Eugene Pak is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his work at Wells Fargo, he owns and operates Kirby Advisory Group LLC, a financial advisory practice based in New Brunswick, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services that require specific advisor credentials.

Martine Pate is a Senior Financial Advisor with Merrill Lynch Wealth Management. She focuses on helping clients develop personalized wealth management strategies tailored to their unique financial goals, including legacy planning, personal retirement planning, women and wealth, and retirement income. Martine works closely with clients to create flexible strategies that adapt to changing market conditions while providing access to Merrill’s investment insights and Bank of America’s banking and lending solutions. Martine holds a Bachelor's Degree from Wagner College and is designated as a Personal Investment Advisor (PIA). In addition to her professional work, she is involved in community volunteer activities, reflecting her commitment to the communities Merrill Lynch serves.

Michael Nemeth is a financial advisor with UBS Financial Services, holding a Series 63 designation and 40 years of industry experience. He has been with UBS since 2005. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services while providing proprietary research and a wide range of capital markets services.

Patrick Giblin is a financial advisor at UBS Financial Services with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory work, Giblin serves as treasurer for the Garden State Irish Festival Foundation, holds elected positions in local government, and participates on the boards of several community and alumni organizations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory solutions, utilizing proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including fiduciary fee-based financial planning and a broad range of capital markets offerings.

Michael Vespucci Paxson is a Financial Consultant at Fidelity Investments. He partners with clients to help them create, implement, and maintain their personal financial plans, aiming to be a trusted consultant by understanding their priorities and guiding them to suitable strategies and resources offered by Fidelity. Michael has worked with Fidelity Investments in various roles since 2015, including Financial Consultant from 2015 to 2019, Planning Consultant from 2020 to 2023, and Financial Consultant since 2023. He holds a California Insurance License.

Nancy Bernstein is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 licenses and over 41 years of industry experience. Prior to joining UBS in 2022, she worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank from 2014 through 2022. Outside of finance, she was president of a T-shirt business called Queen TS, which is no longer active. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining model-based asset allocations with proprietary research and institutional trading capabilities. The firm offers a range of investment and financial planning services, operating as a broker-dealer, registered investment adviser, and futures commission merchant.

Dhruv Oberoi is a Financial Advisor - FADP with Merrill Lynch Wealth Management, specializing in comprehensive wealth management and long-term financial planning. He focuses on client areas including college and education planning, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income. With over 20 years of experience studying markets and investing, Dhruv holds a Bachelor’s degree from the University of Iowa and a Master’s degree in Finance from Baruch College. He holds the Personal Investment Advisor (PIA) designation and provides a wide range of services such as investment management, everyday banking, home loans, business banking and lending, retirement planning, college savings, and trusts and estate planning. He is fluent in Hindi and English. Dhruv values building long-term relationships with his clients and aims to be a proactive resource for their financial needs. Outside of his professional duties, he is involved with Bank of America volunteering and enjoys interests such as billiards, bowling, golfing, reading, spending time with family, table tennis, tennis, and watching movies.

Rosa Campa Hearne is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her CIMA designation from the Investments & Wealth Institute™ after completing education through the Wharton School of the University of Pennsylvania. Professionally, Rosa focuses on assisting high net worth individuals, small businesses, foundations, and retirees with managing risks and achieving long-term financial goals. She employs a team approach to estate and financial planning, collaborating with clients' attorneys and CPAs. She also has an interest in special needs planning and serves as a regional coordinator for the Special Needs Trust community. Rosa holds a bachelor's degree from the State University of New York at Binghamton, with a double major in History and Music, and graduated from LaGuardia High School of Music and Art in Manhattan. She resides in Monmouth County, New Jersey. Her personal interests include skiing, golf, hot yoga, and the sport of fencing, where she participates as a referee and serves on the Executive Committee and Tournament Committee of the New Jersey Division of the United States Fencing Association. She is involved in local community organizations such as the United Way of Monmouth County.

Alfonso Gialanella is a CFP® with 28 years of experience in the financial industry, currently serving as a financial advisor at Wells Fargo Advisors since 2025. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. Outside of his advisory role, Gialanella is a firefighter with the Scotch Plains Volunteer Fire Department and serves as co-trustee of a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory services with other financial products and referral channels.

