Frederick Shropshire is a financial advisor at Primerica Advisors with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and affiliated firms since 1995. Prior to his current role, he worked at Allied Universal for 11 years. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale, delivering advisory services primarily through model-driven strategies managed by unaffiliated asset managers and supported by custodial and trade execution services.

Joanne Lam is a financial advisor with Osaic Wealth, Inc. holding a Series 66 designation and has 19 years of industry experience. She has worked at Osaic since 2020 and has prior experience at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. Additionally, she is a member of the Holmdel Board of Education. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm uses asset-allocation tools and risk-tolerance assessments to construct diversified portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Christopher Marzella is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and joined Merrill Lynch in 2012. He focuses on developing strategies and providing advice for individuals, their families, and their businesses by understanding their short- and long-term financial objectives. Chris has experience in helping clients manage concentrated stock positions and addressing challenges related to significant transition events such as retirement, inheritance, or the sale of a business. He also provides access to Bank of America for clients' commercial banking and financing needs and collaborates with clients' attorneys, accountants, and other advisors on estate planning services. Chris holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Baruch College. Chris resides in East Brunswick with his wife, Lisa, and their two daughters, Nicolette and Alexandra.

Daniel Wuhrman is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, J.P. Morgan Chase, TD Bank, Entegee, Inc., and Bergen Community College. He also volunteered with Special Olympics New Jersey for one year. 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 strategies for a range of individual and institutional clients.

Elkin Parker Jr. is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Prudential Investment Management Services and PGIM Investments before joining J.P. Morgan in 2019. Outside of advisory services, he is a joint owner of a real estate property rented on Airbnb. 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 a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jason Tribandis is a financial advisor with Merrill holding a Series 66 designation and has one year of industry experience. His prior work includes roles at Bank of America, BNY, and various other companies across different sectors. 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 and profit-sharing plans, corporations, and charitable organizations.

Arvind Sood is a Series 66-licensed financial advisor at Equitable Advisors with 26 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2000. Outside of his advisory role, Sood serves as president of the Global Organization of People of Indian Origin and consults for education and health-related initiatives in India, including a day school for autistic children. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm employs a range of advisory models, primarily using third-party asset managers and sponsored programs, and offers services across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Ashley Altman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 15 years of industry experience. She previously worked at Foresters Advisory Services LLC and Foresters Financial. Outside of her advisory role, she is a partner in a business focused on purchasing, rehabbing, and reselling real estate properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Danjie Guo is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, with prior experience at Bank of America and China Concentric Capital Group Ltd. 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.

Roger Cortina Hernandez is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this position, he focuses on understanding clients' financial goals and situations to develop tailored plans aimed at providing clear guidance and peace of mind for their financial futures. Prior to this, he worked as a Senior Premier Banker at Wells Fargo Advisors from 2014 to 2024, where he gained extensive experience in financial services and client relationship management. Roger holds a California Insurance License, which supports his ability to provide comprehensive financial planning and insurance solutions. His approach emphasizes client education and utilizes advanced tools to enhance service delivery and client satisfaction. Outside of his professional work, Roger enjoys engaging in art, attending social events with friends, watching movies, listening to music, reading, and traveling.

Priti Patel is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012, with a prior tenure at JPMorgan Chase Bank, N.A. extending back to 1985. 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 team of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

William Murphy is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 34 years of industry experience. His prior roles include positions at Citizens Securities, Cetera, Wells Fargo Clearing, and PNC Investments. 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 supported by extensive technology and a broad platform of investment strategies, overseeing over $819 billion in discretionary assets across more than 22,800 advisors.

David St. Louis is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Peter Jackowitz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and 22 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC prior to his current position. Outside of his advisory work, he is a co-owner of an investment-related merchant partnership and serves as vice president of a townhouse community association. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a large network of advisors. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Anthony Caruso is a financial advisor with Cetera, holding a Series 63 designation and bringing 26 years of industry experience. He previously worked at Securian Financial Services and Minnesota Life Insurance Company for 18 years and has been associated with Allied Wealth Partners since 2014. Outside of advising, he is a partner in a DBA firm and works as an independent real estate contractor. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services with various program options and access to multiple third-party money managers.

Philip Clippinger is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 25 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Lisa Brown is a financial advisor at Merrill in Princeton, NJ, holding a Series 66 designation with 24 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1996. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Kourtney Clarke is a Series 66 licensed advisor with 11 years of industry experience, currently with Fidelity Investments. Her prior work includes roles at Wells Fargo Advisors and Morgan Stanley Smith Barney LLC. She is based in Branchburg, New Jersey. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an adviser to multiple registered investment companies and utilizes AI and algorithmic methods in its research.

Mark Mauro is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 27 years of industry experience and previously worked at Ic Advisory Services, Inc. and The Investment Center. Outside of his advisory role, he serves as a board member for the At Ease Foundation, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, leveraging a large network of investment adviser representatives and advanced research tools.

Shatorupa Ray Chaudhury is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. She holds the Series 66 designation and has previously worked with The Investment Center, Inc., and Strong Financial Partners. In addition to her advisory role, she is also an agent involved in insurance and benefits. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements.