Robert Lopinto is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2017. Prior to that, he was with Morgan Stanley and its affiliated entities for a decade. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet a net-worth threshold. The firm combines investment recommendations with planning tools and delivers services that can be implemented through brokerage or advisory programs on an optional basis.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Paul Ciavarella is a financial advisor with Cetera who holds Series 65 and Series 66 licenses and has 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, Forest Financial Group, Guardian, and Park Ave Securities. Outside of financial services, he is an independent contractor in the service industry and serves on the advisory board of the Wayne Lions Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of investment programs, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Zoltan Herskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the wealth management industry. He has been with Merrill Lynch for 20 years and currently serves as the head of investment management for the H&H Group, where he develops equity, fixed income, and alternative investment strategies. Additionally, Zoltan acts as the syndicate coordinator for the Wayne branch, overseeing the distribution of initial public offerings (IPO) and secondary offerings to Merrill clients within the branch. Zoltan holds a Bachelor's degree from Hofstra University with a focus on business. His areas of expertise include college education planning, services for defined benefit plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds multiple professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born in Ukraine and raised in Brooklyn, Zoltan has lived in New Jersey for the past 15 years. Outside of his professional role, he enjoys baseball, chess, and music.

Carl Boomhower is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® and ChFC® designations and carrying nine years of industry experience. He has worked previously with Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of advisory work, he serves as a board member and finance committee member for Oasis - A Haven for Women and Children, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and advanced analytical tools to support client goals across a large advisor network.

Endre Pady is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and having 36 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and Corporate Financial Planning agreements.

Brian Irving is a financial advisor at OSAIC with 48 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining OSAIC in 2024, he worked for 16 years at Triad Advisors, Inc. He is also the owner of Brybeck Financial, a financial planning and investment advising business he founded in 1985, and provides life insurance settlement services through Highland Brokerage. OSAIC serves a diverse range of clients including individual, high-net-worth, pension, corporate, and charitable investors through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to provide tailored portfolio management solutions.

Joseph Goscienski is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Donna Brower is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. Her prior experience includes roles at Allied Wealth Partners and Minnesota Life Insurance Company. She volunteers with the Parkinson Disease Foundation and is a member of the Parsippany Chamber of Commerce, serving on its membership committee. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Matthew Zambito is a financial advisor with LPL Financial, holding a Series 63 designation and over 33 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 1998 and has operated Zambito Financial Service Corp. since 1993. In addition to his advisory work, he is also a CPA and provides tax preparation and non-variable insurance services through his financial services firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and consulting services, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

James Lane is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera since 2010. In addition to his advisory role, Lane has worked at The Provident Bank since 2010. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Rodney Alvarado is currently serving as a Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he provides ongoing coaching and support to associates to ensure they deliver consistent, high-quality guidance to clients through a holistic planning approach. Prior to this role, Rodney held leadership positions including Regional Vice President at Mercer Advisors from 2022 to 2024, Market Director of Wealth at J P Morgan from 2020 to 2022, and Branch Manager at Charles Schwab from 2019 to 2022. He also has extensive experience as a Financial Consultant, having worked at Charles Schwab from 2011 to 2019 and at Fidelity Investments from 2004 to 2011.

Robert Holman is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities, Merrill, SVB Wealth Advisory, and Morgan Stanley. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and retirement plan consulting, utilizing a variety of asset-allocation tools and third-party solutions to manage portfolios.

Tiffany Carra is a financial advisor with Primerica Advisors in Oakland, NJ, holding her Series 63 and Series 65 credentials and bringing nine years of industry experience. Her prior work history includes roles at Theodore Agelis Jr. LLC, Dual Mark Inc., and PFS Investments Inc., among others. She is also involved in selling non-investment products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven strategies developed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Helen Sengor is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and concurrently at JPMorgan Chase Bank, N.A. since 2006. Sengor also operated Helen Enterprises from 2008 to 2016. J.P. Morgan Securities 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, distribution, and investment management capabilities.

Max Roy is a Series 66-licensed financial advisor with three years of industry experience. He is currently with Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB, having previously worked at UBS Financial Services, Inc., M&T Bank, Citibank, and also spent time with Club Z Tutoring and Bergen Community College. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains a distinctive integrated operational structure combining advisory, brokerage, custody, and cash-sweep services.

Debra Murawski is a financial advisor at OSAIC with 22 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Securities America Advisors, Inc. and Investacorp. In addition to her advisory role, she serves as a broker of record providing medical and life insurance solutions to individuals and small businesses. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to construct portfolios across various asset classes.

Vincent Lanfrank is a CFP® professional with 21 years of industry experience, affiliated with LPL Financial and The Astorino Financial Group, Inc. since 2004. He serves as treasurer for the nonprofit organization West Essex UNICO in Fairfield, NJ. 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 comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research support.

Shlomit Raviv is a financial advisor at Cetera with 12 years of industry experience and holds the CFP® and Series 66 designations. She previously worked with Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, she is involved as a member in a service industry venture called The Wisenheimers. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to a multi-manager platform that includes affiliated and third-party model portfolios and flexible program options.

Hugo Carvajal is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at MML Investor Services and MassMutual from 2008 to 2024. Outside of his advisory role, Carvajal serves as an officer for St. Michael's Basketball Association and Letip of Clifton, and he owns The Gemini and Scorpio Group LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.