team of specialists to leverage the resources of a global financial institution and create strategies tailored to clients' unique situations and aspirations. He holds a B.S. in Finance from Northeastern University and an M.B.A. from Fordham University. David has earned the Certified Investment Management Analyst (CIMA) and Chartered Retirement Planning Counselor (CRPC) designations. Residing in Ridgewood, New Jersey, he and his wife have three children. He volunteers with the Ridgewood Jamboree, providing scholarships to college-bound seniors, has served on the Village of Ridgewood Board of Adjustment, and participates as a USGA Amateur Championship Volunteer. His personal interests include skiing, golfing, and Peloton bike riding.

Scott Johnston is a financial advisor at Raymond James Financial Services Advisors, Inc. with 27 years of industry experience. He holds a Series 63 designation and has previously worked at firms including LPL Financial, Kestra Investment Services, Berk Wealth Management, and OSAIC. Outside of his advisory role, he consults on basic tax preparation and accounting for a partnership firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using various analytical tools and supports clients through its extensive advisor network and specialized programs.

Michael Pechersky is a CFA® charterholder with 13 years of industry experience. He is currently affiliated with LPL Enterprise and has held roles at Prudential Insurance Company of America, MassMutual, and New York Life, among others. In addition to his advisory work, he provides property and casualty insurance and individual medical insurance products. LPL Enterprise serves a diverse clientele including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform.

David Goldring is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera and its affiliate firms since 2007 and has led Goldring Wealth Management Services Inc. since 2011. Outside of his advisory role, he is involved in accounting, bookkeeping, and tax preparation through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Robert Bruno is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005 and is also a partner at Bruno Calotta & Associates LLP, an accounting and tax practice. Outside of his advisory work, he is a partner in a family-owned office building partnership. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and investment strategies.