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 at Merrill Lynch Wealth Management. In her role, she works with professionals, executives, and business owners to develop personalized strategies focusing on wealth accumulation, retirement planning, investment management, and achieving long-term financial goals. Her approach emphasizes creating clarity and confidence tailored to what matters most to each client. Katiana possesses professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She holds a Bachelor's degree from Howard University and a High School Diploma from Mount Saint Mary Academy. She communicates with clients in both English and Spanish. Beyond her professional responsibilities, Katiana is involved in professional organizations such as the Bank of America LGBTQ+ Employee Network and the Merrill Black Professional Group. She participates in community activities with Greater Newark LifeCamp. Her personal interests include basketball, camping, gardening, music, painting, softball, watching movies, and yoga.

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.

Kenneth Menezes is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He collaborates closely with clients to develop personalized strategies that reflect their values and financial goals. Kenneth’s approach includes managing discretionary investment strategies and utilizing a broad selection of Merrill model portfolios and third-party investments, as well as leveraging resources from Merrill Lynch and Bank of America to support clients' wealth management needs. His areas of focus include corporate and employee benefits planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Kenneth holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his bachelor’s degree from St. Xaviers College. Kenneth is married and resides in Dumont, New Jersey. Outside of his professional work, he enjoys playing chess, cooking, golfing, and table tennis. His daughter is a senior at Ithaca College, studying film and direction.

Maydenise Santiago is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Outside of her advisory role, she owns an e-commerce business focused on online retail sales and digital products. J.P. Morgan Securities 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.

Neal Deutsch is a CFP® with 41 years of experience in the financial industry. He is currently with Cetera and has been involved with various firms including First Allied Advisory Services and Chestnut Investment Group, which he owns. He also holds a fiduciary trustee position. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base with a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Wanda Vasse Koerner is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, having also worked at JPMorgan Chase Bank since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

Elizabeth Cueto is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been with Wells Fargo since 2009, initially at Wells Fargo Advisors LLC and then at Wells Fargo Clearing from 2016 onward. Outside of her advisory role, she serves as a notary public in Ridgefield, 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Stewart is a financial advisor at Merrill with Series 65 and Series 66 credentials and 24 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America for over 20 years. 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 a range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations.

Ginger Montagna is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 registrations and bringing 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. Montagna also owns Montagna Wealth Management LLC, where she serves as an independent contractor managing branch operations and client financial planning. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse range of clients, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services and supports institutional consulting and portfolio management through a large advisor network.

Christian Mc Call is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop retirement strategies tailored to their goals, helping them achieve financial confidence and peace of mind throughout their retirement journey. He serves as a resource for clients on a range of financial matters including investing, retirement planning, and saving for unexpected events. Christian also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Christian's areas of expertise include college education planning, managing new wealth, personal retirement planning, and retirement income. He holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Villanova University. Born and raised in Wayne, New Jersey, he aligns his approach with Merrill's goal to help clients make confident decisions throughout every stage of life. Outside of his professional responsibilities, Christian enjoys golfing, running, and skiing.

Meg Gadeleva is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2019. She has over two decades of experience in the financial industry, focusing on helping clients navigate financial planning and achieve their financial goals. Prior to her current role, she served as Relationship Manager at Fidelity Investments from 2017 to 2019. Her prior experience includes roles such as Regional Manager at Utre - 401k and Pension in Bulgaria from 2014 to 2016, Branch Manager at JP Morgan Chase from 2010 to 2014, Private Client Banker at JP Morgan Chase from 2006 to 2010, and Banker at Citizens Bank from 2004 to 2006. Meg holds a California Insurance License. Outside of her professional life, Meg's interests include art, family activities, hiking, outdoor adventures, reading, and volunteering.