Alan Perlberg is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with UBS since 2013. Perlberg has served as a notary public and has acted as a financial advisor and executor for a private estate. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management, and utilizing proprietary research and model-based asset allocations to tailor client strategies.

Andrew Kimm is a financial advisor with UBS Financial Services in Chatham, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he pursues photography as a hobby and has attempted to sell his work through a personal website. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Andrew Slotnick is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at Goldman Sachs and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective Wealth Advisor program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Scott Tolochko is an Investment Consultant at Fidelity Investments since 2025. In this role, he focuses on financial planning, working closely with clients to develop personalized strategies that address their unique financial situations and goals. Scott's professional experience includes positions as a Financial Representative at Fidelity Investments from 2024 to 2025, a Wealth Advisor at Money at Work, LLC from 2023 to 2024, and a Financial Advisor Intern at Campania Wealth Management in 2022. His background reflects a progression of roles in financial advisory and investment consulting. Outside of his professional work, Scott has interests in fitness, golf, and soccer.

Anthony Lewis is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 14 years of industry experience. His prior roles include positions at Morgan Stanley, Stifel, Barclays Capital Inc., and Merrill. Outside of finance, he was involved with the Manhattan Exercise Company, LLC for eight years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Gerald Dowling is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and retirement income. With a career spanning over 45 years, he works primarily with self-employed business owners and professionals to help them achieve their investment goals through retirement. Gerald’s expertise includes the selection of individual equities, municipal bonds, mutual funds, and ETFs. He entered the securities industry in 1979 and joined Merrill Lynch Wealth Management in 2005 following the acquisition of his previous firm. He holds multiple FINRA registrations, including Series 3, 7, 8, 63, and 65, as well as the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree from Fairleigh Dickinson University and an MBA from Seton Hall University. Gerald resides in Madison, NJ with his wife, Dori, and they have three grown children. Outside of work, he enjoys traveling, watching movies, and writing.

Ana Freay is a financial advisor with J.P. Morgan Securities in Madison, NJ, holding Series 65 and Series 63 licenses with four years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, TD Bank, and ULTA Salon Cosmetic Fragrance Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and combines quantitative and qualitative research to build model asset allocations.

Daniel O'Sullivan is a financial advisor at MassMutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Barnum Financial Group and Compass Group. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to develop written recommendations in collaborative client relationships.

Theresa Payne is a financial advisor with Merrill in East Brunswick, NJ, holding Series 63 and Series 65 licenses. She has 28 years of industry experience and has been with Merrill since 1994. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nicolas Zolofra is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nicolas earned his Bachelor's Degree from The College of New Jersey. Further details regarding his experience, areas of expertise, and personal interests have not been provided.

Melanie Winkle is a Series 66-registered financial advisor at Wells Fargo Clearing with four years of industry experience. She previously worked at Barings and TIAA before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Armaghan Ahmad is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and four years of industry experience. He has been with Wells Fargo Clearing since 2017 and has worked at Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, and it includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Max Tominovich is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fiserv and Ramapo College of New Jersey. He serves as a corporal and section leader in the United States Marine Corps Reserve, where he is responsible for training and managing his mortar section. 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 uses detailed client data and firm-approved software to develop collaborative financial plans and offers specialized programs such as Divorce Planning and estate-settlement services.

Kenritsu Hamasaka is a financial advisor with Morgan Stanley in Short Hills, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked within Morgan Stanley Private Bank and Morgan Stanley since 2016. Outside of his advisory role, Hamasaka is a silent partner in K&M Inception LLC, a retail business in Rutherford, NJ. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm‑approved tools, serving clients both directly and through employer-based agreements.

Gautam Misra is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and with 33 years of industry experience. He has worked at LPL Financial since 2017 and previously spent over two decades at Beacon Financial Group and National Planning Corporation. Outside of his advisory role, he is involved with a home-based business entity, Misra Enterprise Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment options, including model portfolios and third-party asset management, supported by advanced research and operational tools.

David Biunno Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is a member of the RM & Associates team, which allows him to address a wide range of financial needs and situations. David has worked in financial services since 2007, providing tailored advice and guidance to executives, small business owners, and families through a holistic approach that accommodates multiple priorities. His experience includes crafting robust strategies grounded in clients' specific goals and needs while considering their risk profiles and time horizons. Prior to joining Merrill Lynch Wealth Management, David spent six years as a Financial Advisor with Professional Economic Growth Group in Edison, New Jersey. He also served as an advisor with AXA Insurance. David holds a bachelor's degree from Providence College and is a founding member of its New Jersey Alumni Association. He has earned the Chartered Retirement Planning Counselor (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. In addition to his professional activities, he is involved in the Providence College Alumni Club of New Jersey, serves as a hockey coach for the Beacon Hill Club, and participates with the New Jersey Brain Injury Association.

Khush Batth is an Investment Consultant at Fidelity Investments, a role held since 2025. Prior to this, Khush worked as a Financial Planner at Prudential from 2024 to 2025. In these roles, Khush focuses on financial planning that centers around a comprehensive understanding of clients' personal and financial priorities to co-create tailored investment plans. Khush emphasizes a framework for success in financial planning, aiming to align investment strategies with clients' goals and values. Outside of the professional sphere, Khush has interests that include beach activities, biking, fitness, hiking, motorcycles, and soccer.

Jeffrey Smith is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018. His prior experience includes roles at Invest Financial Corporation and 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 institutions. The firm offers a range of financial planning, asset management, and retirement advice services, utilizing both proprietary model portfolios and third-party strategies across a variety of investment approaches.

Eric Birnbaum is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2022. In this role, he leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations. Eric emphasizes educating clients by simplifying complex financial concepts, aiming to build strong relationships based on confidence and trust that provide clients with peace of mind and fulfillment. Eric has extensive experience in the financial services industry, with a career spanning over two decades. Prior to his current role, he served as Assistant Branch Manager and Branch Service Manager at Fidelity Investments, and held various positions at New England Securities, including Operations Manager and Managing Associate. He began his career as a Financial Representative at First Investors. Outside of his professional work, Eric enjoys comedy, family activities, spending time at the lake, music, outdoor adventures, and parenthood.

Erica Metz is a CFP®-credentialed financial advisor with eight years of industry experience, currently practicing at Raymond James Financial Services Advisors, Inc. She previously worked at Boston Private and is the owner of Money At Work LLC, where she dedicates significant time meeting with clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.