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.

Jason Taub is a financial advisor with Ameriprise in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He previously worked at Stifel from 2007 to 2018 before joining Ameriprise Financial Services, Inc. and later Ameriprise. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice through a centralized consulting team.

Marcus Tomaino is a CFP® professional with 11 years of industry experience, currently serving at Raymond James & Associates since 2014. He holds a Series 66 license and is based in Bedminster, NJ. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through various specialized programs.

Brian Sherman is a CFP® professional affiliated with LPL Enterprise, LLC, with 31 years of industry experience. His background includes roles at MissionSquare Investment Services, Lorenzo CPA LLC, Avantax, and Merrill, among others. He also owns an accounting and tax preparation business. LPL Enterprise serves a diverse client base—including individuals, high-net-worth investors, retirement plans, and charitable entities—by providing investment advisory and brokerage services through a network of investment adviser representatives, primarily using model-driven investment strategies.

Christopher Russo is a financial advisor at Osaic Wealth with a Series 66 designation. He has experience working at Marsh McLennan and Duff & Phelps prior to joining Osaic Wealth. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Christine Benson is a financial advisor at Merrill with eight years of experience at the firm and a Series 66 designation. Prior to joining Merrill in 2018, she spent fourteen years with Raised Family. Outside of her advisory role, she is a fitness instructor at Hackettstown Dance Fitness. Merrill, alongside 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, and various institutional investors using model-based and discretionary investment strategies developed by internal and third-party managers.

Gregory Burke is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Gregory works closely with clients to develop flexible strategies that address their full financial picture and adapt to changing market conditions. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and retirement income. Gregory holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Kean University. In addition to his professional work, Gregory participates in community activities in keeping with the Merrill tradition of service. He volunteers with local organizations and has personal interests that include basketball, boating, camping, cooking, gardening, hiking, ice hockey, skiing, spending time with his family, and traveling.

Robert Buckman is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and has 32 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Wells Fargo Securities, LLC. He also has a part-time involvement with Prudential’s Property and Casualty division in Basking Ridge, NJ. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

James Vellanti Jr. is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides investment advice and access to banking and lending services through Bank of America. His approach involves understanding clients' priorities to create personalized investment strategies. James specializes in various aspects of financial planning, including general investing, retirement planning, and preparing for unexpected financial needs. He engages with clients to discuss their goals and provides ongoing guidance as their circumstances evolve. He holds a Bachelor's Degree from the University of Delaware and holds the Professional Investment Advisor (PIA) designation.

Stephen Oliver is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 34 years of industry experience. He has worked with Cetera and its affiliates since 2012, as well as First Allied Advisory Services prior to that. Outside of his advisory role, he is an author and media contributor for The Retirement Obsession. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform that allows advisors to use affiliated and third-party managers or create customized strategies.

Earl Pedersen Jr. is a financial advisor with LPL Financial who holds a Series 66 designation and has 14 years of industry experience. His prior roles include positions at Cetera, Allied Wealth Partners, and Securian Financial Services. Outside of advisory work, he is employed by the New Jersey Department of Treasury, where he investigates businesses to ensure tax compliance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Lois Tubbs is a financial advisor with Merrill in Flemington, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has previously worked at Morgan Stanley Private Bank and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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, holding a Series 66 designation and 27 years of industry experience. He previously worked at Summit Financial Resources Inc and Summit Equities, Inc from 2002 to 2008 before joining LPL Financial in 2008. Outside of his advisory role, Collins co-owns two non-investment businesses, Vimagery Inc and Eat Right Vending, and operates a financial education company, Wealth Wisdom Productions, LLC. 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 advisory services including financial planning, model portfolio programs, and third-party asset management, using both discretionary and non-discretionary strategies supported by advanced technology tools.

Lawrence Frydman is a CFP® with 11 years of industry experience, currently serving as an advisor at LPL Enterprise. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, and Fidelity Personal and Workplace Advisors. Outside of his advisory work, he is involved with Plymouth Rock in property and casualty insurance on a limited basis. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offers access to third-party asset managers, and facilitates insurance product sales through affiliated entities.

Patrick Cassidy is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with clients to address areas such as executive compensation, family wealth management strategies, and retirement income. His approach focuses on connecting all aspects of a client’s financial life to prioritize and pursue their most important goals. Patrick holds the Personal Investment Advisor (PIA) designation. He completed his high school education at Carteret High School and attended Seton Hall University. Outside of his professional role, he enjoys golfing, spending time with his family, and traveling.

Mary Ann Giaimo is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. She joined Ameriprise in 2020 after four years at Wells Fargo Clearing. Outside of her advisory work, she participates as a judge on a student performance panel for Seton Hall University’s Senior Assessment project. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on retirement income planning, using proprietary research and tools to address asset allocation, withdrawal strategies, and Social Security options.

Joel Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience in the financial services industry, having joined Merrill Lynch in 2016. Joel focuses on understanding the priorities of high-net-worth individuals and families and delivering personalized financial strategies to support their goals. His expertise encompasses a wide range of financial planning areas, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. Joel works with clients to develop customized approaches involving equities, fixed income, alternative investments, options, ETFs, and other investment types, while also providing access to banking, credit, and lending services through Bank of America. He holds Series 3, 7, 63, and 65 FINRA registrations. Joel earned a Bachelor’s degree in Business Administration from the University of Delaware. He is actively involved in his community, having served as the President of the Bedminster Far Hills Little League, reflecting his commitment to local engagement.

Andrew Kowitski Jr. serves as a Senior Financial Advisor and Portfolio Manager, holding the Sports and Entertainment Accredited Wealth Management Advisor™ designation. He works within Merrill Lynch Wealth Management, where he applies a consistent approach developed through years of experience navigating multiple market fluctuations. Andrew collaborates closely with clients to build personalized investment strategies that align with their financial goals and changing market conditions. He specializes in family wealth management strategies, portfolio management services, and focuses on clients in the sports and entertainment sectors. Andrew customizes his strategies around clients' priorities, risk tolerance, time horizons, liquidity needs, and objectives. He is committed to Merrill's goals-based wealth management process to help clients pursue meaningful objectives, including lifestyle aspirations and securing a lasting legacy. Andrew holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He completed his high school education at Spotswood High School and earned an Associate's Degree from Middlesex County College. Additionally, he attended Kean University without conferring a degree. Outside of work, Andrew enjoys spending time with his family, swimming, and woodworking.

Mark Singh is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., AXA Advisors, LLC, and GWN Securities, Inc. Outside of finance, he has been active as an artist and musician for over two decades through 1st Class Entertainment & Productions LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm uses model-driven investment approaches and offers access to third-party asset managers, financial planning, and other financial services through a large network of investment adviser representatives.