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.

John Connelly Jr. is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 63 designation and bringing 33 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he is designated as the future executor of his uncle’s estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research, fiduciary financial planning, and a broad range of capital markets services.

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.

Robert Traitz is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Stifel since 2007. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved in a tutoring business through Traitz LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations. The firm offers brokerage and investment advisory services utilizing a proprietary investment methodology developed by its Investment Strategy Group to inform asset allocation and financial planning.

James Lemons is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Advisors since 1995 and also has involvement with Fantasy Island Amusement Park and Red Robert Ball. Outside of his advisory role, he participates in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for portfolio implementation, operating under a tiered wrap-fee structure.

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.

Gregg Trentham is a financial advisor at Morgan Stanley with 24 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Scott Ashley is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as 15 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

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.

Christian Carbajal is an advisor with Equitable Advisors and holds the Series 66 designation. He has been with Equitable Advisors since 2026 and has prior experience in a variety of roles outside the financial industry, including positions at Blooming Brands Inc./Bone Fish Grill. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a variety of advisory programs, many implemented through third-party managers, and offers ERISA fiduciary services for qualified plans.

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.

Tim Beckemeyer is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

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.