Edward Giblin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Resources. Outside of his advisory role, he serves as a trustee for the John J. Giblin Civic Association and is involved in insurance brokerage through Giblin Financial, LLC. 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 emphasizes collaborative, annual financial planning engagements and offers various programs including educational seminars and event-driven planning services.

Ralph Courtland is a CFP® with 24 years of industry experience, currently serving at Wells Fargo Advisors. He has worked in various roles within Wells Fargo firms since 2009. Outside of advising, he teaches financial management courses at Marist College and delivers Series 65 prep instruction, in addition to writing articles for Mises.org. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include niche areas such as business-owner transition and special-needs planning. The firm integrates advisory services with other financial products and referral channels.

Adam Tett is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2015. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Mariam Kikilashvili is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Her prior work experience includes roles at Jesse M. Branson: Allstate Insurance and Kevin Fallon - State Farm Insurance Agent. Outside of finance, she has worked with Amazon Flex. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Shell is a financial advisor with RBC Capital Markets in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ Advisory Risk Profiles.

Husan Iddin Abdul Ghani is a Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2012, he has brought over a decade of experience in the financial services industry, focusing on helping clients with financial strategies, asset allocation, and long-term investing to achieve their financial goals. Husan works closely with clients to develop personalized financial plans and serves as a financial quarterback, coordinating resources from Merrill Lynch and partnering with other trusted professionals to meet his clients' personal, business, and professional objectives. Husan's expertise includes corporate benefit programs such as equity compensation, defined benefit and contribution plans, and nonqualified deferred compensation plans. His client focus areas cover liquidity management, retirement planning, philanthropic and socially responsible investing, portfolio management, and strategies for small businesses, sports, and entertainment sectors. He is a 2008 graduate of Johnson C. Smith University with a B.A. in Communication Arts and holds the Personal Investment Advisor (PIA) designation. Husan is actively involved in his community through volunteering with organizations including the International Gathering at Beth Rapha church, Omega Psi Phi Fraternity Inc., the NAACP's AACTSO mentoring program, Junior Achievement, and local food banks and shelters. He is also a sports enthusiast with a background playing college football and follows teams such as the New York Giants, Knicks, and Yankees.

Michael Di Giaimo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including NYLIFE Securities LLC, Eagle Strategies LLC, and Mass Mutual Life Insurance Company. 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. The firm focuses on non-discretionary services delivered by a select group of Wealth Advisors.

Matthew Coughlin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, with prior roles at PNC Investments, Santander Bank, Santander Securities, and TD Ameritrade. 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. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Linda Godfrey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients achieve financial freedom and peace of mind through personalized wealth management strategies. Her approach involves educating clients to understand their investments and structuring portfolios that support both accumulation during working years and income strategies in retirement. Linda specializes in areas including personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. She holds a Bachelor's Degree from Colgate University and professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in Merrill Lynch Women's Exchange as President of the Northern New Jersey Chapter and is a contributing member of Phi Beta Kappa. Her community involvement includes volunteer work with the Center for Food Action, Make-A-Wish (Walk for Wishes), Ramapo Bergen Animal Refuge as a foster family member, and participation in United Way's Tribute to Women in Industry program. Linda is also fluent in French and English, with personal interests that include cooking, dancing, football, gardening, hiking, scuba diving, tennis, traveling, and writing.

Richard Gaba is a financial advisor with Cetera, holding a Series 66 designation and 30 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Cetera Investment Advisers LLC is a nationally registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Adam Pena is a Financial Advisor at Merrill Lynch Wealth Management, where he works with individuals, families, and business owners to simplify wealth management. He focuses on understanding clients' goals, family priorities, business interests, and legacy objectives to develop personalized strategies. His expertise includes wealth growth and preservation, retirement planning, education funding, tax-efficient strategies, and legacy planning. Adam holds the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree in Economics from the State University of New York System at Binghamton. Adam resides in Westwood, NJ, and enjoys spending time with his family, as well as participating in adventure sports, football, golfing, hiking, music, photography, running, traveling, and watching movies. He is also committed to giving back to his faith and community.

Damien Paumi is a CFP®-credentialed financial advisor with 25 years of industry experience. He is currently with Cetera and has held roles at Avantax Investment Services and Nisivoccia LLP. Paumi serves as President of The 200 Club of Morris County, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Dinesh Mahtani is a financial advisor with Primerica Advisors, holding Series 63, Series 65, and Series 66 designations and 21 years of industry experience. He has worked with PFS Investments Inc. since 2013 and has been affiliated with Primerica Financial Services since 2000. Outside of advisory activities, he is involved in sales of investment-related products and refers home security, automation products, and other home-related services through affiliated companies. Primerica Advisors serves primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Deborah Richin is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 63 designation and bringing 27 years of industry experience. She has been with UBS since 2014. Outside of her advisory work, she serves as executor and administrator for multiple estates, working alongside attorneys and accountants to manage and distribute assets according to the respective wills. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

David Berntsen is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing 38 years of experience in the wealth management field. He specializes in family wealth management strategies, legacy planning, and portfolio management services. David works closely with clients to examine various financial documents and understand family dynamics to deliver tailored advice and guidance. Throughout his career, David has worked for an institutional bond broker and other prominent wealth management firms before joining Merrill in 2014 along with his team members. He holds a Bachelor's degree from Ramapo College and the Professional Investment Advisor (PIA) designation. A native of Allendale, New Jersey, David resides with his family in Chester, New York. His personal interests include sailing, biking, skiing, golf, and fly-fishing.

John Diaz is a financial advisor at Morgan Stanley with Series 63 and Series 65 designations and four years of industry experience. He has held roles within Morgan Stanley since 2021, including a position at Morgan Stanley Private Bank, N.A. from 2024 to the present. Prior to his financial career, Diaz worked briefly at Tommy Bahama and the YMCA. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Matthew Perreault is a Financial Consultant at the Paramus, NJ Investor Center, where he works closely with local clients to provide guidance and education about their investments and their overall financial picture. He and his team focus on understanding each client's full situation and goals to help build comprehensive financial plans tailored to those objectives, aiming for successful outcomes and peace of mind. Matthew has held a series of roles at Fidelity Investments since 2021, including positions as Customer Relationship Advocate, Help Desk, Financial Representative, Relationship Manager, Planning Consultant, Investment Consultant, and currently as Financial Consultant. This progression reflects his broad experience within the company and the financial services industry. Outside of his professional career, Matthew has personal interests that include hiking, movies, music, outdoor adventures, pets, and soccer.

Connor Geary is a financial advisor with LPL Financial who holds a Series 66 designation and has been in the industry since 2026. His prior work experience includes positions at Wintrust Life Finance and Albertsons Companies. Outside of finance, he has participated in community activities such as the Lavallette Beach Patrol. 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 wide range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Robert Jannicelli is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2010. He holds the Series 63 and Series 66 registrations. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Joel Saperstein is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MassMutual Life Insurance Co and Mass Mutual Investors Services since 2001. Outside of advising, he is involved in sales related to life, health, group life, and group health insurance. Mass Mutual Investors Services 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 tools to develop goal-based recommendations without discretionary investment authority.