Miriam Gentile is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, following seven years at Morgan Stanley Smith Barney. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Louis D'Angelis is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and 48 years of industry experience. He previously worked at Oppenheimer from 2006 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, he is involved in selling non-variable life insurance. 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 broad range of financial planning and investment management services, utilizing both discretionary and non-discretionary strategies supported by technology and research resources.

Christine Weber is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Primerica in 2021, she worked at Santander Securities, LLC and Santander Bank. Outside of financial advising, she owns and manages retail and sales businesses, including Miscellany Overhaul, LLC, and THE GOAT'S HAUL, LLC. Primerica Advisors is a firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that uses model-delivery strategies and discretionary management, supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Richard Cobe Jr. is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2009. Prior to that, he was employed at HSBC Securities, Banc of America Investment Services, and Quick & Reilly. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools and a broad non-advisory financial services platform.

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 Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she works as a mathematics tutor through the Department of Education's Champion Learning program. 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 supported by research and analytics.

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 at LPL Enterprise with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively with Prudential Insurance Company of America and Pruco Securities, LLC throughout his career. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is typically model-driven, offering access to third-party asset managers, financial planning, and participation in wrap programs.

Melissa Naylor is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has 16 years of industry experience and has worked at firms including Morgan Stanley and First Allied Advisory Services. Outside of her advisory role, she is involved in paraplanning and insurance sales activities. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Michael O'hara is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently with Charles Schwab and has previously worked at Fidelity Investments, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves primarily 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 models with access to affiliated discretionary separately managed accounts and offers centralized custody and order-routing services.

Patrick Rogers is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, N.A., W&R Holdings LLC, and ADVANCED.gg. Merrill, together 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 provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lucy Coyle is a Series 66-licensed financial advisor with LPL Financial, where she has worked since 2005, accumulating 26 years of industry experience. She provides insurance products aside from variable annuities as part of her financial planning services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through its large network of advisors, combining advisory and non-advisory financial services.

Andrew Young is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Advisors and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process utilizes centralized due diligence combining quantitative and qualitative analysis, with certain portfolio services offered through affiliated entities.

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 in Paramus, NJ, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2020, following positions at Ameriprise Financial Services, National Asset Management, and National Securities Corporation. Outside of her advisory work, she serves as a notary public. Wells Fargo Advisors is a large national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to guide its investment approach and provides a range of 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 with LPL Enterprise, holding a Series 66 designation and with 22 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is involved in managing rental property businesses. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

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 has more than three decades of financial services experience, working closely with individuals, multiple generations of families, and successful entrepreneurs to address the complex challenges of managing, preserving, and transferring their wealth. David's approach centers on understanding his clients' priorities and developing customized financial strategies tailored to their specific needs and aspirations. Before joining Merrill Lynch in 2012, David consulted clients on residential lending needs and worked in equity research at Solomon Smith Barney and Thomas Weisel Partners. He collaborates with a team of specialists and leverages the resources of a global financial institution to provide comprehensive services, including retirement income planning, wealth transfer, trust and estate planning, and access to banking, credit, and lending services. David holds a B.S. in Finance from Northeastern University and an M.B.A. from Fordham University. He maintains the Certified Investment Management Analyst® (CIMA®) and Chartered Retirement Planning Counselor™ (CRPC™) designations. Residing in Ridgewood, New Jersey, with his wife and three children, he volunteers with the Ridgewood Jamboree, supports needs-based scholarships for college-bound students, and has served as a Board of Adjustment member for the Village of Ridgewood. 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.