Maria Torrent Caldas is a CFA® charterholder and holds the Series 66 license, with four years of industry experience. She has worked at UBS Financial Services since 2021 and previously spent five years at Zurich Insurance Group. Based in Weehawken, NJ, she currently serves clients through UBS Financial Services. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Stephen Mcpherson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and 19 years of industry experience. He previously worked at Charles Schwab and TD Ameritrade before joining Raymond James. 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, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through a range of portfolio management styles and affiliated research.

Norman Ho is a Financial Consultant currently working at Fidelity Investments since 2022. He has a professional background as a Financial Advisor with experience at Merrill Lynch from 2014 to 2022 and at Morgan Stanley Smith Barney from 2013 to 2014. Norman focuses on understanding his clients' financial needs and aligning resources to work towards meeting them. He collaborates with his clients to develop personal, flexible, and comprehensive financial strategies aimed at providing confidence in their financial futures. Outside of his professional work, Norman's personal interests include art, baseball, cars, food, outdoor adventures, and traveling.

Jeffrey Appel is a financial advisor at RBC Capital Markets with 19 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients' risk profiles with a mix of in-house and third-party investment managers.

Carmine Dellanno is a Financial Consultant at Fidelity Investments, where he partners with clients to develop financial plans for major life goals including retirement, home purchases, and college expenses. He also assists clients in creating investment strategies tailored to their goals, risk tolerance, and investment preferences. Carmine has held multiple roles at Fidelity Investments, progressing from Investment Solutions Representative 1 (2022-2023), to Investment Consultant (2023-2025), and currently Financial Consultant since 2025. Prior to Fidelity, he worked as an Investment Specialist at Merrill Edge in 2022 and as a Teller at TD Bank in 2021. Outside of his professional work, Carmine enjoys baseball, football, golf, family activities, and social events with friends.

Aaron Paglia is a financial advisor with Equitable Advisors, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2014 and previously worked with Axa Advisors. Paglia also has involvement in an outside insurance business. Equitable Advisors serves individual clients—including both non-high-net-worth and high-net-worth individuals—as well as pension plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory solutions.

Padmaja Kotagiri is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 designations and having 23 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and also has past experience with Metlife Securities Inc. from 2001 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, with a focus on delivering collaborative, goal-oriented recommendations.

Mitchell Gallo is a financial advisor at RBC Capital Markets in New York, NY, with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with RBC Capital Markets since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a combination of in-house and third-party investment managers.

Joshua Lovit is a financial advisor at UBS Financial Services with a Series 66 designation. He has previously worked at Everest Reinsurance and holds experience from various roles including time at Dickinson College. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Michael Sroga is a financial advisor with Morgan Stanley in New York, NY. He holds a Series 63 designation and has 17 years of industry experience. His prior work includes roles at Jefferies LLC and Needham & Company, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Geoffrey Mann is a financial advisor with UBS Financial Services in Westfield, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

William Meagher is a financial advisor at Merrill with Series 63 and Series 65 credentials and 43 years of industry experience. He has worked at Merrill since 1982 and has been affiliated with Bank of America, N.A. since 2011. Merrill serves a wide range of clients including individuals, retirement plans, corporations, charities, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage custody services. The firm integrates these services with Bank of America affiliates and emphasizes managed accounts and manager selection supported by its Chief Investment Office and platform oversight.

Mary Dujovski is a Series 66-licensed financial advisor at RBC Capital Markets with 12 years of industry experience. She has worked at RBC Capital Markets since 2013, with a brief role at EXTENDED Travel in 2017. Based in New York, NY, she serves clients through RBC’s wealth management division. RBC Wealth Management serves individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a mix of in-house and third-party investment managers tailored to clients’ risk profiles.

John Tarantino is a financial advisor at Wells Fargo Advisors with 45 years of industry experience. He holds a Series 63 designation and has previously worked at LPL Financial and Morgan Stanley in various capacities over the past decade. Outside of his advisory role, he is involved with multiple wealth management entities associated with LPL Financial. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing a broad range of investment and financial planning services tailored to clients meeting certain net-worth thresholds. The firm employs proprietary research and planning tools to develop recommendations, offering clients discretion over implementation through brokerage or advisory programs.

Don Brooks is a financial advisor at UBS Financial Services with 23 years of industry experience. He has been with UBS since 2005 and holds a Series 63 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research, underwriting, and capital markets services.

Donald Rosenthal is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets and research resources.

Kevin Lange is a financial advisor at Merrill with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, Charles Schwab, and Fidelity Investments. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Martin Mercurio is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 17 years of industry experience. He has worked at LPL Financial since 2017 and has been affiliated with National Planning Corporation since 2010. Mercurio is also involved with Beacon Financial Group in an investment-related capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, 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.

Meredith Doty is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. Prior to that, she was employed at Prudential Advisors and completed a role at Loyola University Maryland. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, with recommendations supported by a manager solutions team and incorporating ESG eligibility frameworks.

Daniel Burnham is a Series 66-registered financial advisor at UBS Financial Services with experience beginning in 2024. Prior to joining UBS, he was involved with Timberpoint Golf Course and held positions at Georgian Court University and East Islip High School. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans.