Jeffrey Wogel is a financial advisor at Charles Schwab with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and its affiliated bank since 1996. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Steven Cohen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering IPS-driven advisory solutions grounded in modern portfolio theory. The firm includes a broad range of financial product options and serves as an ERISA fiduciary when providing investment advice.

Aneudy Payano is a financial advisor with Edward Jones in Dumont, NJ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining Edward Jones in 2025, he worked at Wells Fargo Bank, N.A. for seven years and JPMorgan Chase Bank for seven years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Ken Secemski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the position of Senior Vice President and provides comprehensive personal financial planning services with a focus on managing assets and liabilities for individuals and businesses. Ken’s practice covers client areas including college education planning, employee benefits planning, personal retirement planning, portfolio management services, and tax minimization strategies. Ken has over 40 years of experience and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Public Accountant (CPA), Certified Divorce Financial Analyst® (CDFA®), Certified Plan Fiduciary Advisor® (CPFA®), and Chartered Retirement Planning Counselor™ (CRPC™). He is a member of various professional organizations such as the American Institute of Certified Public Accountants, The Financial Planning Association, and The Institute for Divorce Financial Analysts. Ken also served as Chairman of the Personal Financial Planning Committee and Chairman of Committee Operations within the New Jersey State Society of CPAs. He earned a Bachelor of Science degree in accounting, graduating cum laude from Fairleigh Dickinson University, and has attended executive business management studies at the Wharton School. Ken was named to the Forbes "Best-in-State Wealth Advisors" list in 2022, 2023, and 2024. Outside of his professional work, Ken participates in community volunteer activities and has personal interests in baseball, basketball, and football.

Thomas Vitale is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at TD Ameritrade and E*TRADE Capital Management. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 a comprehensive multi-asset investment approach supported by centralized custody and operational infrastructure.

David Errick is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TD Bank N.A. and M&T Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its recommendations.

Giuseppe LoBello is a Planning Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2026. In his current position, Giuseppe focuses on helping clients work toward their financial goals through comprehensive planning and personalized guidance. His expertise includes retirement planning, investment strategies, wealth planning, and financial education. He collaborates with clients to develop strategies that align with their unique needs, priorities, and long-term objectives. Outside of his professional responsibilities, Giuseppe enjoys boating, cars, family activities, football, and traveling.

Carl Boomhower is a CFP® and ChFC® credentialed advisor with nine years of industry experience. He currently works at Raymond James Financial Services Advisors, Inc., where he has been employed since 2020. His prior roles include positions at Bank of America, Merrill Lynch, and Northwestern Mutual. Boomhower serves on the board and finance/investment committee of Oasis, a nonprofit organization supporting women and children. 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 investors. The firm emphasizes tailored, non-discretionary planning and uses analytical tools to assess potential outcomes, supporting clients through its advisory programs and wider platform.

Timothy O'Connor is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Smith Barney LLC and Blackrock. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Morgan is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 63 designation and 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets Inc from 2007 to 2009 and has been involved with The Robert Group since 1992. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Jeffrey Baez is a financial advisor with J.P. Morgan Securities in Yonkers, NY, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2015. Outside of his advisory role, he participates occasionally as a consultant in focus groups providing insights and opinions on various topics. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary approach. The firm integrates quantitative modeling, centralized due diligence, and an ESG eligibility framework in its recommendations.

John Mc Glyn is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan broker-dealer and banking organization and typically provides advice on a non-discretionary basis.

Deanna Wilson is a Series 66-licensed financial advisor with 12 years of industry experience. She joined UBS Financial Services in 2024 after a 22-year tenure at Merrill Lynch Pierce Fenner & Smith Incorporated. 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 discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Gerard Turiano is a financial advisor with Primerica Advisors, holding the Series 63 designation and bringing 13 years of industry experience. He has been associated with PFS Investment Inc. since 2014 and Primerica Financial Services since 2011. In addition to his advisory role, he is involved in the sale of loan products and home security and automation service referrals through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm delivers advisory services at scale through model-delivery strategies created by unaffiliated asset managers, supported by third-party custody and trade execution providers.

Troy Runkel is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services LLC since 2018. His prior experience includes roles at HomeAdvisor Inc. and SUNY Oneonta. Strategic Advisers LLC, a Fidelity Investments company, 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 systematic, model-driven investment solutions.

Noel Muniz is a financial advisor at Morgan Stanley with 28 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Muniz holds Series 63 and Series 65 licenses and is based in Paramus, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Endre Pady is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and having 36 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and Corporate Financial Planning agreements.

Will Scholly is the Vice President and Branch Leader at Fidelity Investments, where he leads the Paramus Investor Center. He has held leadership roles at Fidelity since 2023 and has been part of the company since 2014. His professional experience includes positions such as National Planning Consultant, Financial Consultant, Investment Consultant, and Financial Representative at Fidelity Investments. Prior to joining Fidelity, he worked at PNC Investments and The PNC Financial Services Group, Inc., focusing on investment services and institutional investments. Throughout his career, Will has developed expertise in financial advising and branch leadership. His roles have involved coaching and inspiring financial professionals, contributing to the growth and development of his team. His experience spans over a decade in the financial services industry, emphasizing investment consulting and financial planning. The information provided does not include details about his education, credentials, personal interests, or community involvement.

John O'Neil is a Financial Advisor at Merrill Lynch Wealth Management. He works with ultra-high-net-worth individuals, families, corporate executives, and business owners to develop sophisticated wealth management strategies and assist clients in achieving their stated goals and objectives. John holds a Bachelor's Degree from College of the Holy Cross and a Masters of Business Administration (MBA) from Boston College. He holds the designation of Personal Investment Advisor (PIA). He is actively involved in community activities, including supporting the American Cancer Society's Northern New Jersey Golf Classic and serving as the Director of the Oakland Braves Rec Football program.

Eugene Spitzer is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at Ameriprise Financial Services and Edward Jones. Outside of his advisory role, Spitzer is involved with Preserve Land Company LLC, where he advises on home construction costs and materials and participates in building a modular home. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party management, supported by technology tools and a broad platform of non-advisory financial products.