Josephine Holguin is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Merrill in 2024, she worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2019 to 2024. She has also held positions outside finance, including at Holiday Inn and Santa Fe College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, offering tax-aware options and various portfolio implementation features.

Ramsey Khattab is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corp. for 21 years. Outside of advisory work, he owns and operates multiple businesses including a social networking dating portal and various medical aesthetics and wellness ventures. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutional clients through a large network of financial advisers and offers integrated brokerage and advisory services. The firm employs a variety of investment platforms and tools, including third-party models and managed-account solutions.

James Cramer is a financial advisor with Edward Jones in Pompton Plains, NJ, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Yedidya Diena is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Before joining Merrill and Bank of America in 2026, he operated a custom clothing business and held various roles in educational and nonprofit organizations, including Chai Lifeline Canada and Touro University. His outside business activities include managing a custom clothing enterprise. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Bajakian is a financial advisor at Primerica Advisors with 34 years of industry experience. He has been with Primerica Financial Services since 1991 and with Primerica Advisors since 1990. Bajakian is registered with Series 63 and Series 65 licenses. His other business activities include sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

Constantino Di Taranto is a financial advisor with LPL Financial holding a Series 66 designation. He has worked at LPL Financial and Northern Advisory Group since 2026 and has prior experience in the homebuilding industry and education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by operational tools including machine learning.

Joseph Brunelli is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he is a trustee for his father's trust and holds a minority ownership in a real estate holding company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Philip Thampan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including a tenure with AXA Advisors prior to the firm's rebranding. Equitable Advisors serves individuals across wealth levels, as well as pension plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a range of proprietary and third-party advisory programs.

Daniel Twomey is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial since 2011. Prior to joining LPL, he worked at Edward Jones from 2005 to 2010. 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 range of financial planning, portfolio management, and retirement advice services through a network of investment adviser representatives.

James Stein is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with Ameriprise and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stein holds Series 63 and Series 65 licenses. Ameriprise provides a retirement-income planning service tailored for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm supports a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Amy Miller is a financial advisor at Morgan Stanley with 17 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she works as an independent contractor in a direct sales position. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Michael Karlewicz is a Certified Financial Planner® with 10 years of industry experience. He has worked at UBS Financial Services since 2022 and previously held positions at Bank of America and Merrill from 2016 to 2022. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management and offers a range of services including fee-based financial planning, portfolio management, and access to proprietary research and capital markets solutions.

Deann Cavagnaro is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with UBS since 2016. Outside of her advisory role, she serves as Treasurer on the Ramapo Board of Education, overseeing financial records and reporting for the organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and 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 provides a broad range of capital markets and investment solutions.

Jason Hollowell is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017, following prior roles at PNC Investments LLC and PNC Bank. 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 integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Antonio Colon is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Freedom Bank and various positions in education and other fields. Charles Schwab & Co., Inc. serves a large client base, primarily 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 options, utilizing multi-asset model portfolios and alternative investment due diligence.

Danny Izquierdo is a financial advisor with Merrill in Clifton, NJ, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he is the sole owner of a rental property business. 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, and institutional investors.

Robin Ax is a financial advisor with UBS Financial Services in Paramus, NJ, holding 29 years of industry experience. She has been with UBS since 2006. Outside of her advisory work, she serves on the investment committee for the Sisters of Saint Dominic of Blauvelt, a religious organization focused on education and special education programs. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Lawrence Marciano III is a financial advisor with LPL Financial in Montville, NJ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at several firms, including Ameriprise Financial Services, Inc., Stifel, and Ryan Beck & Co. Marciano is also involved in tax preparation and accounting services through Prestige Family Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions, including financial planning, model portfolios, and third-party asset management, supported by extensive research and technology tools.

Brendan Fitzpatrick is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Steward Partners Global Advisory LLC and has experience in various roles outside the financial industry. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines algorithmic automation with personalized reviews to deliver tailored retirement income advice.

Jack Van Itallie is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation. He joined Morgan Stanley in 2025 after completing ten years of full-time education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.