Jackson Munoz is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Spatola is a financial advisor with OSAIC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Royal Alliance, Santander Securities, Raymond James Financial Services, and others. Outside of advising, he co-owns a temporary employment business and a printing company. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diversified portfolios, with services available on both discretionary and non-discretionary bases.

Sheri McMahon is a Planning Consultant at Fidelity Investments, a role she has held since 2023. She brings 21 years of industry experience to her position, focusing on understanding her clients both as individuals and investors. Sheri collaborates with her team and clients to develop tailored financial plans aimed at achieving specific financial goals. Prior to joining Fidelity Investments, Sheri worked as a Financial Advisor at Merrill Lynch from 2018 to 2023. She also has experience as a Direct, Equity Research Analyst at Citigroup and Salomon Smith Barney, where she worked from 1994 to 2003.

Gregory Nascimento is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 26 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He is based in Short Hills, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Tasha Garcia is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has previously worked at Cetera Advisor Networks LLC and Alliant before joining Morgan Stanley in 2018. Outside of her advisory role, she is the sole proprietor of a retail business called The House by the Side of the Road and has served as a program facilitator for the nonprofit organization Children’s Village. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, using structured financial planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services including customized financial plans and diverse investment solutions.

Craig Livoti is a CFA® charterholder with 20 years of industry experience, currently affiliated with Wells Fargo Clearing. His prior roles include positions at Morgan Stanley, Invesco Distributors, Inc., and Oppenheimer Funds. He serves as a board member for the St Vincent Martyr School HSA, a private Catholic school in Madison, New Jersey. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aakash Patel is a financial advisor at Morgan Stanley with five years of industry experience and holds a Series 66 designation. He previously worked at E*TRADE Capital Management and Equitable Advisors. Outside of his advisory role, he is the founder of Stramperpress, an eCommerce business focused on managing Amazon and Etsy listings along with branding content creation. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Michael Hughes is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2004, including its predecessor, Axa Advisors, LLC, where he worked from 2004 to 2020. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs, delivering advice through a network of Investment Adviser Representatives using both proprietary and third-party investment solutions.

Luke Cela is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation. He has no prior industry experience and has been with Wells Fargo Clearing since 2026. His background includes roles at the University of Wisconsin - Madison and The Pingry School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Georgios Pefanis is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His background includes roles at Bayonne Golf Club, JPMorgan Chase Bank, N.A., and TG Administration LLC. 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 applying an ESG eligibility framework in its recommendations.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. 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 a multi-asset model portfolio approach and centralized operational infrastructure.

Ruth An Eubanks is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Bank, NA dating back to 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. 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.

Aradhana Dhakal is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. She previously worked at Goldman Sachs Group, Inc. for two years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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, distribution, and investment management capabilities.

Donna Mulvihill is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2024. She has extensive experience in financial planning and wealth management, having worked in various positions including Planning Consultant at Fidelity Investments from 2021 to 2025, and Investment Advisor at Garretson Financial, The Investment Center from 2015 to 2018. Prior to that, she held roles in investment marketing and financial editorial consulting with firms such as McGraw Hill, JPMorgan Fleming Investment Management, Chemical Investment Services, and Dreyfus Service Corp. Throughout her career, Donna has focused on working directly with clients to understand their financial situations, families, and goals. She collaborates with clients on strategies for wealth creation, protection, tax efficiency, and retirement income, aiming to develop comprehensive and holistic financial plans tailored to meet individual goals and legacy aspirations. Donna holds insurance licenses in Arkansas and California. Outside of her professional work, Donna enjoys cooking and baking, spending time with family, gardening, hiking, outdoor adventures, and traveling.

Emilia Gale is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been providing financial and wealth management advice since 1994. She has over 30 years of experience working with families and business owners in areas such as retirement planning, college education planning, tax minimization, and socially responsible investing. Emilia holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Divorce Financial Analyst® (CDFA), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is fluent in English, Portuguese, and Spanish, and is conversant in French. Emilia earned her Bachelor of Arts degree in Economics from Drew University and is an active member of the Drew Alumni Association. Beyond her professional work, Emilia is involved in community organizations such as the Food Bank of New Jersey and the Leukemia & Lymphoma Society. She lives in Westfield with her husband, and they enjoy gardening, outdoor activities, attending sporting events, and the theatre.

Hisham Hraiche 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, Ameriprise Financial Services LLC, Rippling, and Pareto. He has also held positions at Asset Living, Rutgers Alexander Library, and High Tech High School. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Smedley is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in property rental in Manville, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.

Frank Howard Jr. is a financial advisor with Charles Schwab in Millburn, NJ, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior experience includes roles at Fidelity Personal and Workplace Advisors and AXA Advisors, LLC. Outside of his advisory work, he is involved in managing rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment solutions with integrated custody and brokerage support.

Gerard Rabadeau is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 47 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. He is co-owner of Rabadeau Wealth Group, a support business outside of his advisory role. 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, pension plans, corporations, and institutions. The firm offers non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.