David Schelhorn is a financial advisor at Private Advisor Group, LLC with 11 years of industry experience. He holds the Series 66 designation and has worked with firms including LPL Financial, Minnesota Life Insurance Company, Allied Wealth Partners, and Securian Financial Services. His activities include providing investment advisory services and selling fixed insurance products such as term life, universal life, whole life, long-term care, and fixed annuities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions including proprietary and third-party platforms. The firm employs a fiduciary-based advisory model and integrates technology to implement a range of investment strategies.

John Mcadoo is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones from 2015 to 2018. Outside of his advisory role, Mcadoo serves as an official for the New Jersey Wrestling Officials Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rafael Reynoso is a financial advisor at Charles Schwab with 30 years of industry experience. He holds the CFA® designation as well as Series 63 and Series 65 licenses. Prior to joining Charles Schwab in 2024, he worked at TD Ameritrade for 15 years. Charles Schwab & Co., Inc. serves primarily 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and comprehensive operational infrastructure.

Kelly Walsh is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley since 2019, with prior experience at UBS Financial Services Inc. from 2014 to 2017. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Rudenca Blloshmi serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, she helps clients develop personalized wealth management strategies tailored to their individual financial goals. She provides access to Merrill’s investment insights alongside the banking and lending solutions offered by Bank of America. Rudenca focuses on client areas including family wealth management, personal retirement planning, philanthropic planning, tax minimization, retirement income, special needs planning, managing new wealth, and women and wealth. Rudenca holds multiple professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She attended Pace University without earning a degree and conducts business in both English and Albanian. Rudenca is involved with the Global Albanians Foundation and enjoys baseball, biking, golfing, music, and photography in her personal time.

Michael Lindvall is a financial advisor with RBC Capital Markets in New York, NY, holding a Series 66 designation and eight years of industry experience. He has been with RBC Capital Markets since 2014 and previously served in the United States Army Reserve from 2005 to 2018. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations. The firm offers tailored investment strategies through a variety of advisory programs, combining in-house and third-party managers to meet diverse client needs.

Michael Pirozzi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and both individual and corporate investment strategy. Michael focuses on developing personalized financial plans tailored to each client’s goals and risk tolerance, aiming to help clients pursue their long-term objectives through customized wealth management approaches. Michael holds a Bachelor’s Degree from James Madison University. He is also a Personal Investment Advisor (PIA) and communicates fluently in both English and Spanish. Originally from New Jersey, he currently resides in Madison, NJ, where he has been an active community member for nearly fourteen years. Michael also dedicates time to volunteering with local organizations, reflecting his commitment to community involvement. Outside of his professional work, Michael enjoys a variety of personal interests including baseball, chess, cooking, football, golfing, ice hockey, skiing, spending time with his family, and tennis.

Nicholas La Torre is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked with Cetera and its related entities since 2024. Prior to his advisory role, he was employed as a data operations specialist at Malecki Financial Group, where he focused on data analysis and financial research. La Torre also served on the Roselle Park Board of Education for seven years and worked at Galloping Hill Golf Course. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various investment program options.

Robert Schiano is a Senior Financial Advisor with Merrill Lynch Wealth Management. He serves individuals, families, and corporate executives by providing wealth management services that integrate investment resources from Merrill and banking capabilities at Bank of America. Robert works collaboratively with clients’ attorneys and CPAs to address all aspects of their financial lives. Since joining Merrill Lynch Wealth Management in 2000, Robert has focused on developing personalized financial strategies tailored to his clients’ goals, risk tolerances, and time horizons. He begins each client relationship with a thorough information gathering and risk assessment process and provides ongoing reviews to ensure alignment with evolving objectives. His services include assisting retirees with 401(k) distributions, income planning, and legacy planning. Robert holds the Personal Investment Advisor (PIA) designation and earned his High School Diploma from Jonathan Dayton. He participates in the American Cancer Society’s annual Relay for Life and volunteers locally. A New Jersey native, Robert lives in Mountainside, NJ with his wife and two children. In his leisure time, he enjoys skiing and fishing.

David Bobrowsky is a CFP® certified financial advisor with 23 years of industry experience. He is currently with LPL Financial and previously worked at Morgan Stanley and Ic Advisory Services Inc. Bobrowsky also operates Alden Wealth Management LLC, a business related to his LPL activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Matthew Armendinger is a Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in creating personalized financial strategies to help individuals and families achieve their financial objectives. His areas of expertise include employee benefits planning, family wealth management, legacy planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Matthew earned his bachelor's degree from Fairleigh Dickinson University, where he was a collegiate athlete and remains actively involved through participation in the FDU Young Alumni Association. His community involvement extends to volunteering as a guest speaker for ALPFA NJ and contributing to the Lupus Foundation of America. Outside of his professional work, Matthew enjoys baseball, basketball, football, golf, reading, running, yoga, and spending time with his family.

Wallace Foster Jr. is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside a broad range of retail and institutional offerings.

David Posner is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 63 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Outside of his advisory role, he serves as an estate executor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and firm-approved tools, serving clients through both individual and corporate financial planning agreements.

Gregory Huether is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2018, following six years at J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary return estimates in its process.

Amanda Albaladejo is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked for Ernst & Young LLP for seven years. She has been with Fidelity and its related entities since 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management, fund advisory, and model portfolio delivery.

Sean Conley is a financial advisor at Morgan Stanley in Morristown, NJ, with three years of industry experience. He holds a Series 66 designation and has previously worked at Deloitte and Morgan Stanley Private Bank. 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, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Jorge Idrovo Fernandez serves as a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on helping individuals and families optimize their financial resources and develop strategic plans for the future. Jorge specializes in legacy planning, personal retirement planning, and portfolio management services. Through his work, he assists clients in building, protecting, and carrying their wealth forward by concentrating on what matters most to each individual. Outside of his professional responsibilities, Jorge has interests in baseball, boxing, dancing, football, soccer, and watching movies.

Kristopher Sykes is a CFP® with eight years of industry experience and has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked at AT&T for four years. Outside of his advisory work, he is co-founder of a media company called Success Fundamentals and co-owns a holding company as well as a farm, where he manages accounting operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management and a nationwide network of over 23,700 financial advisors. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Jeffrey Dickinson is a CFP® with 26 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities from 2009 to 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is president and senior partner of Force Financial Associates, LLC, where he provides financial education and workshops to institutional clients. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships with clients.

Leon Ferro is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 17 years of industry experience. His prior work includes roles at Standard Chartered Bank and Securian Financial Services. He serves on the advisory board of Samaritan Outreach Services, a nonprofit that provides support to disadvantaged and homeless men. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using multiple program structures and third-party managers.