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.

Jonathan Sot is a financial professional at Cetera with one year of industry experience and holds a Series 66 designation. His prior roles include positions at the University of Notre Dame and RMR Group, as well as work in insurance sales. He is also involved in financial services through Allied Wealth Partners alongside his advisory duties. Cetera Investment Advisers LLC serves individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and various program platforms. The firm operates a multi-manager platform with access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Samuel Rosenbaum is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He is currently an advisor at Raymond James Financial and previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Morgan Stanley Smith Barney, and Stifel Nicolaus. Outside of his advisory roles, he has professional experience spanning educational institutions including George Washington University and Tulane University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and sponsors wrap-fee advisory programs alongside institutional consulting and portfolio management.

John Mooney is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Advisory Services and Wealthspring Financial Partners. Outside of his advisory work, Mooney serves as treasurer of the Blairstown Rotary Club, where he manages financial transactions and account reconciliation. Cetera Investment Advisers LLC is an SEC-registered adviser offering services through a nationwide network of independent advisors. The firm serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts, with a multi-manager platform that supports discretionary and non-discretionary portfolio management and financial planning.

Frederick Wright is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years before joining LPL Financial in 2022. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Thomas Brown is a financial advisor at Raymond James Financial with seven years of industry experience and a Series 66 designation. He previously worked at M Holdings Securities, INC. and Greenberg & Rapp Financial. Outside of his advisory role, he is involved with Eagle Rock Wealth Management, where he contributes to investment research, trading, and financial planning analysis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized capabilities in municipal finance and innovative retirement plan advisory services.

Kaitlin Ryan is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at various roles within JPMorgan since 2020. Outside of finance, she was involved in the hospitality industry through her work at 2nd Jetty Seafood Restaurant from 2017 to 2019. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kulvinder Kaur is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. She combines her understanding of market cycles with firsthand knowledge of family small business operations to provide tailored financial guidance and strategic solutions. Her expertise covers areas including college education planning, corporate executive services, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, liquidity management, managing new wealth, portfolio management services, and small business strategies. Before transitioning to wealth management, Kulvinder held director-level roles in institutional finance at firms such as AVM/Norfolk Markets, Swiss Re Financial Markets, and Westdeutsche Landesbank Girozentrale, focusing on interest rate and cross-currency derivatives. She earned a Bachelor's degree in International Business from Hofstra University and an MBA in Finance from Baruch College. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kulvinder is involved in community service and supports organizations such as Bonnie Brae and TAARA.org. She speaks English, Hindi, and Punjabi. Her personal interests include hiking, pickleball, reading, table tennis, tennis, and traveling.

Adetomilola Adeyemo is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 license with seven years of industry experience. Prior to joining Morgan Stanley in 2019, Adeyemo worked at Baldwin & Obenauf and CO OP Brand Partners. Outside of advisory work, Adeyemo is the owner of Hello August LLC, a real estate-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and strategies.

Glenn Evans is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to a diverse client base. His clients include corporate executives in pharmaceutical, technology, and real estate sectors, business owners, attorneys, medical professionals, widows, members of the LGBTQ community, and extended families across more than 20 states. Glenn’s approach centers on understanding each client’s unique goals and challenges, with an emphasis on planning-based wealth management and legacy strategies. Before joining Merrill, Glenn held senior corporate development and strategy roles at Fortune 500 companies and served as a mezzanine lender to middle market businesses. He holds an MBA from Harvard Business School and a Bachelor’s degree from Amherst College. Glenn’s professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, Chartered Retirement Planning Counselor (CRPC™) designation, and Certified Plan Fiduciary Advisor (CPFA™) designation. He is an Advisory Member of the Association of African American Financial Advisors and serves as a Trustee of The Kappa Guide Right & Scholarship Fund of Montclair, supporting leadership development and scholarships for local high school seniors. In addition to his advisory work, Glenn contributes as a pro bono consultant to nonprofit organizations focused on arts and education and participates in the Harvard Business School Club of New York Community Partners Initiative. He resides in Livingston, New Jersey, with his daughter and enjoys activities such as biking, hiking, running, swimming, photography, music, genealogy, and traveling.

Domenico Dimaio is a financial advisor at Equitable Advisors with 15 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and J.P. Morgan Securities. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutional investors, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates through program sponsors and third-party managers, providing a range of advisory and brokerage solutions.

Todd Shallcross is a financial advisor at RBC Capital Markets with 45 years of industry experience. He holds Series 63 and Series 66 designations and has worked at City National Bank since 2016, while maintaining a role at RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, with strategies tailored to clients’ risk profiles and a combination of in-house and third-party investment managers.

Vincent Pecora is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is listed as an officer of VMP AUTO INC, a used car sales business in New Jersey, though no active time is reported. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Davien Medina Centeno is a financial advisor with Primerica Advisors in Hackettstown, NJ, holding Series 63 and Series 65 licenses and four years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, he participates as a study participant with Clinilabs, Inc. and is an investor on the Fundrise online real estate platform. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers advisory services through model-based recommendations managed by unaffiliated asset managers and supports trade execution and custody via BNY Mellon Advisors and Pershing.

Eric Kohlmeier is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, previously serving at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Its 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.

Sean Mc Manus is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with healthcare professionals, including physicians, nurses, physician assistants, and nurse practitioners, to provide clarity around investing, retirement planning, and building long-term financial security. His approach involves collaborating one-on-one with clients to define their financial goals and develop portfolio strategies aligned with those objectives. Sean's expertise includes retirement planning, managing concentrated stock positions, Roth IRA and workplace retirement strategies, education planning, and assisting clients through major career and life transitions. He aims to help healthcare professionals make confident financial decisions so they can focus on their careers and responsibilities. He holds a Bachelor's Degree from the University of Delaware and the Professional Investment Advisor (PIA) designation.

Ryan Curran is a financial advisor with Mass Mutual Investors Services in Parsippany, NJ, holding the ChFC® designation and Series 63 license. He has seven years of industry experience and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2017. Outside of his advisory role, he is also an insurance broker with The Curran Group LLC, specializing in life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning and a range of investment strategies without discretionary management.

Kelly Oates is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 20 years of industry experience. She has worked at RBC Capital Markets since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, alongside integrated services such as financial planning, custody, and brokerage.

Robert Bernoskie is a financial advisor with Merrill in Summit, NJ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Bank of America and Merrill since 2009. Outside of his financial advisory role, he serves as a high school football official with the New Jersey Football Officials Association, a position he has held since 1993. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers.

Bernard Ventura is a financial advisor at LPL Financial with 43 years of industry experience. He previously worked at RBC Capital Markets for eight years before joining LPL Financial in 2020. Ventura holds a Series 63 designation and operates out of Gladstone, NJ. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.