Neil Altshuler is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2022. His prior roles include positions at Securities America Advisors and National Planning Corporation. In addition to his advisory work, he is involved with BKC CPAs, PC, a tax preparation and accounting firm. 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 management solutions, including model portfolios, third-party asset management, and institutional platforms.

Michael Gagliotti is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera Investment Services LLC since 2007. Outside of his advisory work, he serves as treasurer for the Hillside Ave Historic District Association and is a director of the Save The Queen City nonprofit. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform that includes affiliated and third-party managers.

Martha Carrion is a financial advisor at Edward Jones with two years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Edward Jones, she worked at Goldman Sachs for eight years and spent four years at the Federal Reserve Bank of New York. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a nationwide network of financial advisors and branch offices.

James Buehler is a financial advisor at Wells Fargo Clearing with 48 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Marissa Greco is a financial advisor with Osaic, holding a Series 66 designation and bringing 10 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for 10 years. Outside of her advisory role, she is involved in several activities including operating an independent retail business, serving as a marketing strategist, assisting women through the divorce process as a Certified Divorce Financial Analyst consultant, and authoring a financial education book titled "Bottom Up Wealth." Osaic Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with a broad suite of advisory and brokerage services delivered through its multi-advisor platform.

Jason Mancini is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2014. In his role, he focuses on delivering wealth management strategies tailored to help clients pursue their financial goals through a personalized process. This approach begins with understanding clients’ priorities, followed by developing and executing customized savings and investment plans, with ongoing oversight and adjustments as needed. Jason’s professional background includes experience as a portfolio analyst and trader at a boutique investment firm in New York City. He holds a Bachelor's and a Master's Degree in Economics from Kent State University. His expertise encompasses a comprehensive four-pillar system involving assets, debt, trusts and estates, and banking solutions through Bank of America, N.A. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Residing in Westfield, New Jersey, Jason lives with his wife Amanda, their son Giuseppe, and their dog Pongo. Outside of his professional life, he enjoys running, hiking, reading, playing chess, and CrossFit. Jason maintains involvement in his community through participation with organizations such as Knights of Columbus and The Father's Heart Ministries.

Richard Wager is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Renegar is a financial advisor with UBS Financial Services in Princeton, NJ, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves as an executor for a personal estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of services supported by proprietary research and capital markets expertise.

Jonathan Gruca is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2002. 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, and institutional investors.

Harrison Hoyes is a CFP® and holds a Series 66 license with 18 years of industry experience. He has been with UBS Financial Services in Warren, NJ since 2013. Outside of his advisory role, he serves as treasurer on the board of the Academy for Certification of Vision Rehabilitation Education Professionals and is a partner at AccessAbility Officer, a digital accessibility firm supporting government clients, where he assists with strategic direction. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Robert Rafano is a CFP® professional with 24 years of industry experience, currently with OSAIC since 2020. He previously worked for Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he serves as a board member at large for the Monmouth Council Boy Scouts of America, focusing on community fundraising efforts. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

William Hipple is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing financial guidance in areas such as college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. William holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Wesley College. His professional focus is on helping clients develop strategies tailored to their unique financial goals.

Thomas Schulte is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes eleven years at First Empire Securities, Inc. and a year at E D & F Man Capital Markets Inc. 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.

Neda Sabbagh is a Financial Advisor with Merrill Lynch Wealth Management. In her role as a Merrill Financial Solutions Advisor, she works closely with clients to understand their priorities and develop strategies tailored to their short-, mid-, and long-term financial goals. Her services encompass a range of financial planning areas including general investing, retirement planning, and saving for unexpected events. Additionally, she facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Neda emphasizes building strong relationships based on trust and communication to provide ongoing advice and guidance as clients' needs evolve. She holds the Personal Investment Advisor (PIA) designation and has an educational background that includes a Bachelor's Degree from Northeastern University and a Master's of Business Administration (MBA) from the University of Massachusetts Boston. Outside of her professional activities, Neda enjoys various personal interests such as badminton, biking, interior decorating, music, reading, soccer, spending time with her family, swimming, traveling, and watching movies.

Ashley Frazier is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Citizens Securities, Inc. and JPMorgan Chase Bank, N.A. among other roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process includes written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Michael Spina is a Series 66-licensed financial advisor with Merrill in Princeton, NJ, with three years of industry experience. Prior to joining Merrill and Bank of America, he held various roles including multiple positions at Seton Hall University and community involvement such as coaching Kiddie Soccer. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frank Vigilante is a financial advisor with Merrill in Bedminster, NJ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Merrill since 2015 and has worked at Bank of America, N.A. since 2016. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Leah West is a financial advisor with LPL Financial in Lambertville, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She previously worked at Cadaret, Grant & Co. Inc. for 20 years and has been affiliated with Rivertown Financial, LLC since 2016. In addition to her advisory work, she facilitates estate planning as a home-based activity. 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 advisory and brokerage services with access to model portfolios, third-party asset managers, and institutional platforms, supporting investment strategies through a broad network of advisors.

Gregory Pace is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he held positions at LPL Financial, NYLife Securities LLC, Keller North America, and New York Life Insurance Company. He also spent 22 years with Local 825 Operating Engineers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning using structured discovery and firm-approved tools.

Christopher O'Grady is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2015 in various capacities and assumed his current role in 2023. He partners with individuals and families to create financial strategies aimed at avoiding common pitfalls before and throughout retirement. Prior to his tenure at Fidelity Investments, Christopher held positions as a Financial Advisor at Morgan Stanley and held senior roles in equity derivatives at NYC X-Change Financial Access LLC and Elevation LLC. He holds a California Insurance License.