Ryan O'neil is a Wealth Management Advisor with Merrill Lynch Wealth Management and The Whaley Cornwell Group, a position he has held since 2012. He provides wealth management services to a select group of clients, including successful individuals, multi-generational families, corporate executives, small business owners, and foundations/non-profit organizations. His work focuses on developing long-term financial strategies tailored to meet retirement and legacy goals, as well as addressing unforeseen personal and business financial challenges. Ryan's areas of expertise include education planning, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income. He emphasizes a transparent and disciplined approach to wealth management, fostering client relationships based on trust, service, and commitment. He earned a Bachelor of Arts degree in Economics and Business from Lafayette College, where he also served as captain and quarterback of the football team. In 2017, Ryan attained the CERTIFIED FINANCIAL PLANNER4 certification, awarded by the Certified Financial Planner Board of Standards, Inc. He resides in Wyckoff, New Jersey, with his wife and two children. His personal interests include basketball, football, golfing, running, and spending time with his family.

Viviana Pardo is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 10 years of industry experience. She has been with UBS Financial Services since 2013. Outside of her advisory work, she owns Get It Together, LLC, a bookkeeping and filing services business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor client plans. The firm operates with institutional trading capabilities alongside wealth management services.

Phillip Kostantas is a financial advisor with Wells Fargo Clearing in Vero Beach, FL, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Scottrade the same year. Outside of his advisory role, he holds a 50% ownership interest in CHRISAPHIL LLP, a bookkeeping business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Wen Smit is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has less than one year of industry experience. Prior to joining Raymond James & Associates, Wen worked at Gap Inc. for several years. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Agnes Cahill is a financial advisor with Charles Schwab, holding a Series 66 credential and 23 years of industry experience. She has worked at multiple Schwab entities since 2013 and previously at TD Ameritrade from 2021 to 2024. Outside of advising, she co-owns a home in Nantucket with her husband, which is occasionally rented during the summer months. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Sudip Mukherjee is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS since 2017, following a 14-year tenure at MBIA Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm offers a broad range of services including portfolio management, financial planning, and capital markets activities.

Andrew Prisco is a financial advisor with Wells Fargo Advisors, holding the CFP® designation and Series 66 license, with 22 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he owns a significant interest in PRONOMIC WEALTH MANAGEMENT, LLC, a separate financial planning practice. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a wide range of investment and financial planning services including retirement, education, and specialized planning areas. The firm combines proprietary research and planning tools to develop tailored recommendations delivered through discrete planning engagements.

Matthew Wolferman is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and 19 years of industry experience. His prior work includes positions at Bank of America and Merrill Lynch over nearly two decades. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advisory services primarily through a large network of investment adviser representatives.

Jean Jimenez is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds a Series 66 designation and has worked at several firms including Prudential Insurance Company of America, Pruco Securities, Barclays, NYLIFE Securities, New York Life Insurance, Morgan Stanley, HSBC Securities, J.P. Morgan Securities, and Chase Investment Services. 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 employs a model-driven investment approach utilizing portfolios developed by internal research and third-party strategists, and also offers financial planning, access to third-party managers, and affiliated insurance and trust services.

James Warta is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and advisory services including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment solutions.

John Downes is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His work history includes roles at Fidelity Investments since 2022, as well as prior positions in various fields including higher education and business. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to build model portfolios from mutual funds, ETFs, and ETPs, while also providing oversight and consulting services.

Carlos Couto is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, Couto is active in community and business organizations, serving as President and board member of the Portuguese American Chamber of Commerce of New Jersey and Treasurer and board member of the Ironbound Business Improvement District. He has also participated in the Newark Mayor-Elect Transition Team for budget and finance matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to both individual and institutional clients, including customized financial planning supported by firm-approved tools and structured planning processes.

Ruhi Unwalla is a financial advisor at J.P. Morgan Securities with five years of industry experience. She has held roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at ASK Wealth Advisors and Redbridge - Debt & Treasury Advisory. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Galgano is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior work includes 14 years with Securities America Advisors and Securities America, Inc. Galgano is involved with Prestige Wealth Group LLC and G2 Financial LLC outside of his advisory role. 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, model portfolio programs, third-party asset management, and institutional platforms.

Helen Fernandez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining Charles Schwab in 2022, she worked at Citigroup for nine years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advice and access to discretionary separately managed accounts. The firm is notable for its large client base, integrated operational structure, and multi-asset investment guidance.

Francis Giordano is a financial advisor at UBS Financial Services with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Cantor Fitzgerald Securities and NatAlliance Securities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and operates as a broker-dealer, investment adviser, and futures commission merchant.

Kenneth Traficante is a CFP® professional with 34 years of industry experience, currently serving at Equitable Advisors since 1999. Prior to this, he was affiliated with Axa Advisors, LLC for 21 years. Outside of advisory work, he is involved in business networking through BNI and holds power of attorney for his parents as well as serving as executor of his mother’s estate. Equitable Advisors provides financial planning, retirement consulting, and asset-management services to individual and institutional clients. The firm utilizes a range of advisory programs and third-party managers to deliver customized investment solutions without sponsoring its own wrap fee program.

Michael Werfel is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at METLIFE Securities Inc from 2005 to 2017. Werfel serves on the board of directors for the Kiwanis Club of Pascack Valley, a charitable organization focused on local community support and fundraising for children's programs. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning, asset management, and educational seminars.

William Hunt III is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 11 years. Outside of his advisory role, Hunt serves as a firefighter and treasurer for the Mahwah Fire Department. 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 advisory and brokerage services, including financial planning and model portfolio programs, utilizing both proprietary and third-party investment strategies.

Maria Cunningham is a financial advisor at Merrill with 36 years of industry experience. She has been with Merrill since 2005 and holds Series 63 and Series 66 credentials. 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 strategies designed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.