Matthiew Martinez is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA, as well as positions outside finance at Petco and Modell's Sporting Goods. He also has experience associated with Pace University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI in research, and its roles as a commodity pool operator and advisor to various registered investment companies.

Americo Lisboano is the Senior Resident Director at Merrill, leading the Montvale, New Jersey office. He has been with Merrill since 1996 and brings extensive experience in wealth management, serving High Net-Worth investors with complex financial situations. Americo is committed to providing clients with sound financial advice, premier service, and extensive resources to help them achieve their financial goals. He manages discretionary portfolios through personalized or defined strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Americo holds the Chartered Retirement Planning Counselor™ designation, along with other professional certifications including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He assists clients in developing strategies to manage their personal and business assets and liabilities, considering their goals, time horizons, and risk tolerances. A graduate of Rutgers University, Americo has been active in the financial services industry since 1992. In addition to his professional work, Americo is involved in the community as a board member of the Bergen County United Way. He also has language proficiency in Portuguese and English.

Gregory Amerkanian is a financial advisor at UBS Financial Services with over 32 years of industry experience. He has previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is involved as a youth hockey coach at the Englewood Field Club and holds board positions at The Elisabeth Morrow School and the Armenian Church Endowment Fund. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and a broad range of financial products.

Richard Wu is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he performs paraplanning duties through Longohmont, LLC under the supervision of a financial advisor. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Victoria Meo is a financial advisor at Edward Jones with eight years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Edward Jones in 2018, she worked for Main Street Title & Settlement Services LLC from 2001 to 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 advisors.

Tivan Szigethy is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at TIAA-CREF and Wells Fargo NA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves a diverse client base through discretionary and non-discretionary advisory offerings.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Michael Valenza is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at HSBC Securities, HSBC Bank USA, and Morgan Stanley Private Bank. He has been with Charles Schwab since 2020. 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, offering both non-discretionary and discretionary investment guidance with a multi-asset model portfolio approach.

John McMillen is a Planning Consultant at Fidelity Investments, where he collaborates within the Wealth Management team to provide financial planning and investment guidance. He has been serving in this role since 2025. Prior to becoming a Planning Consultant, John held several positions at Fidelity Investments, including Investment Solutions Representative from 2021 to 2025, Customer Relationship Advocate from 2020 to 2021, and Financial Services Associate from 2015 to 2020. John holds insurance licenses in Arkansas and California. Outside of his professional work, he is involved in activities such as fishing, fitness, reading, traveling, and volunteering.

Christine Maushardt is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. She has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. She operates WATERSEDGE WEALTH MANAGEMENT as a business related to her work with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of advisory services through a large network of independent advisors.

Mark Cinotti is a Series 66-credentialed financial advisor with 14 years of industry experience. He has worked at Ameriprise since 2020 and previously spent nine years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in a family-owned LLC that was established for real estate management but is no longer active. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Thompson is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. He has been with Cetera and its related entities since 2005, following a year at C.J.M. Asset Management. In addition to his advisory role, Thompson owns a tax preparation and consulting business focused on individual tax returns and financial planning related to mortgages and insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining affiliated and third-party strategies across discretionary and non-discretionary accounts.

Victor Melendez is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate since 2016. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual written recommendation reports, utilizing algorithmic automation overseen by a dedicated retirement income team.

Michael Dasilva is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2011. Outside of his advisory role, Dasilva is the owner and office manager of ESA Technology Solutions, a company that installs and supplies technology solutions in New Jersey. He also served on the boards of the IAABO and the New Jersey Interscholastic Lacrosse Officials Association. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and a range of capital markets services. The firm integrates institutional trading capabilities with wealth management and uses proprietary research and model-based asset allocations to tailor client plans.

Michael Imbarrato is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and was an Investment Adviser Representative with Cetera Investment Services, LLC from 2019 to 2023. Michael specializes in helping clients develop clear, personalized financial strategies tailored to their individual goals and circumstances. His approach involves understanding both the numerical aspects and the personal context behind each client's financial situation, enabling him to design investment plans that evolve alongside their lives. Michael's professional experience spans retirement preparation and financial decision-making support for clients balancing work, life, and finances. Outside of his professional work, Michael has interests in baseball, cooking and baking, exploring culinary experiences, music, outdoor adventures, and traveling.

Nathaniel La Goy is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating ESG eligibility frameworks where applicable.

Jessica Runkel is a Vice President and Financial Consultant at Fidelity Investments. In her current role, she partners with clients to understand their unique goals, co-create financial plans, monitor those plans over time, and help clients navigate life changes. She emphasizes providing financial peace of mind and values working for a firm that prioritizes clients and aligns with her own professional principles. Jessica has been with Fidelity Investments since 2017, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, and now Vice President, Financial Consultant. She holds a California Insurance License, supporting her expertise in financial planning and insurance matters. Outside of her professional work, Jessica enjoys beach activities, cooking and baking, family events, fitness, socializing with friends, and traveling.

Kimberly Bucello is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and methodologies such as Monte Carlo simulations.

Nicolaos Koutoulas is a financial advisor at J.P. Morgan Securities in New York, NY, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Perennial Pension & Wealth and The Investment Center, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and incorporates a broader derivatives and commodities capability.

Steven Paramo is a Financial Consultant currently with Fidelity Investments, a position he has held since 2020. He works closely with clients to build and maintain financial plans tailored to their unique situations, acting as their advocate to identify strategies that improve their financial outlook. Steven emphasizes open communication with clients and their families as goals evolve over time. Prior to his current role, Steven gained experience as an Associate Financial Consultant at Charles Schwab from 2017 to 2020 and as a Financial Planner at Ayco, a Goldman Sachs Company, from 2013 to 2017. He holds a California Insurance License. Outside of his professional work, Steven has personal interests that include food, hiking, visiting museums, outdoor adventures, snowboarding, and traveling.