Michael Fishweicher is a Financial Advisor at Merrill Lynch Wealth Management, a Bank of America company. In his role, he works closely with clients to develop personalized wealth management strategies that pursue their financial goals. He leverages the global investing resources of Merrill along with the credit, lending, and banking conveniences of Bank of America. Michael specializes in areas including family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, special needs planning, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. He holds professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Touro College and is fluent in English and Hebrew. Outside of his professional work, Michael participates in community organizations such as Fair Lawn Fire Company 1 and Fair Lawn Heavy Rescue Squad. His personal interests include baseball, basketball, boating, chess, football, genealogy, ice hockey, photography, softball, and spending time with his family.

Lisa Mulcahy is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 credentials with 42 years of industry experience. She has been with Morgan Stanley since 2016, including a role at Morgan Stanley Private Bank since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

David Tepper is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 designations and possessing 24 years of industry experience. He has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

Indya Kellman is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and having 16 years of industry experience. She has previously worked with Raymond James Financial Services and M&T Securities Inc. Outside of her advisory role, she is the owner of Portraits N Play LLC, a non-investment business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

James Farrell is a financial advisor with Ameriprise based in Ringwood, NJ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior experience includes roles at Edward Jones and Axa Advisors LLC before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in net investable assets, delivering annual, non-discretionary written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning, with an emphasis on assets held in Ameriprise-managed accounts.

David Gallaway is a financial advisor with Cetera, holding the CFP® designation and a decade of industry experience. He has worked with several firms, including Cetera ADVISORS LLC and First Allied Advisory Services. Outside of advisory work, he owns and operates David M. Gallaway Tax Service, providing non-CPA accounting and tax preparation services, and also works as an independent contractor in mortgage and banking through Mortgage Network Solutions. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple third-party managers through a multi-manager platform with discretionary and non-discretionary options.

Cynthia Hoey is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 20 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Richard Mulligan is a financial advisor with Cetera, holding a Series 63 designation and 22 years of industry experience. His work history includes multiple roles within the Cetera family of firms since 2019 and prior experience at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Lance Druckenmiller is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1992 and joined Merrill in 2007. Lance specializes in planning and portfolio management strategies designed to help individuals, families, and small business owners achieve their long-term financial goals through disciplined and diversified investment approaches. His expertise includes education planning, family wealth management, retirement planning, philanthropic planning, socially responsible and ESG investing, special needs planning, and small business strategies. Lance’s investment planning process begins with a thorough understanding of clients’ financial needs, goals, risk tolerance, and time horizons, followed by tailored asset allocation and ongoing portfolio management with regular client consultations. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, is a Certified Financial Planner® (CFP), and a Personal Investment Advisor (PIA). Lance earned a Bachelor of Science in Business Administration from Fairleigh Dickinson University in 1984. He resides in Montville, New Jersey, with his wife and two children. He is an active member of the Knights of Columbus and the Montville Kiwanis Club. Outside of work, Lance enjoys biking, boating, cooking, dancing, gardening, hiking, horseback riding, reading, scuba diving, and skiing.

Todd Desfosses is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 24 years of experience specializing in family multi-generational wealth management and planning, small business funding and benefit planning, as well as retirement income and preservation planning. Todd’s approach centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals. His expertise extends to divorce transition planning, family wealth management strategies, legacy and philanthropic planning, portfolio management, socially responsible and values-based investing, and services for endowments, foundations, and non-profits. Todd holds multiple professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Todd earned bachelor’s degrees from Fairleigh Dickinson University and Siena College. He values community involvement and volunteers with local organizations. Outside of his professional commitments, Todd enjoys biking, music, skiing, and tennis.

Katiana Carter is a Financial Advisor with Merrill Lynch Wealth Management. She works with professionals, executives, and business owners to develop personalized strategies in wealth accumulation, retirement planning, investment management, and long-term financial goals. Katiana focuses on client areas such as family wealth management, institutional and corporate benefit services, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, and retirement income. Katiana holds a Bachelor's Degree from Howard University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She is a member of the Bank of America LGBTQ+ Employee Network and the Merrill Black Professional Group. Additionally, she is involved in community activities through Greater Newark LifeCamp. Outside of her professional work, Katiana enjoys basketball, camping, gardening, music, painting, softball, watching movies, and yoga. She communicates in both English and Spanish.

James Mangam Jr. is a CFP® with over 52 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. Prior to joining LPL, he worked for more than four decades at Cadaret, Grant & Co., Inc. He also operates the Mangam Agency and has a side activity as an artist and musician. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by extensive research and technology.

John Caiafa is a financial advisor with MassMutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining MassMutual in 2019, he worked at Edward Jones and has been a partner in All American Pool Service since 2019. He also holds a passive ownership interest in Congruent Machine Shop. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved analytical tools to develop goal-focused strategies.

William George Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Oconnell is a financial advisor with LPL Financial and holds a Series 63 designation. He has 29 years of industry experience, including prior roles at Cetera, Allied Wealth Partners, and Securian Financial Services. His other business activities include work as an independent agent for non-variable insurance and financial advising through entities affiliated with LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Joseph Wiesenfeld is a financial advisor with UBS Financial Services, based in Airmont, NY, and holds 22 years of industry experience. He has been associated with UBS Securities LLC and UBS PaineWebber Services Inc. since 1986. Outside of his advisory role, he is a partner in TRI STATE PACKERS, LLC, a company involved in dry food packaging. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management and offering proprietary research and model-based portfolio management.

Astha Agrawal is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has worked since 2016. She holds the designation of Senior Portfolio Advisor and is a Chartered Financial Analyst (CFA) as well as a Personal Investment Advisor (PIA). Astha collaborates with clients to develop personalized financial strategies, utilizing Merrill Lynch’s investment insights alongside Bank of America’s banking and lending solutions to address a wide range of wealth management needs. Astha’s expertise spans education planning, liquidity management, portfolio management services, socially responsible and ESG investing, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income planning. She and her team, The Barnao Group, assist small businesses and individuals with investments, wealth planning, banking, lending, and estate planning by leveraging the comprehensive resources of Merrill Lynch and Bank of America. Originally from Jaipur, India, Astha earned both her bachelor's degree in accounting and her master's degree in economics from Rajasthan University. She earned her CFA Charter in 2007. Fluent in Hindi and English, she resides in Sunnyvale, California. Astha is involved in community activities including volunteering with Stocklmeir School in the Cupertino Unified School District. In her personal time, she enjoys biking, gardening, spending time with her family, and traveling.

Thiago Nunes Antonio is a financial advisor with Merrill, holding a Series 66 designation and approximately one year of industry experience. Prior to joining Merrill in 2022, he worked at Kearny Bank and spent several years involved in academic and other roles. 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, and institutions.

Tracy Cairoli is a financial advisor with UBS Financial Services, holding the Series 63, 65, and 66 licenses and bringing 19 years of industry experience. Prior to joining UBS in 2025, she worked at Morgan Stanley Smith Barney LLC, Invesco, and OppenheimerFunds. She serves on the Board of Directors for the Glen Rock Middle School/High School Home and School Association, where she is involved in financial oversight and community engagement activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Anthony Montagna II is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 21 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 10 years. Montagna also operates Montagna Wealth Management LLC, where he serves as branch manager and portfolio manager. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations, utilizing risk profiling and analytical tools to tailor its non-discretionary investment consulting.