Ronnie Guidone is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He has been working in the financial services industry since 2004, providing clients with comprehensive wealth management strategies tailored to their individual needs. Ronnie emphasizes a client-centered approach, focusing on listening and facilitating informed decision-making to help clients achieve their financial and legacy goals. With over 15 years of experience, Ronnie specializes in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronnie earned a Bachelor's Degree from Monmouth University and is a member of the American Football Coaches Association. Residing in Millstone Township, NJ, Ronnie lives with his wife, Lisa, and son, Giovanni. Outside of work, he enjoys baseball, boxing, football, and yoga. His professional philosophy centers on understanding clients’ values and goals through personalized communication to deliver tailored financial strategies.

Jeffrey Ternyila is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. for 15 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Louis Obsuth is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Louis focuses on developing financial plans that aim to benefit his clients and their families both now and in the future. Throughout his career at Fidelity, Louis has built strong relationships with his clients and is committed to partnering with them to achieve their financial goals. His professional experience is centered on financial consulting and investment representation. Outside of his professional work, Louis has personal interests that include beach activities, family activities, parenthood, soccer, and volunteering.

Cesare Cagnina is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005, including its prior affiliation with Axa Advisors. Outside of his advisory role, he maintains an appointment related to health insurance through Emerson Rogers. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm emphasizes personalized client risk assessment and utilizes a range of third-party asset managers and advisory platforms in its investment approach.

Harry Padden IV is a financial advisor at UBS Financial Services with the Series 66 designation and less than one year of industry experience. His prior roles include work at Appenzeller Training Systems and teaching positions at Monmouth University and AP Schalick High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Kevin Mccartney is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 25 years of industry experience. His career includes roles at MassMutual Life Insurance Co and MSI Financial Services, Inc. since 2005. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers various programs including wrap and money-manager services, and educational seminars.

Danielle Libraty is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at Medical Billing Associates before joining UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Peter Getschmann is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA, since 2007. J.P. Morgan Securities LLC 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Matthew Goldberg is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 licenses and has a background that includes roles at JPMorgan Chase Bank, Advanced Action Pest Control, and the College of Staten Island. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Arthur Paulin is a financial advisor at Merrill with the Series 66 designation and 21 years of industry experience. He has been with Merrill since 2004. 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 strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Erin Zawisza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining Wells Fargo in 2022, she worked for Bank of America/Merrill Lynch for 11 years. She serves as treasurer for the Crimson Knights Foundation and is a board member of the Killington Grand Hotel Home Owners Association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.

Faissal Yousef is a Series 66 credentialed financial advisor with 21 years of industry experience, currently with UBS Financial Services in Red Bank, NJ since 2017. His prior experience includes roles at Merrill Lynch, A.G. Edwards & Sons, and Morgan Stanley. Outside of his advisory work, he is the proprietor of several rental real estate businesses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations with research from its Chief Investment Office and global resources to tailor client plans. The firm integrates institutional trading capabilities with wealth management services and operates across a broad range of capital markets activities.

Jason Thieme is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2026. Prior to this position, he served as a Branch Leader at Fidelity Investments from 2022 to 2026. In his leadership capacity, Jason is committed to helping associates maximize their potential by following a structured framework for success. Outside of his professional responsibilities, he has interests that include the beach, cars, fitness, pets, reading, and volunteering.

Dhruv Oberoi is a Financial Advisor - FADP with Merrill Lynch Wealth Management, specializing in comprehensive wealth management and long-term financial planning. He focuses on client areas including college and education planning, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income. With over 20 years of experience studying markets and investing, Dhruv holds a Bachelor’s degree from the University of Iowa and a Master’s degree in Finance from Baruch College. He holds the Personal Investment Advisor (PIA) designation and provides a wide range of services such as investment management, everyday banking, home loans, business banking and lending, retirement planning, college savings, and trusts and estate planning. He is fluent in Hindi and English. Dhruv values building long-term relationships with his clients and aims to be a proactive resource for their financial needs. Outside of his professional duties, he is involved with Bank of America volunteering and enjoys interests such as billiards, bowling, golfing, reading, spending time with family, table tennis, tennis, and watching movies.

Nicholas Condit is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to design financial strategies that emphasize durability and adaptability over time. His approach focuses on helping clients understand the interaction between investments, cash flow, and risk exposure, aiming to support sound decision-making as market conditions and life circumstances change. Nicholas's expertise includes college education planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, special needs planning strategies, women and wealth, and sports & entertainment. He provides ongoing guidance and disciplined review to help clients stay aligned with their long-term goals and navigate periods of stress with confidence. He holds a Bachelor's Degree from Syracuse University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Nicholas is involved with the Leukemia and Lymphoma Society and has personal interests in football, golfing, music, reading, skiing, spending time with family, swimming, traveling, and watching movies.

Adam Shilkoski is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2018. His prior experience includes positions at Foresters Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework when recommending investment strategies.

Bruce Perhach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Royal Alliance Associates and Investment Advisors Asset Management, LLC. 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 variety of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

David Sasso is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of the Wall Knights Family Foundation, a nonprofit focused on children, youth, and sports. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations as part of its financial planning process.

Nicole Picone is a financial advisor at Cetera with 19 years of industry experience. She holds the PFS™ designation and Series 63 license. In addition to her advisory role, Picone is a partner at MPF Professionals P.C., where she oversees tax and accounting services. She is also involved as a registered representative with Maniscalco Wealth Management, Ltd. and Posterity Family Wealth Management Ltd. Cetera Investment Advisers LLC is an SEC-registered firm that provides financial planning, portfolio management, and retirement services through a broad network of independent advisors. The firm serves a diverse client base including individuals, employer-sponsored retirement plans, and institutional accounts, offering customizable investment strategies and access to third-party money managers.