Ronald Hunter is a CFP® professional with 36 years of industry experience, currently affiliated with LPL Financial since 2015. He previously worked at Gladstone Wealth Group from 2015 to 2018. Hunter is involved with Somerset Tax Advisory, providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Christopher Kelly is a CFP® professional with eight years of industry experience currently advising at Ameriprise Financial Services. He previously worked at LPL Financial and Cardiome Pharma Corp. Outside of his advisory role, he serves on the Board of Directors for the Delaware Valley Food Pantry and is involved in tax preparation through his ownership of Penn Wealth Accounting Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides tailored retirement planning recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Michele Gilligo is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 1999. She specializes in helping individuals, families, and businesses develop financial strategies tailored to their short- and long-term objectives. Michele's areas of focus include college education planning, retirement income and personal retirement planning, liquidity management, portfolio management services, small business strategies, socially responsible and ESG investing, as well as services for endowments, foundations, and non-profits. Michele holds FINRA Series 7 and 66 securities registrations and the Professional Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in Business Management from the Richard Stockton College of New Jersey. Michele works with a team of advisors and specialists to provide personalized service and customized financial solutions. She is fluent in English and French. Outside of her professional role, Michele lives in Chesterfield, New Jersey, and enjoys activities such as baseball, billiards, boating, fishing, gardening, hiking, music, and spending time with her family.

Konstantinos Rigas is a financial advisor at Charles Schwab with 31 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1995. Outside of his advisory role, he is involved with Elite Laundry Systems, LLC, a business he has been associated with since 2010. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides integrated brokerage, custody, and cash management services.

Dan Liu is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His work history includes roles at Bank of America, NYLIFE Securities LLC, and New York Life Insurance Company. Prior to his financial career, he was involved with the National Alliance on Mental Illness in New Jersey for four years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Beylickjian is a financial advisor at Merrill with Series 63 and Series 65 licenses and 37 years of industry experience. He has worked at Merrill since 2017 and previously held positions at Morgan Stanley Smith Barney and Morgan Stanley & Co., Incorporated. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Digiovanni is a financial advisor with LPL Enterprise and holds Series 66 and Series 63 licenses. He has seven years of industry experience, including roles at Prudential Insurance Company of America, Pruco Securities LLC, Vestwell, Betterment, and ADP LLC. He is also involved in Prudential Sponsored Non-Variable Insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Wesley Storr is a financial advisor with Ameriprise in Cedar Knolls, NJ, holding a Series 66 designation and three years of industry experience. He previously worked at Beck Consulting & Associates and Avantik. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Ryan Quillen is a financial advisor with LPL Financial in Skillman, NJ, holding a Series 66 designation and over 30 years of industry experience. Prior to joining LPL Financial in 2025, he spent nearly two decades at IC Advisory Services, Inc. and The Investment Center, Inc. He serves as a board member for the Montgomery Basketball Association, a local nonprofit organization. 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 broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael D'antico III is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds Series 66 and Series 63 designations and has prior work experience with Thrivent Financial, the State of New Jersey, County of Somerset, and Atlantic Ambulance Corp. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based analyses and written recommendations across areas such as retirement, tax, estate, and special needs planning without discretionary portfolio management.

Joshua Vallejos is a financial advisor at LPL Enterprise with Series 65 and Series 66 credentials and three years of industry experience. He has held roles at several firms including T.D. Bank N.A., Edward Jones, Bank of America, and Merrill. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Michael Merlo is a financial advisor at Wells Fargo Clearing with 52 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as Treasurer of the Kiwanis Club in Linden, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Marco Rita is a financial advisor with Raymond James Financial in Somerville, NJ, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes 12 years at PNC Investments and ongoing roles at Fulton Bank and Raymond James Financial Services, Inc. Outside of his advisory work, he is involved in rental real estate ownership. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through unique affiliations and specialized advisory programs.

Allan Sanford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in August 2000, following over eight years of service in the United States Army and the management of a radiology group. Allan specializes in working with clients to develop individualized asset allocation strategies aligned with their financial goals. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Allan holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Allan earned his high school diploma from Vernon Township High School and holds an associate’s degree from the American College of Radiology. He is a life member of the Disabled American Veterans and the Veterans of Foreign Wars and has served as an Ambassador for the Newark Regional Business Partnership and as President of the Franklin Lakes Chamber of Commerce from 2000 to 2004. Allan resides in Pittstown, New Jersey, and his personal interests include fishing, football, golfing, hiking, photography, spending time with family, and traveling.

Eric Rosen is a financial advisor with UBS Financial Services in New Hope, PA, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has been with UBS since 2000. Outside of his advisory work, he serves as Finance Chairperson for Kehilat Hanahar, where he assists with budget reconciliation and fundraising efforts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to provide a comprehensive platform for its clients.

Kelly Nilsen is a financial advisor with Merrill in Princeton, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Merrill Lynch since 2000. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.

John Bondea is a financial advisor at Wells Fargo Advisors in Princeton, NJ, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked with Wells Fargo Advisors since 2013 and also owns and operates J Bondea Wealth Management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services across a broad range of areas, including retirement, education, risk, and wealth-transfer planning. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Matthew Osman is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2010. Outside of his advisory role, Osman is involved with the Shimon D. Sarah Birnbaum JCC and Match Fit Academy. Merrill, along 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.

Joseph Fano is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Aflac and Cornerstone Financial Associates. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to various investment programs, combining adviser-led portfolios with sales of financial and insurance products.