Richard Kalfayan Jr. is a financial advisor at J.P. Morgan Securities with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2009, including a role at JPMorgan Chase Bank, N.A. since 2021. J.P. Morgan Securities LLC 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 combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Joseph Silerto is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. He has 28 years of industry experience, including nearly two decades at Scottrade, Inc. prior to joining LPL Financial in 2019. His career also includes roles at National Securities Corp, National Asset Management, PRUCO Securities Corporation LLC, and the Prudential Insurance Company of America. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice and account management delivered through a large network of investment adviser representatives.

Michael Stefani is a financial advisor at Raymond James Financial with 22 years of industry experience. He has previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is also associated with Iron Ridge Wealth Management Group in a non-owner capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients, using tailored, non-discretionary planning supported by advanced analytical tools.

Christopher Mannino is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He earned his Bachelor's Degree from Virginia Polytechnic Institute & State University. Christopher follows a disciplined process that begins with taking the time to understand each client, their family, financial situation, and priorities. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He aims to build meaningful relationships to positively impact the lives of his clients. Outside of his professional practice, Christopher has personal interests in baseball, basketball, football, golfing, ice hockey, music, reading, spending time with his family, watching movies, and yoga.

Mehmed Halid Aygun is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His background includes roles at Provident Bank and Marathon Science School, as well as work in the jewelry sector. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Eileen Mclaughlin is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2007, with a brief gap, and has worked there for a total of 12 years. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Dina Delre is a financial advisor at Mass Mutual Investors Services with 30 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. since 2005. In addition to her advisory role, she operates as an independent insurance agent specializing in dental and group disability income, disability, property and casualty, fixed annuities, life, accident, health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved software to analyze client goals.

Barry Friedson is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial and has previously worked at Cetera, Allied Wealth Partners, and Minnesota Life Insurance Company. Friedson also engages in insurance sales involving non-variable insurance products. 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, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Peter Glover Jr. is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Chase Bank NA and J.P. Morgan Securities since 2016. 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.

Brian Teixeira is a financial advisor at Primerica Advisors with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors since 2013. Outside of his advisory role, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

David Giegerich Jr. is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as an Investment Consultant from 2023 to 2025 and as a Financial Representative from 2021 to 2023, all within Fidelity Investments. Before joining Fidelity, he worked as a Branch Ambassador at Capital One from 2018 to 2021. David's approach to financial consulting emphasizes building relationships based on trust and confidence through holistic financial planning. He focuses on understanding clients both personally and financially to develop tailored financial plans aimed at helping clients pursue their goals. He holds a California Insurance License. Outside of his professional work, David enjoys family activities, fitness, exploring food, hiking, visiting museums, and skiing.

Shakaib Tariq is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and four years of industry experience. His work history includes roles at Fidelity Investments, Elevated Capital Advisors, and several other firms. Outside the financial sector, he previously worked at Marcello’s Pizza. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 and discretionary investment guidance with multi-asset model portfolios and an established alternative investments program.

Vincent Ruzek is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager and Financial Representative at Fidelity Investments starting in 2022, and before that, he worked as a Financial Advisor at Northwestern Mutual from 2020 to 2022. In his current role, Vincent helps his clients and their families prepare and plan for their financial future by building financial plans aimed at simplifying their financial lives, protecting and growing accumulated wealth, and offering guidance on investment decisions. He emphasizes establishing ongoing relationships to provide financial services throughout various stages of his clients' lives. Vincent holds a California Insurance License. Outside of his professional work, Vincent has interests in fitness, football, movies, music, softball, and traveling.

Nancy Levy is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding a Series 63 designation and 42 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

David Rose is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Rose serves as trustee for multiple trusts related to investing lawsuit settlement proceeds and volunteers as a poll worker for the Morris County Board of Elections. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing proprietary capital market assumptions and research to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kathleen Joyal is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. She has been with Merrill since 1983 and is also associated with Bank of America since 2009. Outside of her advisory role, she serves as an executor in a fiduciary capacity. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

William Sullivan is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at UBS Financial Services Inc. for 14 years. Outside of his advisory role, Sullivan serves in a political capacity for Essex Fells Borough. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and government entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Dora Maltez is a Series 66-licensed financial advisor with 26 years of industry experience. She is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Michelle Janus is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and two years of industry experience. Prior to joining Mass Mutual in 2023, she worked in education and retail, including positions at Washington Township and Midland Park School Districts, Ulta, and Joe Trivia. She also operates an outside insurance business specializing in life, fixed annuities, disability, long-term care, and health 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 provides comprehensive financial planning, asset management, and educational seminars, utilizing collaborative, software-supported approaches to develop written recommendations tailored to client goals.

Thomas Gleason is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Cambridge in 2025, he worked with Equitable Advisors from 2022 to 2025. He is also a member of the Pennsylvania National Guard. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial wellness services. The firm provides a variety of investment solutions through independent Financial Professionals, utilizing both proprietary models and third-party strategies tailored to client objectives.