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.

Ljindon Vukdedaj is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he serves as a soccer referee for high school games and assists with a small family farming business focused on fruit, vegetable, and egg production. J.P. Morgan Securities 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 select group of Wealth Advisors.

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.

Donald Kluge is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has operated The Kluge Financial Group LLC since 1987 and has been with Cetera since 2005. He is also involved in selling health insurance and provides tax preparation services through Donald Kluge & Co, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management options, financial planning, and retirement services, operating a multi-manager platform with assets under management exceeding $256 billion.

Nader Ghoujal is a financial advisor at Charles Schwab with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 1991, including a concurrent role at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by its in-house research and alternative investment programs.

Elaine Beneduci is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked with firms including B. Riley Wealth Management, Winslow, Evans & Crocker, Inc., and Morgan Stanley. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a portfolio construction process that incorporates asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing.

James Murphy is a financial advisor at Equitable Advisors with eight years of industry experience. He holds the Series 66 designation and previously worked at Mariner Investment Group and Axa Advisors, LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered SEC investment adviser and broker-dealer model.

Kimberly Dallon is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. In addition to investment advising, she is involved in sales of loan products and home-related services through affiliates of her firm. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-based strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Peter Morris is a CFP® with 29 years of industry experience, currently advising at Raymond James & Associates. He previously worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a large 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 municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Michael Bale is a Wealth Management Advisor at Merrill Lynch Wealth Management, providing comprehensive wealth management planning to a diverse clientele. He has more than ten years of experience working closely with well-educated and forward-thinking individuals who seek real-world strategies and realistic expectations to achieve their financial goals. Michael's expertise includes investment and retirement planning, elder care financial management, college education planning, divorce transition planning, special needs planning strategies, tax minimization, and retirement income. He serves a loyal and growing client base primarily in New Jersey, New York, and coastal areas, including corporate executives, physicians, medical sales representatives, divorced and widowed individuals, and multiple generations of families. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Personal Investment Advisor (PIA) designation. Michael graduated from Rutgers University and is a native of Bergen County, New Jersey, where he currently resides with his wife and three children. Outside of his professional life, he enjoys baseball, basketball, cooking, football, golfing, hiking, softball, spending time with his family, and is involved in his community as a youth sports coach.

Michelle Rosenberg is a financial advisor at Cetera with 25 years of industry experience. She holds a Series 63 designation and has worked with Millman and Rosenberg Associates Ltd since 2016. In addition to her advisory role, she co-owns Millman and Rosenberg Associates, Ltd., a tax consulting and business management firm, and is a 50% owner and manager of Rosemill Ventures LLC, a business consulting company. 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 a range of portfolio management and financial planning services through a large network of independent advisors and features a multi-manager platform with access to affiliated and third-party managers.

John Zuzulo is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at firms including JPMorgan Securities LLC, Merrill, and Bank of America N.A. Outside of his advisory work, he is involved in managing a single-family rental property. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management services.

Gigi Tong is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been associated with Merrill and Bank of America, N.A. since 2010 and 2011, respectively. Merrill, alongside 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 model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors, combining internal and third-party management with various strategic and tactical asset allocation approaches.

Richard Beneduci Jr. is a Series 66-registered financial advisor with 13 years of industry experience. He is currently with OSAIC Wealth Inc and has previously worked at firms including B. Riley Wealth Advisors, Winslow, Evans & Crocker, and Morgan Stanley. He also has involvement in insurance-related activities through Osaic Wealth Insurance. OSAIC Wealth, Inc. serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services utilizing various tools and third-party platforms to manage portfolios across multiple asset classes.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He worked at Wells Fargo Advisors for nine years prior to joining LPL Financial in 2023. LPL Financial serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a nationwide network of investment adviser representatives.