Arlene Peters is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. Her career includes roles at AMERIPRISE FINANCIAL SERVICES, Avantax, and BKC Wealth Management. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management, financial planning, and consulting services through a nationwide network of independent advisors.

Ronald Hunter is a CFP® with 36 years of industry experience, currently affiliated with LPL Financial since 2015. His prior experience includes roles at Gladstone Wealth Group, Independent Financial Group, First Allied Advisory Services, and FFP Advisory Services. Outside of his advisory work, he is involved in tax preparation and accounting through Somerset Tax Advisory and also works as an independent producer for non-variable insurance with Peak Pro Financial. 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 broad range of advisory and brokerage services, utilizing a variety of investment strategies and operational tools across its extensive advisor network.

Jigna Patel is a financial advisor with J.P. Morgan Securities in North Brunswick, NJ. She holds the Series 66 designation and has six years of industry experience, including a prior 11-year tenure at Valley National Bank. Her current role at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. began in 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary framework. The firm’s advisory process integrates quantitative and qualitative due diligence and may include ESG considerations, supported by affiliated investment-management entities.

Anthony Mea Jr. is a financial advisor with UBS Financial Services in Warren, NJ, holding a Series 63 designation and 40 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. 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 and uses proprietary research and model-based asset allocations to tailor plans for clients.

Jaime Banghart is a financial advisor with UBS Financial Services in Middlesex, NJ, holding a Series 66 designation and 22 years of industry experience. She has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Paul Tompkin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, LPL Enterprise, and Penn Mutual Life Insurance Co. He operates out of Warren, NJ. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements supported by firm-approved software and offers specialized services such as divorce planning and event-driven estate and employer-sponsored planning programs.

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 at LPL Enterprise with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at The Prudential Insurance Company of America, Pruco Securities, Vestwell, Betterment, and ADP. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, as well as institutional clients such as employer-sponsored retirement plans and charitable entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Charles Tamayo Mayorga is a financial advisor at LPL Financial with nine years of industry experience. He has held positions at LPL Financial since 2018 and previously worked at INVEST Financial Corp. He is also involved with Affinity FCU, where he has been active since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and third-party asset management, utilizing both discretionary and non-discretionary investment strategies.

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.

Garrett Valentino is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services LLC and Chubb/Avenica Inc. Outside of finance, he has a long-term involvement with Proskate, a venture spanning over a decade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a specialized group of Wealth Advisors, focusing on non-discretionary, customized asset allocation advice and investment manager searches supported by centralized due diligence and a forward-looking investment approach.

Christopher Heiser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked with various entities within JPMorgan Chase since 2011, including J.P. Morgan Securities and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG criteria and broader derivatives capabilities.

Joshua Vallejos is a financial advisor with LPL Enterprise, LLC, holding Series 65 and Series 66 licenses and four years of industry experience. His prior experience includes roles at T.D. Bank N.A., TD Private Client Wealth LLC, Edward Jones, Bank of America, Merrill, and other firms. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Linda Yu is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has worked at LPL Financial since 2025 and previously operated Linda M. Yu, CPA LLC, providing tax preparation and accounting services since 2022. Outside of advising, she owns Yu's Black Belt Institute, Inc., a business unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services delivered through a large network of advisors utilizing various portfolio strategies and third-party resources.

Michael Merlo is a financial advisor with Wells Fargo Clearing in Bedminster, NJ, holding a Series 63 designation and bringing 53 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as treasurer for the Kiwanis Club in Linden, NJ. 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 leverages research and analytics to provide diversified investment solutions and operates with a large network of over 14,000 financial advisors.

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.

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.

Gregory Bielat is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with UBS since 1991. UBS Financial Services Inc. 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 and provides a broad range of capital markets and research resources.

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.