Charles Linfante Jr. is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and MassMutual Investors Services since 2016. Outside of his advisor role, he is involved in insurance brokerage activities, including life, health, disability, and property/casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved software and provides a range of planning services including estate and employer-sponsored planning.

James Langham is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 13 years before joining Mass Mutual in 2023. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that provide written recommendations using firm-approved software.

Gary Alfonso is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has worked with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes IPS-driven processes and a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Timothy Brogan is a financial advisor with RBC Capital Markets in Pompton Lakes, NJ, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at RBC Capital Markets since 2008 and has also been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies according to client risk profiles.

Michael Lipani is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and has held ownership roles in GSXAWD Holdings, a personal holding company for automobiles, and SPQR Properties, a real estate business focused on rental income. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory capabilities with brokerage and investment management functions.

Dominick Merlucci is a financial advisor at Fidelity with 19 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Merlucci has been with Fidelity Investments since 2011. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with a focus on systematic methodologies and long-term asset allocation.

John Mackenzie Jr. is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining LPL Financial in 2017, he worked at KeyBank and Key Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, combining discretionary and non-discretionary management with research and model portfolios.

Noah Robinson is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and HV Hammers. Outside of his advisory role, Robinson is involved in youth soccer coaching through Coerver New York LLC and HV Hammers. J.P. Morgan Securities LLC 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 in its investment process.

Michael McGee is a financial advisor at Thrivent Investment Management with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002, totaling 24 years at both firms. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management separate.

Michael Luftman is a financial advisor at Mass Mutual Investors Services with 28 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Mass Mutual Investors Services in 2017, he worked at Metlife Securities Inc. for 16 years. Outside of his advisory role, he owns a small business entity registered as Luftco, Inc. and works as an insurance broker specializing in individual life, health, disability, long-term care, and fixed annuities. Mass Mutual Investors Services, LLC 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 tools to develop written recommendations tailored to client goals.

Scott Bancroft is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2013. 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 a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

Thomas Watkins is a financial advisor with Cetera who holds Series 65 and Series 63 licenses and has 32 years of industry experience. His prior roles include positions at Thompson And Thompson Consulting Inc and Jack Schroeder And Associates, Inc. Outside of his advisory work, he serves as president of the Totowa Public Library board. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Daniel Prisciotta Jr. is a CFP® with 42 years of industry experience, currently affiliated with OSAIC since 2025. Prior to this, he worked for Lincoln Financial Advisors Corporation for 27 years. In addition to his advisory work, he is the owner of Prisco Publishing LLC, where he is an author and speaker. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs.

John Makhoul is a Financial Consultant currently working at Fidelity Investments since 2020. He has previously served as a Financial Advisor at Merrill Lynch from 2016 to 2020. His earlier roles include Credit Broker positions at Chapdelaine from 2015 to 2016 and Whitaker Securities from 2004 to 2015. John holds the CFP® (Certified Financial Planner) and CPWA® (Certified Private Wealth Advisor) certifications. He also possesses a California Insurance License. His professional approach emphasizes commitment, integrity, and a client-first mindset, focusing on helping clients define their financial goals and develop clear, actionable plans they understand and feel empowered to execute.

Douglas Bilenski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients’ long-term goals. His client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Douglas holds a Bachelor’s Degree from Montclair State University. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on a strong personal philosophy rooted in hard work and character, he is committed to guiding clients through all market cycles and phases of their financial life. Outside of his professional work, Douglas volunteers with organizations in his community. He enjoys golfing, ice hockey, and traveling, particularly exploring national parks out west. He is a husband and father with a strong connection to family values and responsibility.

Douglas Messina is a CFP® professional with 20 years of industry experience, currently affiliated with Ameriprise Financial Services. He has held roles at Ameriprise since 2013 and has also been associated with Purshe Kaplan Sterling Investments and Rise Private Wealth Management. Outside of his advisory work, he serves on the board of the Warwick Valley Chamber of Commerce and participates on the finance committee of the Community Foundation of Orange & Sullivan. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides ongoing retirement income planning and recommendations based on proprietary research and algorithmic analysis.

Samantha Price is a Senior Financial Advisor with over 15 years of experience at Merrill Lynch Wealth Management. She leads The Price Group, providing financial advisory services focused on developing and implementing both short- and long-term financial strategies for affluent clients and business owners. Her approach promotes "financial wellness" through a combination of professional investment management, home financing, insurance, and other services aimed at helping clients make sound financial decisions to achieve their goals. Samantha holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Domestic Partnership Advisor (ADPA) designations from The College for Financial Planning Institutes Corp. She earned a Bachelor's degree from Loyola University Chicago and graduated from Waldwick High School. Samantha is fluent in English, Spanish, and Italian. Residing in Bergen County, New Jersey, Samantha is involved in various community organizations including the Waldwick Lions Club, Habitat for Humanity Bergen County Women Build Committee, Merrill Lynch Women's Exchange, and the Waldwick Chamber of Commerce. She also supports causes such as the American Cancer Society and the American Heart Association. Samantha enjoys spending time with her daughter, fishing, dancing, gardening, and participating in sports such as baseball, soccer, and softball.

John Nelson Henry is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory solutions grounded in an IPS-driven approach and modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options in its investment menus, distinguishing it among large institutional advisers.

Gregory Field is a financial advisor with Edward Jones in West Nyack, NY, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. Prior to joining Edward Jones in 2017, he operated Field Consulting, a telecommunications business, for 12 years. He also serves as an Education Coordinator for BNI in White Plains, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the United States.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. 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 provides ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.