Michael D'antico III is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds the Series 66 and Series 63 licenses. Prior to joining Thrivent, he held positions at the State of New Jersey, County of Somerset, and Atlantic Ambulance Corp. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients. The firm focuses on holistic, goal-based financial planning and offers clients the option to combine planning with managed-account services under a consolidated billing program called WealthPlan.

Audra Lisoski is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Additionally, she is a New Jersey Notary Public. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and various insurance and trust-related services.

Shivani Desai is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Summit, NJ. She has two years of industry experience, including prior roles at JPMorgan Chase Bank, N.A. and JP Morgan Chase & Co. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting.

Linda Yu is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She has worked at LPL Financial since 2025 and previously operated Linda M. Yu, CPA LLC, providing tax preparation and accounting services since 2022. Outside of advising, she owns Yu's Black Belt Institute, Inc., a business unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services delivered through a large network of advisors utilizing various portfolio strategies and third-party resources.

Michael Merlo is a financial advisor with Wells Fargo Clearing in Bedminster, NJ, holding a Series 63 designation and bringing 53 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as treasurer for the Kiwanis Club in Linden, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm leverages research and analytics to provide diversified investment solutions and operates with a large network of over 14,000 financial advisors.

Marco Rita is a financial advisor with Raymond James Financial in Somerville, NJ, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes 12 years at PNC Investments and ongoing roles at Fulton Bank and Raymond James Financial Services, Inc. Outside of his advisory work, he is involved in rental real estate ownership. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through unique affiliations and specialized advisory programs.

Inderjit Singh is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2006. He specializes in structuring customized financial strategies and investment programs aimed at helping clients achieve their retirement, college, and estate planning goals. Inderjit brings extensive experience in assisting individuals through periods of financial transition, particularly those nearing retirement or changing jobs, addressing the complex decisions involved in managing retirement plans. Inderjit holds a Bachelor's and Master's degree in Finance from California State University, East Bay. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Investment Management Analyst (CIMA) designation and Personal Investment Advisor (PIA) certification. Utilizing the resources available at Merrill Lynch, Inderjit also works with small business owners in areas such as retirement planning, financing, and cash management. Residing in Princeton, New Jersey with his family, Inderjit is involved in the CrossFit community and enjoys listening to podcasts and audiobooks. He also participates in physical fitness activities and hiking with his family. He is fluent in English, Hindi, and Punjabi.

Allan Sanford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in August 2000, following over eight years of service in the United States Army and the management of a radiology group. Allan specializes in working with clients to develop individualized asset allocation strategies aligned with their financial goals. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Allan holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Allan earned his high school diploma from Vernon Township High School and holds an associate’s degree from the American College of Radiology. He is a life member of the Disabled American Veterans and the Veterans of Foreign Wars and has served as an Ambassador for the Newark Regional Business Partnership and as President of the Franklin Lakes Chamber of Commerce from 2000 to 2004. Allan resides in Pittstown, New Jersey, and his personal interests include fishing, football, golfing, hiking, photography, spending time with family, and traveling.

Jessica Granier is a financial advisor at Merrill with five years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, with prior roles at Sanctuary Securities, Sanctuary Advisors, and Ameriprise Financial Services. Earlier in her career, she was employed at The Marina at Oceanport and Monmouth Rubber and Plastics Corporation. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Pennell is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual and Samuel Klien and Co. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frederick Sylvester is a Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as a Financial Consultant at Fidelity Investments from 2022 to 2026. Before joining Fidelity Investments, Frederick was a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. In his professional practice, Frederick focuses on understanding each client's unique situation and works to educate clients on developing goals and strategies for their personal visions of success. He emphasizes planning and collaboration to help clients identify and work toward financial goals with purpose and stability. Frederick holds a California Insurance License. Outside of his professional role, Frederick has interests in baseball, beach activities, football, golf, and food.

Gregory Bielat is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with UBS since 1991. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Rugmini Padmakumar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 15 years. She holds a Series 66 designation and serves as a board member for the charitable organization Mantrah. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including educational seminars and event-driven planning such as divorce and estate settlement.

Anthony Cavallo is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 65 credential and has worked at Cetera since 2011. In addition to his advisory role, he operates a legal and tax planning practice as an attorney and CPA. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers.

Stephen Council is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2010. Outside of his financial advisory role, he owns PBD Productions, a photography and videography business, and serves as an officer for The Positive Community Magazine, where he helps deliver magazines to churches. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Its advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations, and the program includes derivatives and commodities capabilities not commonly found in similar institutional advisory programs.

Matthew Osman is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2010. Outside of his advisory role, Osman is involved with the Shimon D. Sarah Birnbaum JCC and Match Fit Academy. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Fano is a Series 66-licensed financial advisor with LPL Enterprise, LLC and has one year of industry experience. Prior to joining LPL Enterprise in 2026, he held roles at Aflac, Cornerstone Financial Associates, and worked in education from 2016 to 2025. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, third-party asset manager access, and affiliated insurance and trust services.

Thomas Cannizzo Jr. is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 15 years of industry experience. His prior roles include positions at Allied Wealth Partners, Minnesota Life Insurance Co, Securian Financial Services Inc, and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions through a large network of advisors.

Gregory Kizelevich is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2016, following seven years at UBS Financial Services and three years at Citigroup Global Markets. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Falco is a CFP® professional with five years of experience in financial advising, currently with Ameriprise Financial Services LLC. Prior to joining Ameriprise, he worked for five years at Primerica Financial Services/Primerica Advisors. Outside of finance, he is a full-time teacher with Montgomery Township School District and is the owner, director, and coach at Garden State Basketball Academy LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.