Anthony Molfino is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Planning Alliance, and Richards Rentals and Stylized Events. Outside of finance, he has experience working in retail and operations, including at Dick's Sporting Goods and Magic Wash Car Wash. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Guerin is a Certified Financial Planner (CFP®) with 35 years of industry experience, currently affiliated with LPL Financial in Bridgewater, NJ. He has held positions at Peapack-Gladstone Bank and Linsco/Private Ledger since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kelly Lynn is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 17 years of industry experience. She has worked with Wells Fargo in various capacities since 2008 and has been affiliated with William Paterson University since 2006. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

Jayson Astel is a CFP®-credentialed financial advisor with 15 years of industry experience, currently practicing at Edward Jones since 2010. He is involved in overseeing operations for a small business startup focused on an indoor playground and manages related project and cash flow activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, managing approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors.

Scott Lowder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Merrill and Bank of America and is a founding partner of Harvest Wealth, where he provides financial advice to corporate executives, retirees, and families. Additionally, he is an insurance agent selling life, annuities, and long-term care 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 multi-manager platform with a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Joseph Nelligan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as a financial quarterback for his clients, employing a comprehensive approach to wealth management that starts with attentive listening to understand each client's unique goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Joseph integrates various aspects of his clients' financial lives to provide tailored strategies. Joseph's expertise encompasses college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Drexel University. Committed to community involvement, Joseph follows Merrill's tradition of participating in the communities served and volunteers with the Delaware Valley Alzheimer's Association. Outside of his professional life, he enjoys golfing, music, spending time with his family, and traveling.

Soojan Shao is a financial advisor with Cetera, holding a Series 66 registration and 20 years of industry experience. Prior to joining Cetera in 2025, Shao worked at Avantax in various roles from 2014 to 2025. In addition to advisory work, Shao operates a seasonal tax preparation practice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of investment program structures.

George Cuevas II is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 registrations and has 17 years of industry experience. He previously worked at Bank of America and Merrill Lynch for 10 years before joining Raymond James and associated firms in 2021. He is also the CEO of Maverick Wealth Advisors LLC, an entity established for tax and bookkeeping purposes. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

James Carle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1985 and currently holds the positions of Senior Vice President and Senior Financial Advisor. James holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). James specializes in helping clients develop and review personalized investment management strategies with an emphasis on proper asset allocation and diversification. His expertise covers a range of client focus areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He also serves on the Retirement Planning Financial Advisory Board at Merrill and is a 529 Program Coordinator. James earned a Bachelor’s degree in Business Management from Franklin & Marshall College. He lives in Bernardsville, New Jersey, where he is active in the community. He has served as President of the Board of the St. John's on the Mountain Nursery School, participated on the Board of the Somerset Hills Little League, and coached multiple youth sports. James is also a lector at Our Lady of Perpetual Help Church and has served on the School Advisory Committee for The School of St. Elizabeth.

Rebecca Hayevy is a financial advisor with Merrill in Bridgewater, NJ, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has worked at Merrill since 2016. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Scott Harvey Sr. is a financial advisor with LPL Enterprise, holding the Series 63, Series 65, and Series 66 designations and over 31 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Theia Analytics Group. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that also includes brokerage and insurance products.

Richard Morrow is a financial advisor with LPL Financial in Scotch Plains, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2020. Outside of advisory work, he is an insurance agent specializing in fixed life and fixed annuities and is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

John Mc Caffery is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior work includes roles at Deloitte & Touche LLP and TP ICAP plc, as well as an academic period at James Madison University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved software and structured annual planning engagements.

Damon Vartabedian is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 66 designation and has worked at various Fidelity entities since 2005, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it maintains regulatory registrations uncommon among large institutional peers.

Malgorzata Kaczynski is a financial advisor with Primerica Advisors in Cranford, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Primerica and its affiliated entities since 2021 and also has over two decades of experience with Westfield Public Schools. Outside of advising, she is involved in the sale of loan products and home security services through Primerica-affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies overseen by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Kathleen Maloney is a Wealth Management Advisor at Merrill Lynch Wealth Management in Short Hills. She has been with Merrill since 1999 and has over 25 years of experience in finance. Prior to joining Merrill, she worked for nine years at Summit Bank Corp. Kathleen collaborates with clients to clarify their current situation, risk parameters, objectives, and life goals in order to develop and implement personalized financial strategies. She holds a Bachelor of Arts in Political Science with a concentration in Business from Rutgers University. Kathleen has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her client focus areas include divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Outside of her professional role, Kathleen enjoys activities such as biking, gardening, golfing, reading, tennis, and traveling. She is involved in her community, particularly with The Jersey Shore Rescue Mission, which supports homeless and less fortunate individuals in Monmouth County. Kathleen is also a member of professional organizations including USSWGA, GSWGA, and WNJGA.

George Goodfriend is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Evercore and American Corporate Partners. J.P. Morgan Securities LLC 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 process.

Thomas Donlon is a Series 66-licensed financial advisor with Merrill, based in Iselin, NJ, and has three years of industry experience. His prior roles include positions at Bank of America and Raistone Capital. He also has a background that includes work at Lebanon Valley College and Six Flags Great Adventure. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yin Long is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and with 33 years of industry experience. He has been with MML Investors Services since 1998 and with Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory work, Long serves as a board member of the New Jersey Chinese American Chamber of Commerce and is a trustee for both the New Jersey Symphony and Classically Connected, Inc. He is also involved in consulting for Wycentaur Tea LLC and co-founded Miao Consulting LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools to inform investment strategy recommendations.

Elizabeth Novak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has worked within various Wells Fargo entities since 2013, including Wells Fargo Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, combining research and analytics with a broad range of brokerage and advisory solutions.