Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Natalie Vigunas serves as Vice President and Branch Leader at Fidelity, a role she has held since 2023. In this capacity, she is responsible for maintaining Fidelity's standard of care to ensure clients have exceptional financial planning experiences. She leads a team focused on developing client relationships by understanding their personal and financial situations to simplify complex financial planning concepts for better client comprehension and implementation. Natalie has been with Fidelity since 2006, progressing through various roles including Regional Planning Consultant from 2014 to 2023, Vice President and Financial Consultant from 2011 to 2014, Financial Consultant from 2009 to 2011, Investment Consultant from 2008 to 2009, and Financial Representative from 2006 to 2008.

Jeffrey Miller is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at American Portfolios Financial Services, Inc. and OSAIC. Miller is also a licensed notary in New Jersey and involved in non-variable insurance sales. 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 range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Shawn Tighe is a financial advisor at LPL Financial with 12 years of industry experience. He holds the CFP® and Series 66 designations and has previously worked at Raymond James and Associates, Inc and UBS Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, banks, credit unions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Kerry Carlo is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 1996, totaling 30 years at the firm. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment strategies developed by its Chief Investment Office and third-party managers within Bank of America’s broader platform.

Brian Langan is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Jean Choiniere is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services and Wealthspring Financial Partners LLC. Outside of his advisory work, he holds a junior advisor role at Wealthspring Financial Partners LLC where he prepares financial plans and manages client portfolios. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management solutions and financial planning services through a large nationwide network of independent advisors.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has worked since 1997. In her role, she assists families, individual investors, and business owners by developing and implementing personalized financial strategies to help clients achieve their financial goals. Jennifer works closely with clients over time, regularly reviewing and adjusting strategies as needed, and collaborates with their attorneys and CPAs to create comprehensive and goals-based financial plans. Jennifer's expertise encompasses a wide range of financial planning areas, including investments, asset allocation, education planning, retirement planning, estate planning, philanthropic planning, and small business strategies. She holds several professional designations, including the Chartered Retirement Planning Counselor™ (CRPC™), the Certified Plan Fiduciary Advisor™ (CPFA), and the Accredited Domestic Partnership Advisor™ (ADPA™). She earned her High School Diploma from Pompton Lakes High School. Residing in Pompton Lakes, NJ, Jennifer serves as an elected Councilwoman in her hometown. She is actively involved in community organizations such as the Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, and the Pompton Lakes Woman's Club. In her personal time, Jennifer enjoys competitive skeet shooting, cooking, traveling, water sports, and spending summer days on Greenwood Lake with her two children, Paige and John Michael.

Robb Hageman is a financial advisor at Mass Mutual Investors Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2019, following prior roles at MassMutual Life Insurance and Ameriprise Financial Services. Mass Mutual Investors Services 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 planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Nuno Pereira is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Planmember Securities Corporation. Pereira is also president of Pereira Wealth Management, where he serves as a wealth manager. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning solutions, with access to both affiliated and third-party managers and multiple program structures.

Lucas Sailer is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2013 and also has experience at Bank of America, N.A. Additionally, he is involved with BIG Messages, an answering service for doctors in northern New Jersey, where he handles communications between hospitals, patients, and doctors. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutional investors.

Joseph Sparacino is a Financial Consultant currently with Fidelity Investments, a position he has held since 2025. Prior to this role, he gained experience at Fidelity Investments as a Planning Consultant from 2023 to 2025 and as an Investment Consultant in 2023. His financial services career also includes roles at E*TRADE from Morgan Stanley, where he served as a Financial Consultant from 2021 to 2023 and as an Associate Financial Consultant from 2019 to 2021, as well as experience as an Account Manager at LL Business Management from 2018 to 2019. Throughout his career, Joseph has focused on developing tailored financial strategies that align with the individual priorities of his clients. He collaborates closely with his team and utilizes the resources of his firm to provide clear guidance and insight. Outside of his professional work, he enjoys activities such as golfing, hiking, cooking, and spending time at Lu Nello in Cedar Grove, reflecting personal interests that include beach activities, cooking and baking, fitness, golf, hiking, and traveling.

John Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management in Wayne, New Jersey. He joined Merrill Lynch in 2015 and focuses on delivering customized services in areas such as portfolio management, trust, estate, and retirement planning. John provides his clients access to banking, credit, and lending solutions through Bank of America, assisting in building, preserving, and transferring accumulated wealth. He has held leadership roles within Merrill, including membership in the Advisor Growth Network and overseeing the growth of the Wayne office into a Complex office. Before joining Merrill Lynch, John spent 14 years at Bear Stearns & Co., where he was a leading producer in the firm's International Equities Division and became one of the youngest Senior Managing Directors in the firm's history at age 30. He also worked over six years at Weeden and Co. in Greenwich, Connecticut, as a Senior Equity Sector Strategist, and held senior positions including Senior Portfolio Manager, Chief Operating Officer, and Chief Risk Officer. John holds a Bachelor of Business Administration in Finance from Loyola University in Maryland and completed the CPWA® Program at the Yale School of Management in 2025. He holds several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He maintains multiple FINRA Series registrations including Series 7, 9, 10, 24, and 66. Outside of his professional life, John runs the Loyola Lacrosse Mentorship Program and is a 3rd Dan Black Belt in Taekwondo. He serves on the President's Council at St. Thomas Aquinas College in Sparkill, NY.

George Barnes is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 33 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and its affiliate Pruco Securities, LLC for over three decades. He serves as a nonprofit board member for the Yana Foundation and is an assistant basketball coach in Montville, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products within an integrated platform.

Craig Cutler is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial since 2003 and holds Series 63 and Series 66 credentials. Outside of his advisory role, he participates in competitive disc golf tournaments through the Professional Disc Golf Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of advisers.

Steve Killebrew is a financial advisor with Ameriprise in Ridgewood, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured process supported by algorithmic automation and oversight committees.

James Langham is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 13 years before joining Mass Mutual in 2023. 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 planning engagements as annual collaborative relationships that provide written recommendations using firm-approved software.

Urszula Wierzgala is a Series 66 licensed financial advisor with J.P. Morgan Securities, bringing 22 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, NA since 2017. Outside of her advisory role, she is a co-owner of a rental property. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jeffrey Jacobs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory role, he is involved in property and casualty insurance-related activities through Plymouth Rock in Fairfield, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through a platform that integrates adviser programs with a range of financial products and third-party asset management.

Richard Hennessy Jr. is a financial advisor with Mass Mutual Investors Services who holds 38 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 30 years. He also maintains a role with MassMutual Life Insurance Co. Mass Mutual 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, with planning engagements focused on collaborative annual relationships and the use of firm-approved analytical tools.