Frank Pavese is a Certified Financial Planner (CFP®) with 28 years of industry experience. He is currently with Wells Fargo Clearing Services LLC, where he has worked since 2019, following a four-year tenure at UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Zappe is a Series 66 credentialed advisor at Fidelity with less than one year of industry experience. His background includes positions at ChangeBridge Growth Partners and fiduciary roles associated with Catholic University of America. Outside of financial advising, he was involved with The Great Divide Campground for three years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios including mutual funds, ETFs, and ETPs.

John Dipaolo is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Garrett Valentino is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Ameriprise Financial Services LLC and Chubb/Avenica Inc. Outside of finance, he has been involved with Proskate for over a decade. 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 applying an ESG framework in its recommendations.

Taylor Brady is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Chase & Co. from 2015 to 2021. Brady is based in Morristown, NJ. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm‑approved tools and methods such as Global Investment Committee estimates and Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

James Broderick is a CFP® professional affiliated with LPL Financial, with 14 years of industry experience. He has worked at several firms, including Northwestern Mutual Wealth Management Company and multiple independent practices, before joining LPL Financial in 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, using various investment strategies supported by research and technology tools.

John Guerra III is a financial advisor at Stifel with one year of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Snipes. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

John Mckenna is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Darwin Noel is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that begin with understanding his clients' financial situations and priorities. Drawing on the investment insights of Merrill and the banking services of Bank of America, he assists clients in managing various aspects of their financial lives. His areas of expertise include legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, sports and entertainment, and individual and corporate investment strategies. Darwin holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Montclair State University. In addition to his professional work, Darwin is a member of the Tri-State Black Executive Leadership Team and participates in community activities such as the Bloomfield High School Football Alumni Camp and the Boys and Girls Club Newark. His personal interests include baseball, cooking, football, golfing, music, spending time with his family, and watching movies.

Robert Finkle is a CFP® with 31 years of industry experience and is currently affiliated with Stifel. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Stifel serves a broad client base, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Christopher Greco is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management delivers a wide array of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Robert Bendock is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on family wealth management strategies, liquidity management, and portfolio management services. He works closely with clients to understand their personal perspectives and priorities to create personalized financial plans aimed at achieving long-term goals. Robert holds a Bachelor's Degree from Seton Hall University and maintains the Personal Investment Advisor (PIA) designation. He is fluent in English and Spanish, and is a member of the professional organization HOLA. His community involvement includes participation with the Center for Great Expectations. Outside of his professional work, Robert enjoys golfing, ice hockey, and music. He values lifelong learning and has a strong interest in math and statistics.

Gerard Raho is a financial advisor with Edward Jones in Mendham, NJ, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he is co-founder of Michael Gerard Designs, a flatware design business, and serves as Vice President of the Mendham Business Association in a largely ceremonial capacity. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is known for its extensive retail advisor and branch network, as well as offering affiliated trust and securities-based lending services.

Christopher Pareres is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher completed his Bachelor's Degree at Saint John's University and also attended a non-accredited certificate program at New York University. His role involves providing financial planning and investment advisory services.

Bradford Bonner is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Short Hills, New Jersey office. He has 20 years of experience working with high net-worth individuals and institutional investors, developing investment strategies aimed at meeting both short-term needs and long-term financial goals. His approach includes using in-depth personal profiles to understand clients' financial objectives and priorities, offering advice on a range of asset classes including alternative investments. Brad graduated from Lafayette College with a bachelor's degree in Economics and a minor in English. He is a Personal Investment Advisor (PIA) and began his career in the institutional equity sales and trading training program at Merrill Lynch before spending six years with Oppenheimer & Co. He serves in several community roles including Chair of the Scholarship Committee for The College Men's Club of Westfield, Executive Board Member of The Pingry School Alumni Board, Ice Hockey Trustee of the Beacon Hill Club, and is active with Camp Dudley. Outside of his professional work, Bradford enjoys golfing, playing adult ice hockey, boating, fishing, hiking, tennis, traveling, and spending time with his family. He lives in Westfield, New Jersey with his wife, Alexandra, and their three children.

John Grauer is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 credentials and seven years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Merrill, and General Nutrition Center. He serves as Vice President of a Business Networking International chapter in Charlotte, North Carolina. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Joshua Vallejos is a financial advisor with LPL Enterprise, LLC, holding Series 65 and Series 66 licenses and four years of industry experience. His prior experience includes roles at T.D. Bank N.A., TD Private Client Wealth LLC, Edward Jones, Bank of America, Merrill, and other firms. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Brett Albinson is a Wealth Management Advisor and a member of the LC & Associates, a multigenerational wealth management team at Merrill Lynch Wealth Management. In this role, he provides financial guidance to a wide range of clients, helping individuals, families, executives, and business owners manage wealth through comprehensive financial planning. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Accredited Portfolio Management Advisor (APMA), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Albinson earned a Bachelor's Degree from Allegheny College. His expertise spans investment consulting, retirement planning, executive compensation, tax minimization, portfolio management, education planning, small business strategies, and services for defined benefit and contribution plans. Albinson emphasizes trust as the foundation of his client relationships, prioritizing consistency, preparation, transparency, and active listening. Outside of his professional work, he is involved with community organizations including Friends of Allegheny Football and The Elizabeth Ann Albinson Memorial Foundation, and supports Toys for Tots. He enjoys golf, following sports, spending time with his wife Jessica, family, and friends, and walking his rescue dog along the Hudson River waterfront.

Sean O'Brien is a financial advisor with Primerica Advisors in Parsippany, NJ, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with Primerica Advisors since 2013 and previously spent nine years with Interstate Container. Outside of his advisory role, he is an independent packaging sales representative and serves as an executor for a client estate. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides custody and trade execution support through Pershing and BNY Mellon Advisors.

Linda Yu is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has worked at LPL Financial since 2025 and previously operated Linda M. Yu, CPA LLC, providing tax preparation and accounting services since 2022. Outside of advising, she owns Yu's Black Belt Institute, Inc., a business unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services delivered through a large network of advisors utilizing various portfolio strategies and third-party resources.