Michael Donahue is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he manages a privately held investment-related entity and assists with financial matters for a family member. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including plan benchmarking and participant education.

Lawrence Sailer is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management in Wayne, New Jersey. With 44 years of experience at Merrill Lynch, he specializes in college education planning, managing new wealth, and retirement income strategies. His approach focuses on developing personalized financial plans that reflect clients’ unique goals and priorities, aiming to simplify the complexities of investing. Lawrence holds a Bachelor of Arts degree in Psychology from Jacksonville University and is a Personal Investment Advisor (PIA). He resides in Kinnelon, New Jersey with his wife, Leslie. Outside of his professional work, Lawrence enjoys golfing, spending time with his family, traveling, and is actively involved in his church community.

William Banulski is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and over 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates its services with the broader Bank of America platform, providing access to a wide range of financial products.

Sabrina Abdelaaty is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including TD Ameritrade, Tapfin/EY, Hightower Financial Principles, and Sax Wealth Advisors. Charles Schwab serves a large client base, 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 investment guidance with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Megan Cooney is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Aprigliano is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at JP Morgan Securities, LLC and JP Morgan Chase Bank from 2016 to 2022, as well as at Wells Fargo Advisors and Wells Fargo Bank from 2015 to 2016. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated within Bank of America’s broader platform.

Jonathan Polanco is a financial advisor with MassMutual Investors Services based in Bronx, NY, holding Series 63 and Series 66 registrations. He has 11 years of industry experience, including roles at JPMorgan Chase Bank and JPMorgan Securities LLC. Outside of his advisory work, he owns a real estate business, Polanco Wealth Strategies Inc. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations, offering financial planning, asset management, and educational seminars.

Theodore Agelis Jr is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 registrations and with 18 years of industry experience. He has worked at PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. He is also involved in the sale of loan products and home security services through affiliates of PFS Investments Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices and delivers advisory services using model-based strategies supported by third-party asset managers.

Chris Fiorenzi is a financial advisor at Mass Mutual Investors Services with 35 years of industry experience. He holds a Series 63 designation and has worked in the financial services sector since 1989, including roles at Sun Financial Group, MetLife Securities Inc., and Massachusetts Mutual Life Insurance Company. In addition to his advisory work, he operates as an independent insurance agent specializing in disability, fixed annuities, life, accident, health, and long-term care insurance. 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, and educational seminars, using firm-approved tools to develop tailored financial strategies.

Kevin Fay is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 65 credentials. He has 34 years of industry experience, including 12 years at Oppenheimer prior to joining Wells Fargo Clearing in 2020. He also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Lori Sackler is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets. Outside of her advisory role, Lori is the creator and host of a radio show and author of "The M Word," a book she continues to develop, and she serves on several nonprofit and community boards, including the Martha Graham Dance Company and the New Jersey Israel Commission. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning through structured discovery and firm-approved tools, with approximately $2.74 trillion in client assets under management.

Edgar Lee is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2006 and previously worked at Axa Advisors, LLC until 2020. Outside of his advisory role, Lee is involved in healthcare-related business activities, including work with a general agency for health care and insurance brokerage. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Jon Salmanson is a financial advisor at Cambridge Investment Research Advisors with 42 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Cantella & Co., Inc. and Northeast Securities, Inc. He is also president of Hubble Wealth Management, a financial services firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement plan advisory through a network of independent financial professionals.

Michael Carbone is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. Prior to this role, he gained over eight years of experience in the financial technology and real estate sectors, which equipped him with a comprehensive understanding of customer needs and modern investment opportunities. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, special needs planning, and retirement income. Michael approaches wealth management with a thoughtful and forward-looking perspective, emphasizing personalized guidance. He works closely with individuals and families to understand their unique situations and priorities, such as retirement planning, business opportunities, and long-term wealth building. He develops customized strategies utilizing the resources of Merrill and Bank of America, maintaining active engagement to provide ongoing guidance and adjustments as clients' circumstances evolve. Born and raised in the tri-state area, Michael holds a bachelor's degree from the University of Scranton and has earned the Personal Investment Advisor (PIA) designation. He resides in Essex County with his wife and enjoys engaging in his community, improving his golf game, and spending time with his family.

Thomas Mc Cullum is a financial advisor with Merrill, holding Series 66 and Series 63 registrations and 22 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith since 2019, previously spent two years at Stifel Nicolaus & Co., and sixteen years at David Lerner Associates. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm integrates its investment services with Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Kyle Hanselman is a CFP® professional with 14 years of experience in financial services. He is currently affiliated with Raymond James Financial and also works with Saddle River Financial Group. Prior to this, he spent over a decade at Park Avenue Securities and Guardian Life Insurance Company of America. Outside of his advisory role, he is involved in wedding sales and operations at Crossed Keys Estate. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, with a distinctive focus on advisory and implementation support rather than discretionary management.

Ivana Lotoshynski is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial. She previously spent 13 years with NEXT Financial Group. Her outside activities include operating a business called People Wealth Matters in connection with her LPL role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research.

Scott Aber is a financial advisor with Cetera, holding a Series 63 designation and 25 years of industry experience. He is also the owner of Scott M. Aber CPA PC, providing accounting and tax services since 1998, and serves as president of Bookkeeping Chef Inc., an online bookkeeping business. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Gregory Guss is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2020, initially serving as a Financial Consultant before advancing to his current role. Prior to joining Fidelity, Gregory was a Senior Financial Planner at The Ayco Company from 2012 to 2019. His professional experience spans over a decade in financial planning and wealth management, focusing on developing tailored financial plans that address clients' unique situations and goals. Gregory is committed to partnering with clients to work toward their immediate and long-term financial objectives. Outside of his professional work, Gregory has interests in art, outdoor adventures, puzzles, and running.

Matthew Dellamura is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has previously worked at Le Chateau, M&T Bank, Instacart, and Villa Barone. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with formal advisory roles to multiple registered investment companies.