Michael Erskine is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, and Wells Fargo Clearing. Outside of his advisory role, he serves as a trustee and executor for family trusts and estates. 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 individuals, high-net-worth clients, and various institutional investors.

Susan Silberman is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and having 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves as a co-successor in estate administration activities. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models and offers a wide range of retail and institutional investment solutions.

Derek Rodriguez is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and five years of industry experience. He has worked with PFS Investments Inc. since 2024 and has experience in the hospitality sector, including roles at Captain Lawrence Brewery and Game Day Sports Bar. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of financial advisors. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through established partners.

Bob Grenier is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2007. He is a CERTIFIED FINANCIAL PLANNER® professional, focusing on portfolio reviews, investment analysis, portfolio construction, asset allocation, and risk management. Bob works with clients in areas including Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Executive Compensation, Equity Compensation Services, and Tax Minimization. Bob holds a Master's Degree in Business Administration with a concentration in Accounting and a Bachelor's Degree in Finance, both from Sacred Heart University, where he graduated Summa Cum Laude. He is a member of Beta Gamma Sigma and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Outside of his professional work, Bob is involved in community activities such as Senior Law Day. His personal interests include music, reading, and skiing.

Michael Blevis is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and previously worked at Lazard Asset Management and Goldman Sachs, among other firms. He is also a financial advisor at Ela Financial Group, Inc. outside of his role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and nonprofit entities, and institutional accounts. The firm offers multiple portfolio management options, financial planning, and access to third-party money managers, operating through a large network of independent advisors.

Marcelo Sepulveda is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 66 and Series 63 designations. His career has been primarily with J.P. Morgan entities, including JPMorgan Chase Bank and J.P. Morgan Securities, spanning over a decade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Wade Wolfe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads a disciplined, goal-based approach to wealth management, assisting clients in identifying and prioritizing their financial objectives and concerns. Wade focuses on providing clear insights into retirement assets and the likelihood of achieving long-term goals under various risk scenarios, helping clients understand what they can afford throughout their lifetimes. Wade began his career in 1991 with a bond firm and joined Merrill Lynch in 2014 as part of The Pressman, Berntsen, and Wolfe Group. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Wade earned a Bachelor's degree in Business from St. Peter's College. A longtime resident of New Jersey, Wade lives with his family in Morris Plains. Outside of work, he enjoys golfing, reading, and spending time with his family.

Christopher Foster is currently serving as Vice President and Wealth Planner at Fidelity Investments. He holds the designation of CERTIFIED FINANCIAL PLANNER™ and has been with Fidelity since 2017, advancing from Financial Consultant to his current role in 2022. With over two decades of experience in financial services, Christopher has held positions including Premier Relationship Advisor at HSBC Securities, Wealth Manager at USAA Wealth Management, Private Banker at Wells Fargo Advisors LLC, and Financial Advisor at Chase Investment Services. His career reflects a broad range of expertise in wealth management and financial planning. Christopher emphasizes working closely with clients to understand their priorities and motivations, aiming to co-create customized financial plans that support clients and their families in pursuing financial fulfillment.

Frank Ward Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked at Equitable Advisors since 2017 and previously held roles at AXA Advisors, Transamerica Financial Advisors, and World Financial Group. In addition to his advisory work, he is also an insurance agent representing multiple carriers. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives.

Robert Sundermann Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked for Cadaret, Grant & Co., Inc. for 25 years and spent 37 years at IBM Corporation. Sundermann also operates Sundermann Financial Services, where he acts in a fiduciary capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options through its network of representatives, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Catherine Andrade is a financial advisor with Merrill in White Plains, NY, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. She has been with Merrill since 2002. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Angelo Zappala is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on structuring wealth accumulation, lifetime retirement income, and wealth transfer for individuals, families, executives, and business owners. Angelo has developed a comprehensive process that addresses all financial aspects of his clients’ lives, identifying unique real-life challenges and intangible risks, and explaining practical choices for their consideration. His approach is grounded in diligent wealth management and advanced strategies, positioning him as a trusted financial advisor. Angelo’s areas of expertise include divorce transition planning, family wealth management strategies, and services for endowments, foundations, and non-profits. He has been a Financial Advisor since 2008, beginning with Banc of America Investment Services. Angelo holds an M.B.A. in Accounting from Fordham University, a Master of Arts in History, and a Bachelor of Science in Psychology, both from Northeastern University. He has earned several professional designations, including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Angelo is actively involved in community service and volunteers for organizations such as CancerCare, Tomorrows Children's Fund, and Fulfill – the Foodbank of Monmouth County. His personal interests include cooking, hiking, music, and reading. Angelo’s professional philosophy centers on protecting clients financially and helping them make the best possible financial decisions.

Kevin Reiner is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Morgan Stanley in 2025, he worked at UBS Financial Services from 2016 to 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Marie Errico is a financial advisor with UBS Financial Services in Ridgewood, NJ, holding a Series 63 designation and bringing 41 years of industry experience. She has been with UBS Financial Services since 2007. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Nicholas Photiadis is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 28 years of industry experience. He has worked at LPL Financial since 2011 and previously spent seven years at Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Rachel Parrish is a financial advisor at Charles Schwab with 18 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Morgan Stanley and E*TRADE Capital Management. Charles Schwab & Co., Inc. serves a large client base mostly composed of 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 offers both non-discretionary and discretionary investment guidance, combining multi-asset model portfolios with access to alternative investments and cash-sweep services.

Darrel Upson is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory work, Upson is involved in business consulting through Endurance Operations Management LLC and Puente Sur Sports Management LLC, and serves on the board of Lutheran Social Services of New York. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement, combining research, modeling, and tax-efficiency analysis to provide written recommendations. The firm serves clients with significant investable assets and integrates advisory, brokerage, and insurance solutions through its affiliated companies.

Benjamin Sokol is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He is a CERTIFIED FINANCIAL PLANNER® professional with over 20 years of experience in financial markets. Benjamin focuses on empowering clients to make informed financial decisions by uncovering their needs and goals, then implementing customized plans. Prior to joining Fidelity, Benjamin worked at JP Morgan from 2012 to 2019 in various positions including Private Client Advisor - Vice President and Investor Associate. He also held roles as Senior Associate in Advisory Services at Thomson Reuters in 2012 and as Senior Proprietary Equity Trader at AMR Capital Trading from 2002 to 2011. Benjamin holds a California Insurance License.

John Ford is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at firms including Charles Schwab, Fidelity Investments, and Prudential. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative screening and qualitative research in its advisory process and offers access to derivatives and commodities capabilities through its broader regulatory registrations.

Frank Aiello is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 47 years of industry experience. He has worked at Merrill since 1998 and at Bank of America, N.A. since 2009. Outside of his advisory role, Aiello serves as a committee member for the Hall of Fame Committee in athletics at Fordham University. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.