Scott Howell is a CFP® with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at HSBC Bank USA, HSBC Securities (USA) Inc., Citigroup Global Markets, Citicorp Investment Services, Chase Investment Services Corp., and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options supported by technology and has a significant presence with over 22,800 advisors and $819 billion in discretionary assets.

John Crlencic is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

Warren King is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Capital Craft. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Christopher Ferrone is a financial advisor with LPL Financial in Branchburg, NJ, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MMLIS Investors Services, Massmutual, Ameriprise Financial Services, and Morgan Stanley. Outside of his advisory work, he is involved with Going Gold Choreography, LLC, a non-investment-related activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, and other institutions. The firm supports its investment adviser representatives with a broad platform including financial planning, model portfolios, third-party asset management, and institutional programs.

Michelle Hyde is a financial advisor with Equitable Advisors in Chester, NJ, holding Series 63 and Series 66 licenses and having 22 years of industry experience. She has worked at Equitable Advisors since 2006, including a current tenure starting in 2015, and maintains an accounting role as a CPA with Cicchini & Associates. Equitable Advisors serves individual clients—including non‑high-net-worth and high-net-worth individuals—as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Lynn Delprado Araneta is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with OSAIC. She was previously with Signator Investors, Inc. for 37 years before joining Royal Alliance Associates, Inc. in 2018. In addition to her advisory roles, she is involved with ACORN Financial Services Inc., focusing on retirement, insurance, investment, and college education planning, as well as term and universal life insurance brokerage. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, affiliate network, and private-equity ownership.

Lauren Difabritis is a financial advisor at Cetera with 17 years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services, INC., and currently operates Robert DiFabritis & Co. in addition to her role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a variety of program structures and custodial relationships.

Patrick Tierney is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1998, bringing 24 years of experience in financial services. He specializes in guiding and advising clients on wealth management strategies aimed at helping them pursue their financial goals. Patrick focuses on maintaining moderate risk in investment portfolios while pursuing absolute returns and maximum diversification. His expertise includes areas such as college education planning, executive and equity compensation, family wealth management strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. As a Senior Portfolio Manager, Patrick manages his own discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick holds a Bachelor's Degree from the University of Scranton and holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Alternative Investment Analyst (CAIA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Patrick spends time volunteering in his community and enjoys basketball, music, reading, and spending time with his family.

Samantha Prusia is a financial professional with seven years of industry experience, currently affiliated with Cetera. She holds the Series 66 designation and has worked at multiple firms including Cetera Advisors and First Allied Securities. Prusia also operates EM Winters Financial Services, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary program options.

Rosanna Vizzoni is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. She has previously worked at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Vizzoni also owns two small property construction and renovation businesses. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, leveraging research and analytics to support diversified investment approaches.

Michael Wade is a Series 66-licensed financial advisor with LPL Financial in Chester, NJ, bringing 12 years of industry experience. He previously worked at 1st Global Advisors, Inc. and 1st Global Capital Corp for five years and has been involved with Caristia Kulsar Wade LLC since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by a large network of advisors and a variety of investment strategies and operational tools.

James Fahey Jr. serves as a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management in Bedminster, New Jersey. He assists a diverse client base including executives, healthcare professionals, retirees, and business owners in retirement planning, managing concentrated stock positions, equity compensation, and complex wealth planning decisions. Additionally, as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), he provides guidance to retirement plan sponsors and fiduciaries on plan governance and best practices. With a background as a U.S. Navy Veteran and decades of experience, James holds several professional designations including Accredited Asset Management Specialist (AAMS), Chartered Life Underwriter (CLU), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has completed an Accredited Certificate Program from the College for Financial Planning and is affiliated with professional organizations such as the Greater Middlesex Somerset County Estate Planning Council and the Somerset County Business Partnership. James is involved with institutions including Blair Academy, Fordham University, Lafayette College, and Lehigh University. His approach focuses on providing clear, practical advice and disciplined financial guidance to help clients pursue their financial goals with confidence.

Daniel Botero Torres is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His work history includes positions at the University of Miami and several educational institutions. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, employer-sponsored retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated non-securities products and services.

Evan Kendis is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing personalized financial advice and wealth management strategies since 2005. He specializes in working with small business owners and corporate executives, offering expertise in retirement planning, concentrated stock diversification, and sophisticated income strategies. His work includes advising on defined-benefit, defined-contribution, and SEC Rule 10b5-1 plans. Evan holds a bachelor's degree from The College of New Jersey and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He serves clients in various areas such as college education planning, family wealth management, philanthropic planning, socially responsible investing, and special needs planning. Evan is fluent in English and Spanish. Residing in Basking Ridge, New Jersey, Evan lives with his wife, Lori, and their three sons, William, Andrew, and Matthew. Outside of his professional work, he enjoys cooking, fishing, music, and reading. His planning approach emphasizes collaboration with clients to create personalized financial strategies designed to help pursue their goals.

Michael Tillberg is a financial advisor with Merrill based in Bridgewater, NJ, holding Series 63 and Series 66 licenses and having 17 years of industry experience. His prior work includes 12 years at Scottrade, Inc. and shorter tenures at Wells Fargo Bank and Wells Fargo Clearing. Merrill, together with 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 individual and institutional clients, including high-net-worth individuals and charitable organizations.

Steven Mahler is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior roles include positions at Ic Advisory Services Inc, The Investment Center Inc, Intervest International Equities Corp, and First Command. Outside of his advisory work, he serves as president and vice president on the boards of two nonprofit organizations in Mackenbach, Germany. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Matthew Glass is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill, Morgan Stanley Smith Barney, Morgan Stanley Private Bank, Allstate, and the Children's Dental Center of Monmouth. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach primarily utilizes model-driven portfolios developed by LPL’s Research Department and third-party strategists, and offers access to a variety of financial planning and consulting services.

Daniel Becker is a CFP® professional with 24 years of experience in the financial industry. He is currently with LPL Financial, where he has worked since 2022. His prior experience includes 15 years at National Planning Corporation and roles at Securities America Advisors and Securities America, Inc. Additionally, Becker is involved in tax preparation and accounting as an enrolled agent. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

William King is a Series 66-licensed financial advisor at Merrill with 9 years of industry experience. He has been with Merrill 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Taylor is a CFP®-credentialed financial advisor with 14 years of industry experience. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory role, he maintains a social media presence focused on general finance topics unrelated to his firm. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual and institutional investors. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, featuring options for tax management and responsible investing.