Allan Jones is a financial advisor with LPL Financial in Florham Park, NJ, holding a Series 66 designation and 27 years of industry experience. He has worked with Heritage Investment Partners, LLP since 2012 and previously held positions at PNC Wealth Management and Merrill. 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 range of financial planning and asset management services supported by advanced research and operational tools, and oversees over $819 billion in discretionary assets through a large network of advisors.

Dean Fisher is a financial advisor at UBS Financial Services with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Before entering the financial industry, he was involved in the hospitality sector, managing Lovey's Pizza and Grill and South Street Creamery and Cafe. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a broad platform that includes proprietary research and capital market insights.

Denise Pych is a financial advisor at Morgan Stanley with 30 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 1998. Denise holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs a structured planning process using firm-approved tools and manages approximately $2.74 trillion in client assets.

Tamara Costa is a financial advisor at Fidelity with 14 years of industry experience. She holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2018, as well as at The Law Office of James T. Elliott, LLC from 2014 to 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Nicholas Simmonds is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and bringing 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Bank, N.A. and Wells Fargo Advisors LLC from 2009 onward. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Scott Cirelli is a financial advisor with Ameriprise in Mount Arlington, NJ, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. He previously worked at Stifel Nicolaus & Co. Inc. for nine years before joining Ameriprise in 2020. In addition to his advisory role, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement planning supported by a centralized consulting team.

Thomas Pegel is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and NJ Claims Associates. Outside of finance, he has experience working in the hospitality and carpentry sectors. 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, pension plans, corporations, and charitable organizations.

Frank Minor III is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as executor for an estate and manages personal investments as a power of attorney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs and portfolio management services through a combination of in-house and third-party managers, with integrated capital markets and alternative investment capabilities.

Paul Pallo is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with RBC Capital Markets LLC since 2014. Outside of his advisory role, he reviews investments and helps monitor the health of a beneficiary for a family trust on a part-time basis. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm employs multiple investment managers and model providers, tailoring strategies to clients’ risk profiles and offering integrated capital markets and alternative investment capabilities.

Mitchell Dorfman is a CFP® professional with 44 years of industry experience, currently with Wells Fargo Advisors in Denville, NJ since 2009. He also serves as an assistant fencing coach at Randolph High School. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that offers a broad range of investment and financial planning services to individuals, trusts, and institutional clients, utilizing Wells Fargo research and planning tools to develop tailored recommendations.

Mohamed Ramadan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and worked at JPMorgan Chase Bank, NA from 2007 to 2018. Outside of his advisory role, he is involved in real estate as an owner and landlord. 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. The firm delivers advisory services alongside affiliated brokerage and investment management capabilities, with a non-discretionary program that retains clients’ final decision-making authority.

Lauren Ehlers is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 19 years of industry experience. Prior to joining Merrill, she was with Morgan Stanley and its affiliates from 2011 to 2019. Outside of her advisory role, she serves as a member of the Boonton Township Committee and the local Planning Board. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Loring is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001 and Bank of America since 2009. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Sabrina Persaud is a CFP®-designated financial advisor with 13 years of industry experience, currently with Morgan Stanley in Morristown, NJ. Her prior experience includes nine years at Merrill and Bank of America, N.A. She holds Series 63 and Series 66 licenses. 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 firm-approved tools and modeling techniques.

Marcia Geltman is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. She has previously worked with Avantax and 1st Global Capital Corp., and served as a partner at Nisivoccia LLP, a tax and accounting firm. Outside of advising, she is active in her community as an administrator and secretary of the Randolph Chamber of Commerce and serves as a trustee for The Growing Stage, a children’s theater organization. Cetera Investment Advisers LLC operates as a large multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services with access to affiliated and third-party managers across various program structures.

Brian Hess is a Senior Financial Advisor at Merrill Lynch Wealth Management. He partners with families, professionals, and business owners to create personalized financial plans and investment strategies tailored to their long-term goals. His approach emphasizes clarity, structure, and confidence in financial decision-making. Brian began his career in 2008 at UBS Wealth Management, where he held various client service, analyst, and leadership positions over 18 years. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, and portfolio management. He holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Fairfield University. Outside of his professional role, Brian is involved in his community through coaching youth lacrosse and serving on the Finance Advisory Council for the Church of Saint James in Basking Ridge. He is also the President of the West Point Island Civic Association in Lavallette, New Jersey. Brian resides in Basking Ridge, New Jersey, with his wife and their three daughters.

Craig Haddock is a Series 66 licensed financial advisor with UBS Financial Services, based in Florham Park, NJ. He has four years of industry experience, including prior roles at MassMutual NJ-NYC and teaching positions at Rutgers University and Nutley High School. UBS Financial Services serves individual, corporate, and institutional clients with a broad range of brokerage and advisory services, combining institutional trading capabilities with wealth management offerings to tailor investment plans based on proprietary research and model-based asset allocations.

Eric Wilson is a financial advisor with Primerica Advisors in Hackettstown, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at Primerica Financial Services, PFS Investments Inc., Darmstatter Inc., and Dynamic Engineering PC. Outside of advising, he serves as Vice President of WM. H. Wilson Enterprises, is Principal and President of Wilson Engineering PLLC, and manages SludgeHammerNJ, LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based investment strategies and a wrap-fee solution primarily for individual and high-net-worth clients. The firm curates third-party asset managers and oversees model implementation with a focus on percentage-based tiered fees.

Michael Kelly Jr. is a financial advisor with Raymond James & Associates holding a Series 66 designation and 10 years of industry experience. He previously worked at Morgan Stanley for eight years before joining Raymond James in 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Surabhi Sharma is a financial advisor with Primerica Advisors in Newton, NJ, holding Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Primerica Advisors, she held positions in the pharmaceutical and healthcare sectors, including roles at Sanofi Pharmaceuticals, Eli Lilly & Co, and the John Theurer Cancer Center. Primerica Advisors is a large institutional firm that offers 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 clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and provides custodial and trade execution support through Pershing.