David Morrison is a Series 66-licensed financial advisor with 24 years of industry experience. He has worked at Merrill from 2015 to 2021 before joining UBS Financial Services Inc. in 2021. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Ivana Lotoshynski is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial. She previously spent 13 years with NEXT Financial Group. Her outside activities include operating a business called People Wealth Matters in connection with her LPL role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research.

Gregory Guss is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2020, initially serving as a Financial Consultant before advancing to his current role. Prior to joining Fidelity, Gregory was a Senior Financial Planner at The Ayco Company from 2012 to 2019. His professional experience spans over a decade in financial planning and wealth management, focusing on developing tailored financial plans that address clients' unique situations and goals. Gregory is committed to partnering with clients to work toward their immediate and long-term financial objectives. Outside of his professional work, Gregory has interests in art, outdoor adventures, puzzles, and running.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Cambridge since 2013 and serves as an independent insurance agent. Additionally, he is a board member director of NY Bio Healthcare Pvt Limited, a distributor of disposable medical devices. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

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. Merrill, together 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 been employed since 1997. She works with families, individual investors, and business owners to design and implement financial strategies aimed at achieving their specific goals. Jennifer collaborates closely with her clients and their other professional advisors, such as attorneys and CPAs, to develop comprehensive, goals-based financial plans. Her approach includes investments, asset allocation, education funding, home purchases, retirement planning, estate planning services, and philanthropy. Jennifer holds several professional designations, including the Chartered Retirement Planning Counselor (CRPC), Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her High School Diploma from Pompton Lakes High School. She is actively involved in professional organizations such as the Paterson Rotary Club No. 70 and the Pompton Lakes Chamber of Commerce and serves as an elected Councilwoman for Pompton Lakes Municipal Borough. Residing in her hometown of Pompton Lakes, New Jersey, Jennifer is a mother of two children, Paige and John Michael. She participates in community initiatives including Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, Pompton Lakes Woman's Club, and Soroptimist International - Passaic Valley Chapter. Her personal interests include competitive skeet shooting, cooking, traveling, water sports, and spending summers on Greenwood Lake.

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.

Amrik Singh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. 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 delivers services on a non-discretionary basis and combines large institutional advisory operations with multiple regulatory registrations.

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 a Series 66 designation and six years of industry experience. He has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2023. Outside of his advisory role, he is employed by BIG Messages, an answering service for doctors in northern New Jersey, where he manages communication between hospitals, patients, and physicians. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.