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® professional with 40 years of industry experience, currently serving at OSAIC since 2025. He previously worked at Lincoln Financial Securities Corporation for 17 years and Managed Assets Group for 23 years. In addition to his advisory role, he acts as an insurance agent offering accident, health, disability, life insurance, and fixed/equity index annuities. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm provides brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a range of managed account solutions.

Gary Wayne is a CFP® with 30 years of industry experience, currently working at Wells Fargo Advisors since 2022. He previously spent six years at Wells Fargo Clearing. Outside of his advisory role, he is involved in several private investment ventures and family enterprises. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, using proprietary research and tools to deliver tailored recommendations.

Christopher Kete is a financial professional at Cetera with 50 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing, Morgan Stanley, UBS Financial Services, and Merrill. He is also involved with Private Client Group, a financial services business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 one year of industry experience. He previously worked at High Rise Capital and Warwick Capital Group and is a co-owner of LivSmooth, a laser hair removal business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on customizable investment strategies supported by research and technology tools.

Andrew Riviello is a CFP® with 8 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. Prior to this, he worked at Securities America Advisors, Inc. and MassMutual, among other firms. He also holds a role as an insurance agent in addition to his advisory work. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization using risk assessments and a variety of managed account options.

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®-certified financial advisor at Fidelity with 24 years of industry experience. He has been with Fidelity Investments since 2014, including seven years at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage a range of registered investment companies and funds.

Mohamed Kotb is a financial advisor with LPL Enterprise based in Bedminster, NJ, holding Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. Kotb is also involved in a non-variable insurance agency as part of his business activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm typically implements investment strategies through model portfolios and offers financial planning, access to third-party asset managers, and insurance product sales via affiliated entities.

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® with 15 years of industry experience. He is affiliated with LPL Financial and has held prior roles at Securities America Advisors, National Planning Corporation, and has operated Wagner & Associates, LLC since 2010, specializing in tax preparation and accounting services. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a network of investment adviser representatives.

Stephen Frazer is a financial advisor with LPL Financial in Somerville, NJ, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has previously worked with Triad Advisors, GWN Securities, and IC Advisory Services. Frazer also sells Term and Universal Life insurance as a part-time agent. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 credentials and bringing 32 years of industry experience. His prior work includes over two decades at American Portfolios Financial Services, Inc. and a long tenure with Ford Financial Group/Phoenix Home Life. He is also a commissioned notary. 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 range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

James Colonna is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. 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. Their advisory approach integrates centralized due diligence and ESG considerations, supported by affiliates specializing in portfolio implementation and management.

Jackson Munoz is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. Merrill, alongside 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 and profit-sharing plans, corporations, and charitable organizations.

Patrick Buzby is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop personalized wealth management strategies tailored to their short-, mid-, and long-term financial goals. Patrick works with clients in areas such as corporate benefits, education planning, employee benefits planning, personal retirement planning, portfolio management services, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from James Madison University. Patrick emphasizes building client-centered strategies by understanding what matters most to each individual, offering a range of services from general investing to retirement planning, and providing access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Patrick enjoys fishing, golfing, skiing, and spending time with his family.

Susan Dente is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2020, following four years at Insight Private Advisors. Ameriprise offers a retirement-income planning service for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and delivers a broad range of advisory, brokerage, and insurance solutions.