Howard Golick is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has worked with LPL Financial since 2018 and previously spent five years at INVEST Financial Corp. He has also been affiliated with Affinity FCU for over 30 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, while supporting advisors with research tools and various non-advisory financial activities.

Lauren Becht is a CFP® and Series 66-registered financial advisor with 16 years of industry experience. She has been with UBS Financial Services since 2015, with a brief period of unemployment from 2019 to 2020. Lauren is based in Warren, NJ. UBS Financial Services 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 to clients’ goals and risk tolerances.

Jenifer Parks is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 28 years of industry experience. She has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors, LLC. In addition to her advisory role, she serves as a notary in Morris County, New Jersey. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Elias Chamoun is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and BMO Nesbitt Burns. Before entering the financial industry, he was involved in Choice Refreshments Vending for over a decade. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering these services alongside affiliated brokerage and investment management capabilities.

Jarrett Dewelde is a financial advisor with Equitable Advisors in Somerville, NJ, holding a Series 66 designation and bringing 23 years of industry experience. He has been with Equitable Advisors since 2002, including its prior iteration as Axa Advisors. Outside of his advisory role, Dewelde coaches the St Joseph High School chess team. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory solutions.

Daniel Reno is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Bank of America, N.A., Merrill Lynch Pierce Fenner & Smith, and Trademark Management Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Tedesco is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses with six years of industry experience. His prior roles include positions at Ernst & Young Investment Advisers LLP and Redcom. Outside of finance, he is involved in youth and amateur ice hockey as a coach and owner of an ice hockey camp, and he serves as chapter president of a hockey networking and charity organization. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers structured, collaborative planning engagements using proprietary software tools and also provides event-driven planning services such as divorce and estate-settlement planning.

Sunil Bhavnani is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2019. Bhavnani serves on the board of directors for Scientech Labs Inc., an analytical testing laboratory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Omega Mcintosh is a financial advisor with LPL Enterprise holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Enterprise in 2024, Mcintosh worked at Prudential Insurance Company of America and Pruco Securities, with earlier roles at J.P. Morgan Securities and Bank of America, among others. Outside of finance, Mcintosh serves as a board member for Brooklyn Faith Seventh Day Adventist Church and works as a paralegal for the New York City Law Department. 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 employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, offering financial planning, access to third-party asset managers, and additional services such as affiliated trust custody and insurance product facilitation.

Emma Poalillo is a financial advisor at UBS Financial Services with three years of industry experience. She holds Series 63 and Series 66 licenses. Her prior roles include work at Jack Oujo CPA, Inc DBA Oujo Wealth Strategies and Avantax Investment Services Inc. UBS Financial Services 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, leveraging proprietary research to tailor plans according to clients’ goals and risk tolerances.

Robert Lamperti is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He previously worked at Allied Wealth Partners, Securian Financial Services, Inc., and Minnesota Life Insurance Company. Outside of his advisory role, he is involved in a non-variable insurance business in Sparta, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a broad array of financial planning and asset management services, supported by a large network of investment adviser representatives and a range of proprietary and third-party investment strategies.

David Nader is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Osaic since 2025. Prior to joining Osaic, he worked for Lincoln Financial Advisors Corp. for 22 years. Outside of his advisory work, he co-owns ASDN Ent., LLC, which provides marketing and brand-building services to martial arts athletes. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors and advisory platforms. The firm employs a range of asset-allocation tools and portfolio management strategies, offering integrated brokerage and advisory services supported by various third-party platforms.

Michael Salerno is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Raymond James, he spent 14 years at Commonwealth Financial Network. Salerno is also an independent contractor for Executive Wealth & Retirement Strategies, a financial planning company operating under a DBA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through affiliations uncommon in large institutional advisors.

Christopher Meredith is a financial advisor at Charles Schwab with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Charles Schwab since 2012, including a year at Charles Schwab Bank. Charles Schwab & Co., Inc. provides wealth advisory, brokerage, custody, and cash-sweep services primarily to high- and ultra-high-net-worth individuals. The firm offers both non-discretionary and discretionary investment management through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts.

Leonard Mancini is a financial advisor at LPL Financial with 25 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 21 years and at OSAIC for one year. Mancini holds Series 63 and Series 66 licenses. 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 wide range of financial planning and investment management services, supported by a large network of advisors and extensive operational resources.

Paul Fosmire is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven portfolios and offers financial planning, third-party asset management access, and affiliated insurance and trust services.

Anne Blaine is a financial advisor at LPL Enterprise with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including The Prudential Insurance Company of America, Pruco Securities LLC, and Cambridge Investment Research, Inc. Outside of her advisory role, she serves as a volunteer childcare associate at Westbridge Community Church and is a board member and Membership Director for the nonprofit BWNice. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Ling Yang is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving high-net-worth individuals, families, and private business owners. She manages wealth to help clients achieve their investment, wealth transfer, and philanthropic objectives. Ling focuses on providing comprehensive investment management and wealth planning services, including handling complex financial needs such as retirement planning, tax minimization, and corporate executive services. She also offers credit and lending solutions through Bank of America, N.A. Before joining Merrill Lynch, Ling gained experience as a senior financial analyst at the Los Angeles Times and worked in consulting roles with SAP and Alcatel. She has broad expertise in consulting, financial planning and forecasting, financial modeling, business analysis, and operations optimization. Ling earned her MBA with a concentration in Finance from the University of Southern California. Fluent in multiple languages including English, Chinese, Mandarin, Taiwanese, Wu, and Japanese, Ling works closely with diverse clients, including first-generation Chinese Americans, to address their unique financial goals. In her personal time, she enjoys cooking, hiking, traveling, and practicing yoga.

Brinia Garcia is a financial advisor with Morgan Stanley in Warren, NJ, holding a Series 66 designation and eight years of industry experience. She has been with Morgan Stanley since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs for individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Marielle Cassubhai is a Wealth Management Planning Consultant at Fidelity Investments, where she partners with Wealth Management Advisors and ultra high net worth clients to develop and refine strategies for wealth growth, preservation, and transfer. She leverages Fidelity's resources and insights to support collaborative financial planning. She has been with Fidelity Investments since 2013, holding roles including Senior Relationship Manager, Wealth Management Senior Services Specialist II, and currently as a Wealth Management Planning Consultant. Her experience spans various aspects of wealth management and client relationship management within the firm.