Steven Parente is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 66 license and 18 years of industry experience. He has worked at Merrill since 2007 and has additionally been with Bank of America, N.A. since 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Kerest Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been affiliated with Linsco Private Ledger since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Dominic Pinto is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America and Merrill. Dominic is currently based in Bridgewater, NJ. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options.

Emmanuel Itembe is a financial advisor with LPL Enterprise holding a Series 66 credential. He has less than one year of industry experience, with prior roles at Equitable Advisors and Bankers Life, as well as employment outside the industry at Lowe’s. His activities include involvement with a non-variable insurance business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs through an integrated advisory and brokerage platform.

John Coonan is a financial advisor with Edward Jones in Princeton, NJ, holding a Series 66 designation and possessing 12 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Bharat Gurnani is a financial advisor at Ameriprise with 34 years of industry experience. He holds the CFP® and ChFC® designations along with Series 63 and Series 65 licenses. Gurnani has been with Ameriprise since 2013, including its affiliated entities. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, asset bucketing, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations primarily for clients with Ameriprise-managed accounts.

Michael Locascio is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Prudential Insurance Company of America. Outside of his advisory role, he owns Keys to Success, LLC, where he teaches piano and performs at weddings and special events. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, model wealth portfolios, third-party asset management, and access to brokerage and insurance products through an integrated advisory and brokerage platform.

John Provinsal is a financial advisor with LPL Financial based in Bridgewater, NJ, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Paradigm Wealth Advisory, PNC Bank, Capital One Bank, and Western Pest Services. He also provides investment advisory services through Paradigm Wealth Advisory, LLC, an independent registered investment advisor. 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 advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting services, employing both discretionary and non-discretionary management with access to model portfolios and research.

Brian Lee is a financial advisor with LPL Enterprise and holds Series 63 and Series 66 licenses. He has 16 years of industry experience, including previous roles at Prudential Insurance Company of America, Pruco Securities, LLC, Allied Wealth Partners, Minnesota Life Insurance Co, and Securian Financial Services. LPL Enterprise serves a diverse clientele, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing financial planning, advisory services, and access to various investment and insurance products. The firm combines advisory programs with brokerage offerings and utilizes model portfolios, third-party portfolio managers, and integrated lending solutions.

Melissa Bonilla is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and 18 years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. She is also involved in non-variable insurance activities through Prudential’s affiliated agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory, brokerage, and insurance products. The firm’s platform integrates adviser programs with active sales of financial products and leverages third-party asset managers and model portfolios.

John Flynn is a financial advisor with LPL Enterprise who holds Series 63 and Series 66 registrations and has 19 years of industry experience. His prior roles include positions at PRUCO Securities, Value Line, AXA Advisors, and NYLIFE Securities. He has also spent time as a caretaker in recent years. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management programs, and brokerage and insurance products.

Kristen Dichkus is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Wealth Enhancement and LPL. She also provides administrative support to an independent investment advisory firm. J.P. Morgan Securities LLC offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Chunyen Wang is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In this role, Chunyen focuses on developing personalized financial strategies tailored to each client's unique goals and changing market conditions. He provides access to investment insights from Merrill as well as banking and lending solutions through Bank of America. Chunyen holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned both his Bachelor's and Master's degrees from Montclair State University. Chunyen is committed to working closely with clients one-on-one to help them pursue their long-term financial objectives. Additionally, he participates in community volunteer activities, reflecting the Merrill tradition of local engagement.

Colleen Brophy Emma is a financial advisor at LPL Enterprise with 30 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials. Her prior roles include positions at UBS Financial Services, Morgan Stanley Smith Barney, and Fidelity Brokerage Services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines model portfolios, third-party asset management, and insurance products.

James Ruggiero is a financial advisor at Wells Fargo Clearing with a Series 66 credential and two years of industry experience. His prior work includes roles at Rutgers Business School, the New York Yankees, the Philadelphia Phillies, and West Virginia University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Howell is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with LPL Financial and has previously worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. Howell operates a DBA under Gladstone Wealth Partners related to his LPL business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

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 industry experience, currently affiliated with OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Guardian Life. Outside of advising, he is a partner in several private investment ventures including a restaurant, specialty pharmacy, and rental real estate projects, and he is a passive member of the Entrepreneurs Organization. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party investment solutions.

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.

John Song is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at Jpmorgan Chase Bank, N.A. since 2003. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis where clients retain final decision authority.