William Tarallo is a CFP® professional with 38 years of experience in the financial services industry. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as a managing member of a family-owned business, JOBILL & SONS ENTERPRISES, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored recommendations supported by proprietary research and planning tools, with services covering areas such as retirement, education, risk management, and specialized planning for business owners and other niche client needs.

Barbara Glatz is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eng Lian is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 66 and Series 63 designations. His prior roles include positions at Citizens Securities, HSBC Bank USA, CitiGroup, Firstrade Advisor, and TD Ameritrade. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, all operating under a fiduciary standard.

Krista Dugan is a financial advisor with Cetera who holds the ChFC® designation and has 12 years of industry experience. She has worked at Cetera since 2025, with prior roles at Avantax Investment Services Inc. and Ironpath Financial, among others. Dugan also serves as a Client Services Specialist at Michael S. Licitra, CPA, PC, where she supports client relationships and account maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

David De Cerbo is a Senior Resident Director and Wealth Management Advisor at Merrill, where he has been serving clients since 1998. In his role, he focuses on creating and managing wealth management strategies tailored to individual needs. He works with high-net-worth clients, closely held businesses, and leads efforts with foundations, endowments, and nonprofit organizations. His responsibilities include discretionary investment portfolio management, asset allocation, investment selection, and performance monitoring to help clients achieve their financial objectives. David holds a Bachelor’s degree from Rochester Institute of Technology and an MBA in Finance from Rutgers University. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Knights of Columbus. Residing in Metuchen, New Jersey, David is active in his community, serving on the board of the Metuchen Golf & Country Club and participating in the Knights of Columbus. In his personal time, he enjoys golfing and spending time with his family.

Michael Blutstein is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He was previously with Pruco Securities, LLC for 29 years before joining LPL Enterprise in 2024. Outside of advisory work, he is involved in Medicare Supplement Insurance commissions. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes a model-driven investment approach with access to third-party asset managers and offers financial planning, consulting, and insurance products through affiliated entities.

Sean Roarty is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 licenses. He has seven years of industry experience and has been with Wells Fargo Clearing since 2019, having worked at Wells Fargo Bank, N.A. since 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Magnita Kluvitse is a CFP® professional with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She holds the Series 66 designation and is based in Red Bank, NJ. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party resources.

Yasmeen Kassim is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. throughout her career. Outside of her advisory role, she is a co-owner of a family rental property business. 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. The firm offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Warenkiewicz is a financial advisor with Equitable Advisors, holding a Series 66 designation and 23 years of industry experience. He has worked with Equitable Advisors since 2006 and was previously associated with Axa Advisors, LLC until 2020. Outside of his advisory role, he serves as executor for the Estate of Edward Manley. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a network of Investment Adviser Representatives and a combination of proprietary and third-party asset management programs.

David Snyder is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Ameriprise in Cranford, NJ. He has been with Ameriprise and its affiliated entities since 2012. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis through a centralized consulting team and uses algorithmic automation alongside advisor input to generate tailored retirement recommendations.

Joseph Didario is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Morgan Stanley and Raymond James Financial Services Advisors Inc. Since 2017, he has also served as CEO of Didario Financial LLC, a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, corporate, and institutional clients, offering tailored, non-discretionary advice supported by analytical tools and a broad advisor network.

Brian English is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2007, including a brief period at Morgan Stanley in 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

John Schade is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. 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 and fund searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research with an ESG framework and includes broader derivatives and commodities capabilities.

Laura Beninato is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at Morgan Stanley, E*TRADE Securities, AXA Advisors, National Life Group, and Equity Services, Inc. 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 financial planning, asset management, wrap programs, and educational seminars, providing collaborative annual planning engagements supported by firm-approved analytical tools.

Keith Truex is a financial advisor with Edelman Financial Engines in Red Bank, NJ, holding Series 63, 65, and 66 credentials and bringing 28 years of industry experience. He previously worked at TIAA-CREF and TIAA from 2014 to 2022 before joining his current firm in 2022. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, offers sub-advisory services, and supports a large client base through advisor-led and online platforms.

Michelle Lindquist is a financial advisor at Merrill with 15 years at the firm and eight years of industry experience. She holds the Series 66 designation and is based in Iselin, NJ. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and various types of organizations.

Gloria Fox is a financial advisor at Fidelity with Series 63 and Series 65 licenses and 19 years of industry experience. Her prior roles include positions at Wells Fargo Clearing Services and Bankers Life before joining Fidelity. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios incorporating mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Michael McGuire is the Vice President and Branch Leader at Fidelity Investments in Manalapan, New Jersey. In his role, he leads and coaches financial planning teams, focusing on comprehensive planning and client collaboration. His approach aims to provide an informative, warm, and approachable experience for clients. Since 2020, Michael has served as the Branch Leader, guiding his teams in delivering financial planning services. Further details about his education, credentials, or personal interests have not been provided.

John Kanouse is a financial advisor with Charles Schwab in Red Bank, NJ, holding CFP®, Series 63, and Series 65 designations. He has 16 years of industry experience, including roles at Bank of America, Merrill, and National Securities Corp. His current tenure at Charles Schwab began in 2019 across multiple Schwab entities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, providing a mix of non-discretionary advice and access to discretionary separately managed accounts. The firm operates at large scale with integrated advisory, brokerage, and custody services supported by centralized infrastructure.