Nader Ghoujal is a financial advisor at Charles Schwab with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Charles Schwab since 1991, including over two decades at Charles Schwab Bank. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

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. Located in Pearl River, NY, Murphy has been with Equitable Advisors since 2018. Equitable Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models and services.

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.

Nicholas Sherry is a financial advisor with Edward Jones in Nyack, NY. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked briefly at Hennion & Walsh, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets across a wide range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

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.

Ernie Kloock is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

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.

Evelyn Reis is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory services.

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.

Marlene Smikle is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she owns a self-care products business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Siobhan Cummings is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015. 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 model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Lodato is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Wells Fargo Bank and Uber. 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 offers both non-discretionary and discretionary investment options, combining a multi-asset allocation approach with centralized operational support.

Pawel Langiewicz is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and its affiliates since 2013, including Charles Schwab Bank SSB since 2024 and Charles Schwab and Co., Inc. since 2022. Charles Schwab & Co., Inc. serves a large client base consisting mainly 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 offers primarily non-discretionary investment guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Center for Financial Research.

Evan Wuhl is a financial advisor at Wells Fargo Clearing with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee of his sister’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alec Francis 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 2025 to 2026 and as a Financial Representative at the same firm from 2024 to 2025. Alec began his financial planning career at Barnum Financial Group, where he was a Financial Planner from 2022 to 2024. Alec emphasizes building long-term relationships with clients and helping them reach goals that matter most to them. He combines strategy, education, and trust to make a meaningful impact in his clients' financial lives. Outside of his professional work, Alec enjoys fishing, fitness, hiking, outdoor adventures, spending time with pets, and traveling.

Inna Price is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds the Series 66 and Series 63 designations and has previously worked at Citigroup Global Markets, Citibank, Citizens Bank, and HSBC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.