Iorwuese Ifan is a financial advisor at OSAIC with 21 years of industry experience and holds a Series 66 designation. His prior roles include positions at Securities America Advisors, Allied Wealth Partners, New York Life, and J.P. Morgan Securities. Outside of advising, he serves as a board member for the Adopt a Village Foundation, writes self-published books, leads financial literacy workshops, pastors at a church in Hawthorne, NJ, and composes music. OSAIC serves a mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, and access to third-party money managers, using tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Timothy Mehaffey is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Advisory Services and 1st Global Advisors. Mehaffey also serves as a trustee for the Robert and Jane Malavarca Family Trust, managing life insurance trust activities. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual investors, retirement plans, corporations, charities, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors, employing a multi-manager platform with various investment program options.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

John Lederer is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2025, he spent 11 years at Oppenheimer. 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 diverse advisory programs and financial planning services, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management approaches.

John Sullivan is a CFP® and PFS™ credentialed financial advisor with 35 years of industry experience. He is currently with Cetera and has previously worked at Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory work, he is a member of Bonji Bowls LLC, a business owner. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures.

Russell Slader is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Slader owns Slader Financial, LLC, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Jennifer Hutchison is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Primerica and affiliated firms since 1998. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Dawn Sakolsky is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with LPL Financial since 2008. In addition to her advisory role, she is a notary public in Denville, NJ. 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 broad range of financial planning and advisory programs, including retirement plan consulting and brokerage services, with access to model portfolios, research, and various management approaches.

Francis Dunn is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for seven years. Outside of his advisory role, Dunn provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals and supports a broad network of advisors and affiliated firms.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.

Adam Abida is a financial advisor at Merrill Lynch Wealth Management. He focuses on providing personalized guidance to individuals and families, helping them pursue their financial goals through strategies tailored to their unique priorities. Adam specializes in personal retirement planning, portfolio management services, socially responsible and values-based ESG investing, and tax minimization. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is also a member of The National Society of Leadership and Success. His approach involves working closely with clients to define their goals and adapting portfolio strategies as their situations evolve. Outside of his professional role, Adam has interests in chess, golfing, music, and reading.

Melissa Norwicke is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Leigh Baldwin & Co., LLC for 10 years and PFS Partners, LLC for 5 years. Norwicke is also commissioned as a notary. 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 brokerage services supported by model portfolios, research, and technologies such as machine learning.

John Cooney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. His expertise encompasses family wealth management, legacy planning, institutional consulting, managing new wealth, portfolio management services, and retirement income planning. John leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. John holds a Bachelor's Degree from Dominican College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional activities, John enjoys baseball, golfing, and spending time with his family.

Robert Goldstein is a financial advisor with LPL Financial based in Fairfield, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with LPL Financial since 2004 and also leads The Astorino Financial Group, Inc. Additionally, Goldstein serves as a director on the board of Boling Springs Savings Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management options.

Suzanne Troiano is a financial advisor with Primerica Advisors in Newton, NJ, holding Series 63 and Series 65 licenses and with 28 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1997. Outside of her advisory work, she is self-employed as an actor. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that relies on model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

James Caristia is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has worked at LPL Financial since 2019 and previously spent nine years with 1st Global Capital Corp. and 1st Global Advisors, Inc. Caristia is also managing member of Caristia, Kulsar & Wade, LLC, which he has been associated with since 1977. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and model portfolios.

Thomas Napier is an Investment Consultant at Fidelity Investments. In this role, he provides point-in-time guidance for clients and their families, assisting them in preparing for the future and educating them on the resources available through Fidelity. He focuses on understanding client needs to collaboratively build financial plans aimed at achieving their goals. Thomas has worked in the financial services industry since 2021. His professional experience includes serving as an Investment Consultant and Investment Solutions Representative at Fidelity Investments, a Retirement Planning Consultant at AIG, and a Financial Advisor at Equitable Advisors. He holds insurance licenses in Arkansas and California.

Steve Grossbard is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 registrations and has 37 years of industry experience. He has previously worked at Prudential Insurance Company of America and First Allied Advisory Services. Outside of his advisory role, Steve is a self-defense coach and conducts self-defense seminars several times a month. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including wrap accounts and educational seminars.

Nicholas Amoresano is a financial advisor at Merrill with Series 65 and Series 63 registrations and four years of industry experience. His work history includes positions at Bank of America, Merrill, Daybreak, Inc., and University of Scranton. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.