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® with 23 years of experience in the financial industry. He is currently with LPL Financial and previously worked at Morgan Stanley and Ic Advisory Services Inc. He operates Alden Wealth Management LLC as a related business activity. 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 advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives and advanced operational tools.

George Grube is a financial advisor with RBC Capital Markets, holding a Series 66 designation and three years of industry experience. Prior to joining RBC in 2021, he worked in various non-financial roles including positions at A La Cart and Buffalo Wild Wings. Outside of his advisory duties, he is employed with Hudmed LLC, assisting in hospital sanitation, and contributes part-time to Grape Expectations, Inc., a private wine-related business. 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 advisory programs with discretionary and non-discretionary portfolio management, utilizing a combination of in-house and third-party investment managers to meet clients’ investment objectives.

Matthew Armendinger is a Financial Advisor at Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in helping individuals and families with various financial strategies including employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Matthew earned his Bachelor's Degree from Fairleigh Dickinson University and remains actively engaged with his alma mater through the Fairleigh Dickinson Young Alumni Association. His professional involvement extends to volunteering as a guest speaker with ALPFA NJ and supporting the Lupus Foundation for America, New Jersey Chapter. Outside of his professional work, Matthew enjoys baseball, basketball, football, golfing, reading, running, spending time with his family, and practicing yoga. He participates in activities such as running with his run club in Jersey City and competing in indoor golf leagues.

Wallace Foster Jr. is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following prior roles at Citigroup Global Markets and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools to support its advisory process.

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.

John Heintjes is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at Cetera, Bank of America, Merrill, and Wells Fargo Clearing. He operates JPH Wealth Management LLC, an investment-related business. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, using a variety of investment strategies supported by advisor-facing technology.

Ryan Carr is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, Credit Suisse, Citigroup, UBS, Bank of America Advisors, and Morgan Stanley. Outside of his advisory work, he serves as an officer for the Morristown Girls Soccer Boosters, where he helps organize team events and supervise practice sessions. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Erin Madonna is a Series 66-licensed financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones in 2023, she worked for seven years at Under Armour. Outside of her advisory role, she occasionally serves as a substitute yoga instructor at local studios. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies and affiliated services. The firm manages over $1 trillion in assets and is notable for its extensive advisor network and integrated offerings, including trust services and proprietary mutual funds.

Frank Heter III is a Series 66 licensed financial advisor at Merrill with six years of industry experience. Prior to joining Merrill, he held roles at Barnes & Noble and the Euro Futbol Academy. Outside of his advisory work, he is involved with Vocal, a website that offers cash prizes for writing competitions and compensates users based on story readership. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Robert Blocker is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. Prior to joining Cetera, he worked at Avantax in various capacities for more than two decades. He also operates a CPA practice focused on tax preparation and accounting. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts, offering portfolio management and financial planning through a multi-manager platform with access to various investment strategies and program structures.

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 is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping individuals, families, and business owners manage their financial needs and plan for the future. With 18 years of experience in banking and financial services, including 15 years dedicated to guiding clients through important financial decisions, he focuses on legacy planning, personal retirement planning, and portfolio management services. Prior to his current role, Jorge held positions at JPMorgan Chase as a Relationship Banker, Chase Private Client Banker, and Branch Manager. These roles provided him with extensive experience in banking, lending, investments, and relationship management, enhancing his ability to understand clients' unique circumstances and priorities. He holds both a bachelor's degree and a master's degree in accounting from Kean University, which supports his comprehensive understanding of financial factors affecting clients' financial situations. Outside of his professional career, Jorge enjoys traveling to explore different cultures and customs. He is also a longtime Yankees fan and maintains a family tradition of attending the team's Opening Day game each year.

Henry Liao is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise since 2005 and is involved in several nonprofit organizations, serving on the boards of Forefront and Foster the Family. He is also the founder of The Jubilee Experiment. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies. The firm’s approach includes a written Recommendation Report developed by a centralized service team, integrating investment research and third-party data to guide asset allocation and Social Security claiming options.

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 50 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Merrill. Outside of his advisory work, he is registered as a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with operational tools and a broad array of financial products.