Laila Phillips is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Summit, New Jersey. She has one year of industry experience, including roles at JPMorgan Chase Bank and J.P. Morgan Securities since 2024. Prior to her financial services career, she worked briefly at Shorenstein Realty Services and Phillips Dentistry. 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. The firm operates as part of the broader J.P. Morgan organization and offers a range of institutional investment solutions on a non-discretionary basis.

Andrew Rathbun is a financial advisor at Edward Jones with 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for eight years. Rathbun is also the owner of Andrew J Rathbun Marketing Advisors, LLC, a marketing consulting business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a variety of investment advisory programs and maintains a large network of financial advisors and branch offices across the country.

Mark Oslebo is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with LPL Financial and has previously worked at The Investment Center Inc and Intervest International Equities Corporation. He also has ongoing involvement in non-variable insurance commission activities outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of solutions including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Dale Perez is a financial advisor at Merrill with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at TD Bank and held positions in various companies including Verizon Wireless and Magnify Brewing Company. He co-owns an inactive LLC with his spouse that was intended to be an online coffee business but has remained dormant since its formation. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Peter Meme serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in tailored wealth management and strategic financial solutions. He works with affluent individuals, fiduciaries, businesses, and endowments, providing investment advice and guidance designed to produce positive investment outcomes over the long term. Peter's approach is consultative and objective, utilizing financial planning tools such as the Personal Wealth Analysis (PWA) to align client goals with investment strategies. He leverages insights from Merrill's Chief Investment Office portfolio team and third-party managers to ensure portfolios match current Tactical Asset Allocation recommendations. In addition to individual wealth management, Peter offers comprehensive business and wealth planning services across the business lifecycle, including capital expansion, equipment purchases, site acquisitions, private business sales, and financing solutions. He collaborates with clients and their legal and tax advisors in estate planning, wealth transfer, and succession strategies. By integrating Merrill and Bank of America's resources, Peter aims to help clients grow, preserve, and transition their wealth effectively. Peter holds a Bachelor of Arts degree in Economics from Rutgers University and maintains professional designations as an Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). He is involved in community development through his participation in the Town Clock Community Development Corporation. His personal interests include basketball, boxing, football, golfing, music, reading, soccer, table tennis, and tennis.

Michael Laitman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing financial strategies and investment advice to high net worth individuals and their families. Michael’s approach focuses on understanding each client’s unique financial situation, goals, and priorities to create personalized wealth management plans. He emphasizes diversification and prudent risk management while monitoring investments over time to help clients achieve their evolving financial objectives. Michael has experience assisting clients with managing concentrated stock positions and addressing significant life transition events such as retirement, inheritance, or the sale of a business. He also facilitates coordination with clients’ attorneys, accountants, and other advisors, and provides access to services including trust and estate planning through Bank of America Private Bank, as well as credit and lending solutions. He earned a Bachelor of Arts degree in political science, graduating Cum Laude and as a member of Phi Beta Kappa, from Emory University. Michael holds an MBA in finance from The Wharton School of the University of Pennsylvania and is a CERTIFIED FINANCIAL PLANNER® professional. He lives in Westfield, New Jersey, with his wife and two children, and enjoys spending time with family and friends, as well as activities such as watching NFL football, and playing chess, piano, golf, and pickleball.

Gregory Beck is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm provides a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices, and operates under a fiduciary standard.

Tara Attardo is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008 and Bank of America since 2017. Outside of her advisory role, she owns a business creating handmade shirts, glasses, bags, and other customized accessories. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Lopian is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He has previously worked at Bank of America and Merrill. He serves on the Board of Trustees and the Finance Committee of The Peck School, a private K-8 school in Morristown, NJ. J.P. Morgan Securities 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 its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Cheryl Witte is a financial advisor with Merrill, holding a Series 66 designation and over 21 years of industry experience. She has been with Merrill since 1996 and also works with Bank of America, N.A. since 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Annabella Andiorio is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. She has held various roles within JPMorgan Chase Bank and J.P. Morgan Securities since 2024. J.P. Morgan Securities LLC 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.