Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

Eric Collier is a financial advisor with Cetera, holding Series 63 and Series 65 credentials. He has been with Cetera and its affiliates since 2025, following a brief tenure at KPMG. His professional experience in the industry is just beginning. Cetera Investment Advisers LLC is an SEC-registered adviser serving 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, supporting over 10,000 advisors and managing upwards of $256 billion in assets.

Gregory Baro is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by a structured process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Trevor Jones is a CFP® with 17 years of industry experience, currently affiliated with Ameriprise since 2013. He holds Series 66 and has served in various nonprofit roles, including trustee and treasurer of St Joseph's Outreach and board member of St Paul Inside the Walls. Additionally, he coaches boys and girls lacrosse teams through Steps Lacrosse LLC. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michelle Bartosik is a financial advisor with Merrill and holds a Series 66 designation. She has 19 years of industry experience, including roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and Bank of America, N.A. since 2011. Outside of her advisory role, she works part-time as a gymnastics coach for a family business called Gymnastics Unlimited. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Edward Kucharski is a CFP® with 42 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2023, following a 23-year tenure at FSC Securities Corporation. Outside of his advisory role, he has operated a mortgage and real estate referral group and a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and technology-driven solutions.

Neil Altshuler is a CFP®-designated financial advisor with 26 years of industry experience, currently affiliated with LPL Financial since 2022. His prior roles include positions at Securities America Advisors and National Planning Corporation. He is also involved in tax preparation and accounting through his work with BKC CPAs, PC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by various model portfolios, research resources, and technology integration.

Marissa Greco is a financial advisor with Osaic Wealth, Inc. in Branchburg, NJ, holding a Series 66 designation and having 10 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation for 10 years. Outside of her advisory role, she is involved in retail operations as an operations buyer and has authored a financial education book titled "Bottom Up Wealth." She also provides consulting services related to divorce financial analysis and marketing strategy. OSAIC serves a broad range of clients, including individual and high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk assessments, and portfolio management strategies that incorporate various investment types and third-party solutions.

Christina Knaus is a CFP® and ChFC® with 11 years of experience in the financial services industry. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Christopher O'Grady is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2015 in various capacities and assumed his current role in 2023. He partners with individuals and families to create financial strategies aimed at avoiding common pitfalls before and throughout retirement. Prior to his tenure at Fidelity Investments, Christopher held positions as a Financial Advisor at Morgan Stanley and held senior roles in equity derivatives at NYC X-Change Financial Access LLC and Elevation LLC. He holds a California Insurance License.

Christopher Russo is a financial advisor at Osaic Wealth, Inc. He holds a Series 66 designation and has previously worked at Marsh McLennan and Duff & Phelps. Russo has one year of industry experience. Osaic Wealth serves a diverse range of retail and institutional clients through a network of affiliated financial advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using asset-allocation tools and third-party solutions to manage portfolios across various investment types.

Earl Pedersen Jr. is a financial advisor with LPL Financial holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Cetera, Allied Wealth Partners, and Securian Financial Services. In addition to his advisory work, he is employed by the New Jersey Department of Treasury investigating businesses for tax compliance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and diverse investment strategies.

Lois Tubbs is a financial advisor with Merrill in Flemington, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. Her work history includes positions at Bank of America Merrill Lynch, Morgan Stanley Private Bank, and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of model-based and discretionary investment strategies with support from internal and third-party portfolio managers.

William Leach is a Series 66-credentialed financial advisor with 21 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2010. Outside of his advisory role, he leads a small group prayer ministry for fathers called Dads in Prayer, which focuses on providing spiritual leadership resources and support. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning without discretionary trading authority and combines planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Edward Collins is a financial advisor with LPL Financial in Lebanon, NJ, holding a Series 66 designation and 27 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory work, he co-owns Vimagery Inc and Eat Right Vending, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing a range of discretionary and non-discretionary management solutions supported by proprietary and third-party research.

Joseph Hodakowski Jr. is a financial advisor at Cetera with 16 years of industry experience. He holds the Series 66 designation and has worked at firms including Avantax and 1st Global Capital Corp, as well as operating his own wealth management entity, BKC Wealth Management. He is also a shareholder at BKC CPA's, where he mentors staff and oversees tax-related responsibilities. Additionally, Hodakowski serves as a trustee for family educational and special needs trusts. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various investment options, including model portfolios, third-party managers, and bespoke strategies, encompassing discretionary and non-discretionary account management across multiple custodial arrangements.

Joseph Carty is a financial advisor at Edward Jones with 34 years of industry experience. He holds a Series 66 designation and previously worked at Weeden and Company for 36 years before joining Edward Jones in 2023. His earlier roles include positions at NYLIFE Securities, LLC and New York Life Insurance Company. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Jonathan Cohen is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2015. In addition to his advisory role, he serves as a soldier in the US Army National Guard. 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 plans, corporations, and charitable organizations.

Lindsay Yarnell is a CFP® and holds a Series 66 license with 11 years of industry experience. She currently works at Morgan Stanley, having been with the firm and its affiliates since 2023. Prior to joining Morgan Stanley, Yarnell worked at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and research, managing approximately $2.74 trillion in client assets.

Louis Mancinelli is a financial advisor at LPL Financial with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Cadaret, Grant & Co., Inc. and Securities America Advisors. Outside of his advisory role, he is engaged in insurance sales of life, health, and long-term care products through Highland Capital Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.