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.

Danielle Mrozek is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Wealth Management Teams to develop financial plans that align with their goals. She joined Fidelity Investments in 2023 and has held various positions including Financial Representative and Relationship Manager before assuming her current role in 2026. Her experience at Fidelity Investments has provided her with a comprehensive understanding of financial planning and client relationship management. Danielle holds a California Insurance License.

Daniel Wilson is a CFP® professional with 29 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at Securities America Advisors, Guardian Life Insurance, and Northeast Wealth Planners. Outside of his advisory work, he is a partner in several private investment ventures including real estate and specialty pharmacy projects, and is a passive member of the Entrepreneurs Organization. OSAIC serves a diverse client base including retail investors, high-net-worth individuals, corporations, and charitable organizations through a large network of advisers. The firm combines brokerage and advisory services, using various asset-allocation tools and third-party platforms to manage portfolios that include stocks, bonds, mutual funds, ETFs, and alternative investments.

John Crlencic is a Series 66 licensed financial advisor with Wells Fargo Clearing, where he has worked since 2016. He has nine years of industry experience. Outside of his advisory role, he is involved in managing a rental property with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, combining research-driven investment strategies with access to a broad range of financial products.

Warren King is a financial advisor at LPL Enterprise with two years of industry experience. He holds the Series 66 designation and has held roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Capital Craft. Outside of finance, he has worked at the Orange Lawn Tennis Club and served in educational roles at Skidmore College and West Essex Regional High School. 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 employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and a wrap program through its network of investment adviser representatives.

Christopher Ferrone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior work includes roles at MMLIS Investors Services, MassMutual, Ameriprise Financial Services, and Morgan Stanley. Outside of his advisory work, he is involved with Going Gold Choreography, LLC. 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 financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and technology tools for operational support.

Michelle Hyde is a financial advisor with Equitable Advisors in Chester, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has worked at Equitable Advisors and Axa Advisors, LLC, as well as serving as an accountant and CPA with Cicchini & Associates. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs primarily through a large network of Investment Adviser Representatives and third-party asset managers.

Lynn Delprado Araneta is a financial advisor at OSAIC with 45 years of industry experience. She holds the ChFC® designation and Series 63 license, and has worked at Royal Alliance Associates, Inc. since 2018, following a 37-year tenure at Signator Investors, Inc. In addition to her advisory role, she is involved with ACORN Financial Services Inc., focusing on retirement, insurance, investment, and college education planning, and also serves as an insurance agent specializing in term and universal life insurance. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct portfolios that may include a variety of investment vehicles managed on discretionary or non-discretionary bases.

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.

Mitchell Feldman is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. His work history includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Americas Health Brokers Inc. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers services such as financial planning, access to asset managers, and insurance product sales through affiliated entities.

Rosanna Vizzoni is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 34 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she owns and manages two property-related businesses focusing on home construction and renovations. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with a range of brokerage and advisory solutions, operating with more than 14,000 financial advisors and approximately $671 billion in assets under management.

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. is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management in Bedminster, New Jersey. He leverages decades of experience and his military background as a U.S. Navy veteran to serve executives, healthcare professionals, retirees, and business owners. His work focuses on navigating retirement planning, managing concentrated stock positions, equity compensation, and addressing complex wealth planning decisions. James holds multiple professional designations, including Chartered Life Underwriter (CLU), Accredited Asset Management Specialist (AAMS), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned an Accredited Certificate from the College for Financial Planning. Additionally, Jim advises retirement plan sponsors and fiduciaries on plan governance and best practices. He is a member of professional organizations such as the Greater Middlesex Somerset County Estate Planning Council and the Somerset County Business Partnership. His community involvement includes affiliations with Blair Academy, Fordham University, Lafayette College, and Lehigh University. James emphasizes providing clear, practical advice and disciplined financial guidance tailored to clients’ goals.

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 in Bedminster, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Merrill since 2020 and previously spent 12 years at Scottrade, Inc., with brief roles at Wells Fargo Bank and Wells Fargo Clearing. 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.

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.