Michael Di Giaimo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including NYLIFE Securities LLC, Eagle Strategies LLC, and Mass Mutual Life Insurance Company. 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 an ESG eligibility framework. The firm focuses on non-discretionary services delivered by a select group of Wealth Advisors.

Linda Godfrey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients achieve financial freedom and peace of mind through personalized wealth management strategies. Her approach involves educating clients to understand their investments and structuring portfolios that support both accumulation during working years and income strategies in retirement. Linda specializes in areas including personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. She holds a Bachelor's Degree from Colgate University and professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in Merrill Lynch Women's Exchange as President of the Northern New Jersey Chapter and is a contributing member of Phi Beta Kappa. Her community involvement includes volunteer work with the Center for Food Action, Make-A-Wish (Walk for Wishes), Ramapo Bergen Animal Refuge as a foster family member, and participation in United Way's Tribute to Women in Industry program. Linda is also fluent in French and English, with personal interests that include cooking, dancing, football, gardening, hiking, scuba diving, tennis, traveling, and writing.

Richard Gaba is a financial advisor with Cetera, holding a Series 66 designation and 30 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Cetera Investment Advisers LLC is a nationally registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Adam Pena is a Financial Advisor at Merrill Lynch Wealth Management, where he works with individuals, families, and business owners to simplify wealth management. He focuses on understanding clients' goals, family priorities, business interests, and legacy objectives to develop personalized strategies. His expertise includes wealth growth and preservation, retirement planning, education funding, tax-efficient strategies, and legacy planning. Adam holds the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree in Economics from the State University of New York System at Binghamton. Adam resides in Westwood, NJ, and enjoys spending time with his family, as well as participating in adventure sports, football, golfing, hiking, music, photography, running, traveling, and watching movies. He is also committed to giving back to his faith and community.

Dinesh Mahtani is a financial advisor with Primerica Advisors, holding Series 63, 65, and 66 designations and over 21 years of industry experience. He has been associated with PFS Investments Inc. since 2013 and Primerica Financial Services since 2000. In addition to advisory services, he is involved in selling loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven investment strategies managed by third-party asset managers and supports trade execution and custody through Pershing, focusing its services primarily on individual rather than institutional clients.

Deborah Richin is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 63 designation and bringing 27 years of industry experience. She has been with UBS since 2014. Outside of her advisory work, she serves as executor and administrator for multiple estates, working alongside attorneys and accountants to manage and distribute assets according to the respective wills. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

David Berntsen is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing 38 years of experience in the wealth management field. He specializes in family wealth management strategies, legacy planning, and portfolio management services. David works closely with clients to examine various financial documents and understand family dynamics to deliver tailored advice and guidance. Throughout his career, David has worked for an institutional bond broker and other prominent wealth management firms before joining Merrill in 2014 along with his team members. He holds a Bachelor's degree from Ramapo College and the Professional Investment Advisor (PIA) designation. A native of Allendale, New Jersey, David resides with his family in Chester, New York. His personal interests include sailing, biking, skiing, golf, and fly-fishing.

John Diaz is a financial advisor at Morgan Stanley with Series 65 and Series 63 designations and four years of industry experience. His prior work includes roles at Morgan Stanley Private Bank, Tommy Bahama, Capozzi Advisory Group, and INC Advisors. Diaz also has experience with the YMCA and studied full-time at the University of Rochester. 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, and manages approximately $2.74 trillion in client assets.

Matthew Perreault is a Financial Consultant at the Paramus, NJ Investor Center, where he works closely with local clients to provide guidance and education about their investments and their overall financial picture. He and his team focus on understanding each client's full situation and goals to help build comprehensive financial plans tailored to those objectives, aiming for successful outcomes and peace of mind. Matthew has held a series of roles at Fidelity Investments since 2021, including positions as Customer Relationship Advocate, Help Desk, Financial Representative, Relationship Manager, Planning Consultant, Investment Consultant, and currently as Financial Consultant. This progression reflects his broad experience within the company and the financial services industry. Outside of his professional career, Matthew has personal interests that include hiking, movies, music, outdoor adventures, pets, and soccer.

Jed Limmer is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and 17 years of industry experience. His prior roles include positions at Wedbush Securities, Wedbush Morgan Securities, D.A. Davidson & Co., and Onward Advisors. He serves as a consultant to Center 15 Capital, advising on strategy and business development for pre-IPO defense technology investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sam Rajguru is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Prior to joining Fidelity, he was involved with Ohm Shri Riddhi Siddhi. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Bryan Calderon is a financial advisor at Morgan Stanley with seven years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and Columbia Bank. Outside of finance, he is the owner of a local freight trucking business and serves as a consultant for a long-haul freight trucking company. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

John Hofman is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America, N.A. since 2018, with periods of unemployment in between. 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.

Nicholas Wisnovsky is a financial advisor at Fidelity with four years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Nylife Securities LLC, New York Life Insurance Co, and National Securities Corporation. Outside of finance, he serves as a deckhand for Jordi Sportfishing, a fishing charter based in New Jersey. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and engages in oversight of sub-advisers and evaluation of share classes, with notable activities including commodity pool operator registration and advisory roles for multiple registered investment companies.

Alexander Parisis is a Series 66-registered financial advisor with J.P. Morgan Securities, based in Ramsey, NJ. He has 10 years of industry experience, including prior roles at PNC Investments LLC and PNC Bank, N.A. He has been with J.P. Morgan Chase Bank and JPMorgan Securities LLC for the past eight years. 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 investment recommendations.

Jake Fletcher is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and three years of industry experience. His work history includes roles at Primerica Financial Services and Eversana Life Science Services LLC. Outside of his advisory role, he is involved in sales of loan products and home security referrals for affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily serving 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 nearly 3,700 advisors and offers model-driven investment strategies supported by third-party managers and custodians.

Charles Morgan is a CFP® professional affiliated with Raymond James Financial, with 27 years of experience in the financial services industry. He has been associated with Raymond James since 2008 and also operates CJM Capital Management, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Jonathan Philport is a financial advisor with Ameriprise Financial Services in Paramus, NJ, holding a Series 66 designation and 12 years of industry experience. His prior work includes roles at Merrill and UBS Financial Services. He is also employed through an LLC associated with Munn and Associates. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Paul Leesman is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1997. Leesman serves as Treasurer of the Boys and Girls Club of Hawthorne. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing tax-aware withdrawal strategies.

Theresa Rosa is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Morgan Stanley Smith Barney LLC for 16 years. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.