Thomas Small is a financial advisor at Raymond James & Associates with 12 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, providing financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Natasha Madera is a Planning Consultant at Fidelity Investments, where she collaborates with clients and a dedicated team to perform comprehensive assessments of clients' financial situations. In her role, she focuses on developing tailored financial plans that address clients' specific goals and needs, emphasizing the importance of building enduring relationships based on trust and transparency. Prior to her current position, Natasha gained experience as a Relationship Manager at Fidelity Investments from 2023 to 2024. She also worked as a Financial Services Representative at Fortis Lux Financial from 2022 to 2023, a Relationship Banker at Wells Fargo Advisors from 2020 to 2023, and a Private Client Banker at JP Morgan Chase from 2018 to 2019. Outside of her professional career, Natasha has personal interests that include fitness, food, social events with friends, movies, museums, and outdoor adventures.

Anthony Cristiano is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 10 years. Cristiano serves on the board of directors for the Jersey City Medical Center Foundation, assisting with fundraising and events. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to individual, institutional, corporate, and charitable clients through tailored investment strategies and multiple advisory programs that include portfolio management and financial planning. The firm integrates in-house and third-party managers and offers specialized features such as tax management and responsible-investing options.

Neal Desai is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley. In addition to his advisory role, he is involved in insurance sales, specializing in life, disability, long-term care, fixed annuities, and health insurance. 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 financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved software to analyze client goals and provide recommendations.

James Cadet is a Series 66 licensed financial advisor with Merrill, based in Paramus, NJ. He has 23 years of industry experience, including previous roles at UBS Financial Services. Outside of his advisory work, he is involved in multiple business ventures including fitness studio ownership and serves on the board of charitable organizations focused on community development and veteran support. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations, implementing both internal Chief Investment Office models and third-party managers.

Kristopher Hargraves is a financial advisor at Raymond James & Associates with eight years of industry experience. He previously worked at UBS Financial Services for nine years and has held roles at Branch Forty and Dominican College. Outside of his advisory work, he is a partner in Living Proof Basketball LLC, a youth basketball camps and training business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting supported by a nationwide adviser network and a range of portfolio management styles.

Larry Lensak is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has worked at Cetera and its affiliate firms since 2021 and was previously with Voya Financial Advisors from 2014 to 2021. In addition to his advisory role, Lensak owns a business that provides income tax preparation services and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options, supported by extensive affiliations and a nationwide network of advisors.

Tab Mak is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and has previously worked at MSI Financial Services, New England Securities, and Equitable Advisors. Outside of his advisory role, he also works part-time as an insurance claims adjuster. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by extensive advisor resources and technology.

Christopher Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, and offers a range of advisory and consulting services with a primarily non-discretionary approach.

Tae Kim is a Financial Consultant at Fidelity Investments, a position held since 2014. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2013 to 2014. From 2007 to 2013, he worked as a Financial Advisor at UBS Financial Services. Throughout his career, Tae has focused on partnering with clients to provide tailored investment options and leveraging Fidelity's resources to support clients' financial goals. He emphasizes understanding clients' personal stories to address what is most important to them and their families. Tae holds a California Insurance License.

Miriam Gentile is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, following seven years at Morgan Stanley Smith Barney. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Louis D'Angelis is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and 48 years of industry experience. He previously worked at Oppenheimer from 2006 to 2010 before joining LPL Financial, where he has been since 2010. Outside of his advisory role, he is involved in selling non-variable life insurance. 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 broad range of financial planning and investment management services, utilizing both discretionary and non-discretionary strategies supported by technology and research resources.

Christine Weber is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Primerica in 2021, she worked at Santander Securities, LLC and Santander Bank. Outside of financial advising, she owns and manages retail and sales businesses, including Miscellany Overhaul, LLC, and THE GOAT'S HAUL, LLC. Primerica Advisors is a firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that uses model-delivery strategies and discretionary management, supported by custodial and execution services from BNY Mellon Advisors and Pershing.

Richard Cobe Jr. is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2009. Prior to that, he was employed at HSBC Securities, Banc of America Investment Services, and Quick & Reilly. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools and a broad non-advisory financial services platform.

Laura Pechfelder is a Series 66 licensed financial advisor with 21 years of industry experience. She is currently with UBS Financial Services and previously worked at Merrill and Preferred Pediatric Orthopedic Surgery. UBS Financial Services Inc. 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 across a broad platform.

Irene Europa is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she tutors mathematics through the Department of Education’s Champion Learning program. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Desfosses is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 designations and over 42 years of industry experience. He has been with Merrill since 1984 and concurrently with Bank of America since 2011. 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 various institutions.

Edward Noonan is a financial advisor at LPL Enterprise with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively with Prudential Insurance Company of America and Pruco Securities, LLC throughout his career. 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’s investment approach is typically model-driven, offering access to third-party asset managers, financial planning, and participation in wrap programs.

Melissa Naylor is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, bringing 16 years of industry experience. Her prior work includes roles at Morgan Stanley and First Allied Advisory Services. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management approaches and platform options tailored to client objectives.

Michael O'hara is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently with Charles Schwab and has previously worked at Fidelity Investments, Bank of America, and Merrill. 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 combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and offers centralized custody and order-routing services.