Nicolas Zolofra is a Financial Advisor Trainee at Merrill Lynch Wealth Management. In this role, he is developing his expertise in financial planning and wealth management. He holds the Chartered Retirement Planning Counselor (CRPC) designation, reflecting his focus on retirement planning strategies. Nicolas earned his Bachelor's Degree from The College of New Jersey. He is building his career in financial advisory services with a foundation in retirement planning credentials and a formal education background.

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.

James Miller is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at IC Advisory Services, Inc. and The Investment Center, Inc. for 17 years each. Miller serves as a board member of the Rotary Club of Cranford. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Wiener Nivose is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Primerica Advisors since 2016 and has additional experience at Primerica Financial Services and Nysdot. Outside of his advisory role, he is a co-owner of Fruit In Action LLC (Finact LLC), which provides assistance to people in Haiti. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure, maintaining oversight of its investment models and processes.

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 based in Warren, NJ. He holds Series 63 and Series 66 designations and has 32 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation and Beacon Financial Group. Outside of his advisory role, he operates a home-based business entity, Misra Enterprise Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at LPL Financial since 2018 and has concurrent roles with Invest Financial Corporation and Affinity Federal Credit Union. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Aarushi Pathak is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her previous roles include positions at JP Morgan Chase Bank, Prudential Insurance Company of America, and Pruco Securities LLC. She has been with Merrill and Bank of America since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, and institutions. The firm provides model-based and discretionary investment strategies constructed by internal and third-party teams, supported by comprehensive trade execution and account administration.

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.

Anthony Karabas is a financial advisor with Mass Mutual Investors Services, holding the Series 63 designation and bringing 37 years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2016. In addition to his advisory role, Karabas is licensed as an agent selling life, health, property and casualty, disability, Medicare-related products, fixed annuities, long-term care insurance, and group life insurance. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a structured, collaborative planning approach using analytical tools, offering various programs including investment management and educational seminars.

Michael Russo is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 credentials and has 35 years of industry experience. He has worked at Wells Fargo Advisors since 2016 and previously at Bank of America and Merrill from 2009 to 2016. Russo also owns the Mike Anthony Group and serves as trustee, executor, and power of attorney for several family members in investment-related matters. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk management, and specialized services such as business-owner transition and special-needs planning. The firm uses proprietary research and planning tools to develop tailored recommendations, which clients may implement through brokerage or advisory programs.

Vidhi Sonani is a financial advisor at Mass Mutual Investors Services with four years of industry experience. She holds the Series 66 designation and has worked at UBS and Kearfott Corporation. In addition to her advisory role, she is a licensed realtor with United Real Estate North Jersey, assisting clients with buying and selling homes. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented financial planning using firm-approved tools and offers event-driven planning programs including divorce and estate settlement services.

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.

Victoria Cann Kyne is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked within the Wells Fargo organization since 2010. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Rochelle Forster is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has been with Equitable Advisors since 2009 and previously worked at Axa Advisors. Outside of her advisory role, she is a member of Dergalis Associates, LLC. Equitable Advisors provides financial planning and retirement-plan support to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, offering access to asset management through LPL programs and third-party asset managers.

Kathleen Sheehan is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients by providing a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management, supported by proprietary research and institutional trading capabilities.