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 licenses and has worked at firms including Morgan Stanley Smith Barney LLC, Fidelity Brokerage Services LLC, UBS Financial Services, and The Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically uses model-driven investment approaches and offers financial planning, consulting, and access to third-party asset managers.

William Herterich is a financial advisor at MassMutual Investors Services with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has been with MassMutual Life Insurance Co and MML Investors Services since 2025, following over two decades at Equitable Advisors. Outside of his advisory work, he has served as a spin instructor at the YMCA since 2010. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual, collaborative relationships using firm-approved analytical tools.

Kevin Reidinger is a financial advisor at LPL Enterprise with eight years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

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.

Sebastien Cassu is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and five years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2021. Outside of his advisory role, he is also an independent insurance agent selling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements using firm-approved software and tools, with optional implementation of recommendations through brokerage or insurance products.

Scott Howell is a CFP® with 27 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at HSBC Bank USA, HSBC Securities (USA) Inc., Citigroup Global Markets, Citicorp Investment Services, Chase Investment Services Corp., and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options supported by technology and has a significant presence with over 22,800 advisors and $819 billion in discretionary assets.

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® with 29 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Guardian Life Insurance Company of America. Outside of his advisory work, he is a partner in several private investment ventures, including real estate and specialty businesses, and is a passive member of the Entrepreneurs Organization. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, multi-advisor platform, and integration of multiple affiliated entities.

John Crlencic is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

Mark Dubel is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018, following five years at INVEST Financial Corp and over two decades at Affinity Federal Credit Union. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Warren King is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Capital Craft. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Christopher Ferrone is a financial advisor with LPL Financial in Branchburg, NJ, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MMLIS Investors Services, Massmutual, Ameriprise Financial Services, and Morgan Stanley. Outside of his advisory work, he is involved with Going Gold Choreography, LLC, a non-investment-related activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, and other institutions. The firm supports its investment adviser representatives with a broad platform including financial planning, model portfolios, third-party asset management, and institutional programs.

Rob Budziszewski is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2022. He leads a team of financial professionals focused on aligning with clients' evolving needs, collaborating to provide clarity and assist in developing personalized, goal-based financial plans. His approach aims to inspire clients to achieve peace of mind and fulfillment through their financial goals and dreams. Rob has held several positions within Fidelity Investments, including Assistant Branch Leader and Planning Consultant in 2021 and 2022. Prior to joining Fidelity, he worked at Hennion & Walsh, Inc. from 2008 to 2021, serving as Associate Vice President and Investment Associate Supervisor. Outside of his professional responsibilities, Rob enjoys family activities, golf, music, pets, skiing, and traveling.

Lynn Delprado Araneta is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with OSAIC. She was previously with Signator Investors, Inc. for 37 years before joining Royal Alliance Associates, Inc. in 2018. In addition to her advisory roles, she is involved with ACORN Financial Services Inc., focusing on retirement, insurance, investment, and college education planning, as well as term and universal life insurance brokerage. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, affiliate network, and private-equity ownership.

Patrick Tierney is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1998, bringing 24 years of experience in financial services. He specializes in guiding and advising clients on wealth management strategies aimed at helping them pursue their financial goals. Patrick focuses on maintaining moderate risk in investment portfolios while pursuing absolute returns and maximum diversification. His expertise includes areas such as college education planning, executive and equity compensation, family wealth management strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. As a Senior Portfolio Manager, Patrick manages his own discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick holds a Bachelor's Degree from the University of Scranton and holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Alternative Investment Analyst (CAIA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Patrick spends time volunteering in his community and enjoys basketball, music, reading, and spending time with his family.

Mitchell Feldman is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. His work history includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Americas Health Brokers Inc. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers services such as financial planning, access to asset managers, and insurance product sales through affiliated entities.

Rosanna Vizzoni is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. She has previously worked at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Vizzoni also owns two small property construction and renovation businesses. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, leveraging research and analytics to support diversified investment approaches.

James Fahey Jr. is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management based in Bedminster, New Jersey. He serves a diverse clientele including executives, healthcare professionals, retirees, and business owners, providing guidance on retirement planning, concentrated stock positions, equity compensation, and complex wealth management decisions. As a U.S. Navy veteran, James brings decades of experience to his role. He holds several professional designations, including Chartered Life Underwriter (CLU), Accredited Asset Management Specialist (AAMS), and Certified Plan Fiduciary Advisor (CPFA), among others. James advises retirement plan sponsors and fiduciaries on plan governance and best practices, emphasizing clear and practical financial guidance. He completed an Accredited Certificate Program from the College for Financial Planning. James is active in professional organizations such as the Greater Middlesex Somerset County Estate Planning Council and the Somerset County Business Partnership. He maintains community involvement with institutions including Blair Academy, Fordham University, Lafayette College, and Lehigh University.

Daniel Botero Torres is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His work history includes positions at the University of Miami and several educational institutions. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, employer-sponsored retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated non-securities products and services.