Vincent Bonavita Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he worked at OSAIC and American Portfolios Financial Services, Inc. He is based in Flemington, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options, supported by research and model portfolios from multiple sources.

Kevin Cernuto is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, with prior experience at METLIFE Securities. Outside of his advisory role, he is also an insurance agent specializing in life, disability, long-term care, fixed annuities, and health products. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational services with an emphasis on collaborative, annual planning engagements.

Franco Piarulli is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016, including roles at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

James Famula is a financial advisor with LPL Enterprise, holding Series 65 and Series 66 licenses and 25 years of industry experience. He previously worked at Ameriprise Financial Services and Royal Alliance and has operated his own golf academy since 2011. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to a range of investment and insurance products through its integrated advisory and brokerage platform.

Zain Merchant is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, he held positions as a Workplace Planning Consultant and Investment Solutions Representative within Fidelity Investments. His experience also includes roles as AVP Premier Banker at Wells Fargo, Financial Solutions Advisor at Merrill Lynch, and AVP Branch Manager at PNC Bank. Zain holds a California Insurance License. His professional focus involves collaborating with clients to develop personalized, holistic financial plans that address both current and future goals. He emphasizes building long-term relationships to help clients achieve peace of mind.

Peter Carollo Jr. is a CFP® with 40 years of industry experience. He is currently with OSAIC and previously worked for Lincoln Financial Securities Corporation for 17 years. In addition to his advisory role, he is an insurance agent offering accident, health, disability, long-term care, life insurance, and annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations. The firm provides brokerage and advisory services with access to multiple platforms, employing various asset allocation tools and third-party solutions to construct and manage portfolios.

Christopher Kete is a financial advisor at Cetera with 50 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera since 2023, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Kete is also involved in a financial services business under the name Private Client Group. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

David Stuto is a financial advisor at Merrill with 28 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, previously spending nearly a decade at Morgan Stanley Smith Barney and Morgan Stanley & Co Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Grant Kozak is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2024. He previously worked at Warwick Capital Group for seven years and was co-owner of LivSmooth, a laser hair removal business, from 2020 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting supported by research and a variety of portfolio management options.

Andrew Riviello is a CFP® with seven years of industry experience, currently affiliated with OSAIC in Somerville, NJ. He has held roles at OSAIC since 2024 and previously worked at Securities America Advisors, Inc. and MassMutual. Outside of his advisory work, he is also licensed as an insurance agent. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated financial advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services, offering financial planning, retirement plan consulting, unified managed accounts, and access to third-party money managers.

Kaden Pickering is a financial advisor at Mass Mutual Investors Services with two years of industry experience and holds a Series 66 designation. He has been with Mass Mutual Investors Services since 2024 and also serves as a volunteer assistant hockey coach for Millburn High School. Additionally, he is involved with Hockey Players in Business, a networking group focused on raising money for charity. Mass Mutual Investors Services 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’s approach includes collaborative, annual financial planning engagements using firm-approved software to analyze client goals.

Christopher Russo is a CFP® and holds a Series 66 designation, with 24 years of experience in the financial industry. He has been associated with Fidelity Investments since 2014 and currently works within Fidelity Personal and Workplace Advisors in Jersey City, NJ. Christopher is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including discretionary and non-discretionary advisory roles, fund advisory, and delivery of model portfolios to intermediary platforms.

Mohamed Kotb is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Kotb is also involved in Prudential-sponsored non-variable insurance activities. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to various investment and insurance products through an integrated platform that combines adviser programs with brokerage and insurance offerings.

Thomas Casey is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been active in the financial industry since 2010 and works closely with clients to address goals-based financial challenges such as retirement and estate planning, along with strategies to manage portfolio risks. Thomas employs Merrill's goals-based wealth management approach to help clients articulate and pursue their financial objectives. He holds a Bachelor's degree in Economics from Pennsylvania State University and a Master's degree from the College of Financial Planning. Thomas holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials reflect his expertise in wealth management and financial planning. Outside of his professional role, Thomas is involved with the Hills Tennis League, Junior Achievement, and The Somerset County Business Partnership. He lives in Bedminster, New Jersey with his daughter and enjoys participating in outdoor activities with her.

Thomas Wagner is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Securities America Advisors and National Planning Corporation. In addition to his advisory role, he operates Wagner & Associates, LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios and research from multiple sources.

Stephen Frazer is a financial advisor with LPL Financial in Somerville, NJ, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. His prior roles include positions at Triad Advisors, Inc. and GWN Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management and incorporating research, model portfolios, and diverse investment strategies.

Jennifer Lockett is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and having 28 years of industry experience. She has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, employing proprietary capital market assumptions and research to tailor portfolio strategies. The firm combines institutional trading capabilities with wealth management and offers additional services such as fiduciary financial planning, underwriting, and securities-backed lending.

Michael Barna is a Senior Resident Director at Merrill, where he serves dual roles as a Wealth Management Advisor and Resident Director of the Chester, NJ office. In his capacity as Resident Director, he supports, coaches, and mentors the Financial Advisors and associates in his office. As a Wealth Management Advisor, Michael works with business owners, senior executives, and multi-generational families, providing customized financial strategies and sustained advice. His areas of expertise include college education planning, corporate executive services, divorce transition planning, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, and small business strategies. Michael holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from Seton Hall University. Michael is actively involved in his community as an Ambassador to the Princeton Mercer Regional Chamber of Commerce and as a Board of Trustee to the Somerset County Business Partnership. His personal interests include baseball, football, golfing, reading, spending time with his family, swimming, traveling, watching movies, and writing.

Thomas Fallon is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 21 years and OSAIC for one year. Fallon is also a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Kenneth Mayer is a financial advisor with Morgan Stanley in New York, NY, holding Series 63, 65, and 66 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member of Mayer Brothers Capital Management, LLC and is a partner in Mayer Family Associates, LP. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.