Dennis Angeles is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 22 years of industry experience. His prior work includes roles at Samuel A Ramirez & Co., Inc. and multiple tenures with Fidelity. No additional outside activities are noted. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages various advisory mandates, including registered investment companies and fund-of-funds.

Evan Metz is a Series 66-licensed advisor at Fidelity with one year of industry experience. Prior to joining Fidelity Investments in 2025, he was the sole proprietor and general manager of Pink Skirt Desserts, a bakery, from 2021 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Mattia is a financial advisor with Merrill in Princeton, NJ, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill since 2011. 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 strategies managed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeff Rainess is a Financial Consultant at Fidelity Investments since 2026. He has previously worked as an Investment Consultant at Fidelity Investments from 2024 to 2026 and served as a Registered Financial Advisor at Park Avenue Securities from 2018 to 2024. Jeff focuses on empowering clients to achieve financial security by building trusted partnerships and simplifying complex financial planning, utilizing Fidelity's resources. His approach integrates his background as both a coach and an advisor, emphasizing that long-term financial success requires discipline and collaboration. Jeff's planning process is designed to provide clients with guidance at every step. He has lived in Monmouth County for over 25 years and has been married for more than 20 years, with three children. Outside of his professional responsibilities, Jeff engages in family activities and enjoys fishing, fitness, football, golf, and spending time with his pets.

Stuart Kern is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 19 years of industry experience. His prior roles include positions at James Alexander Inc, The Prudential Insurance Company of America, and several mortgage companies. Kern is based in Princeton, NJ. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework in its investment process.

Richard Oring is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with New Century Financial Group, LLC since 2003. Oring serves as a trustee for a charitable remainder unitrust and holds leadership roles in nonprofit organizations, including vice president and treasurer positions at Congregation Beth El. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to various investment platforms. The firm utilizes asset-allocation tools, risk assessments, and multiple investment vehicles to construct portfolios tailored to client needs.

Andrew Minard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Charles Schwab Bank, Charles Schwab, Evermore Global Advisors, Brookline Capital Markets, and Capitals Circle Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Frank Connelly is a financial advisor with Wells Fargo Clearing in Freehold, NJ, holding Series 63, 65, and 66 licenses and bringing 37 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank for a combined total of 15 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversified investment approaches and provides a range of brokerage and advisory solutions.

John Doran is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients develop personalized financial strategies to pursue their goals. His client focus areas include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. John holds a Bachelor's Degree from Kings College and has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach centers on uncovering what matters to clients and their families to create strategies tailored to their financial objectives. Outside of his professional work, John enjoys boating, fishing, spending time with his family, and watching movies.

Andrew Greenberg is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Cetera Advisors LLC since 2022 and prior experience at First Allied Advisory Services, Inc. and First Allied Securities Inc. He is an independent contractor with LPA Strategic Capital. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that provides access to affiliated and third-party managers, accommodating a range of investment program structures.

Nicholas Caruso is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by extensive research and centralized operational infrastructure.

Wade Martin is a financial advisor with RBC Capital Markets in Princeton, NJ, holding a Series 63 designation and 38 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Martin is also an owner and active partner in a family investment partnership. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Vincent Cacciolo is a financial advisor with Merrill and holds a Series 66 designation. He has five years of industry experience, including roles at Bank of America, N.A. since 2021 and Merrill since 2019. Prior to his current positions, he worked with Battleground Country Club and the International Planning Alliance. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and institutional investors. The firm uses model-based and discretionary strategies developed by its Chief Investment Office and third-party managers, offering a range of investment solutions including tax-aware strategies and customized investment restrictions.

John Spatola is a financial advisor with OSAIC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Royal Alliance, Santander Securities, Raymond James Financial Services, and others. Outside of advising, he co-owns a temporary employment business and a printing company. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diversified portfolios, with services available on both discretionary and non-discretionary bases.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. Charles Schwab & Co., Inc. 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 advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Jeffrey Salton is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch since 2009. 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, and institutions.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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, distribution, and investment management capabilities.

Tracy Junquet is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1990. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary strategies for a range of client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Darren Armetta is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2018, following six years at Bank of America and Merrill. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Kostecki is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he co-owns Vintage Moments LLC, a china tableware rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations through a non-discretionary approach supported by an in-house manager solutions team.