Raywattie Persaud is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2010. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Gabor Nagy is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Commonwealth Financial Network for 12 years. Nagy is also the CEO of Mendham Wealth Partners, LLC, where he provides wealth management services and fixed life insurance and annuities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to help clients meet their financial goals.

William Narduzzi is a financial advisor with Cetera, holding the ChFC® designation and over 38 years of industry experience. His career includes roles at Metlife Securities, Mass Mutual Investors Services, and Securian Financial Services. Outside of his advisory work, he serves as a trustee volunteer for St. Johns Roman Catholic Church. Cetera Investment Advisers LLC supports a nationwide network of independent advisors and serves individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Thomas Thives is a financial advisor with Stifel in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Wells Fargo Advisors and Wells Fargo Clearing before joining Stifel Nicolaus & Co. Inc. in 2018. Stifel serves a broad range of clients, including individual, institutional, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Cheryl Busacco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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, serving as an ERISA fiduciary and including a broad range of financial product options beyond typical institutional advisers.

Lily Domanski is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Morgan Stanley since 2014. 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 conversations and advanced modeling tools.

Xueping Crispo is a financial advisor at Merrill with 8 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Bank of America and Merrill 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 strategies using both internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Dartnell is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at firms including Avantax and 1ST Global Advisors. In addition to his advisory role, he is a partner at Nisivoccia LLP, a certified public accounting firm, and is involved as an owner and investor in Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures and custodial relationships.

Matthew Turo is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at Delphi Wealth Management, Northwestern Mutual, and &PARTNERS. He also has experience working in educational settings and a retail business, Upmerch. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-sponsored financial planning agreements.

Michael Colledge is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and specializes in wealth management, financial planning, and portfolio advisory services. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, and individual and corporate investment strategy. Michael holds a Bachelor's Degree in Economics from Dickinson College and has certification in Financial Management from the Donald T. Regan School of Advanced Financial Management. He has also completed specialized executive training programs at the University of Pennsylvania's Wharton School of Business. Michael has been recognized on the Forbes "Best In-State Wealth Advisors" list multiple times, including consecutively from 2019 through 2026. He holds the professional designation of Personal Investment Advisor (PIA) and has been involved with the Villanova University School of Business Finance Department as a member of its Past Advisory Council. Outside of his professional career, Michael is involved with the Lumen Institute. He resides in Denville, New Jersey, with his wife, Alicia, and their two daughters, Victoria and Madeleine. His personal interests include adventure sports, football, golfing, music, singing, spending time with family, and traveling.

Cameron Evans is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and with 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Cantor Fitzgerald & Co., DB USA Core Corporation, and Deutsche Bank Securities Inc. He has been with Morgan Stanley since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Robert Rooke Jr. is a financial advisor at Raymond James Financial with 46 years of industry experience. He holds a Series 63 designation and has been associated with Raymond James Financial Services Advisors Inc. since 2013. Outside of his advisory role, he serves as the executor settling his father's estate and is the owner of a support company, Broad Arrow Limited LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm uses risk profiling and analytical tools to provide tailored, non-discretionary planning and consulting and supports various advisory programs as well as municipal and public finance work.

Anthony Perruso Jr. is a financial advisor with Wells Fargo Clearing in Rockaway, NJ, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he is a musician who performs at various venues. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in their investment menus.

Gregory Gioe is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial strategies that reflect their unique goals and aspirations. He has been with Fidelity since 2022, progressing through roles including Central Relationship Manager and Investment Consultant before becoming a Financial Consultant in 2026. Prior to joining Fidelity, Gregory worked as a Financial Advisor at Eagle Strategies LLC and as a Financial Services Professional at Equitable Advisors. Throughout his career, Gregory has focused on helping clients navigate the complexities of financial planning by providing tailored guidance and support. Outside of his professional work, he has interests in bowling, fitness, military service, outdoor adventures, and running.

Benjamin Burklow is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 19 years of industry experience. Prior to joining Raymond James in 2026, he worked for Ameriprise Financial Services, LLC for 20 years. He is president of Burklow & Burklow LLC, a financial planning business focused on operations, staffing, and training. Burklow also serves on the board of directors for the Shiloh Board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, with notable offerings in municipal advisory and SIMPLE IRA employer consulting services.

Mike Reiss is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He previously worked at Morgan Stanley Wealth Management for 11 years before joining J.P. Morgan in 2023. In addition to his advisory role, he is also employed by JPMorgan Bank, where he can offer bank deposit and credit products. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michael Gollenberg is a financial advisor at Thrivent Investment Management with 17 years of industry experience. He has been with Thrivent Investment Management since 2009 and Thrivent Financial for Lutherans since 2010. He holds Series 63 and Series 66 designations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers a broad range of topics and allows clients to integrate planning with managed-account programs while maintaining separate service structures.

Victor Delorenzo is a financial advisor at LPL Financial with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Ic Advisory Services, Inc., The Investment Center, Inc., and Planned Strategies, Inc. In addition to his advisory role, he is involved in insurance through Victor T. DeLorenzo Insurance LLC and Planned Strategies, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, supporting both discretionary and non-discretionary management with access to LPL Research, third-party subadvisors, and various portfolio management options.

Frank Pavese is a Certified Financial Planner (CFP®) with 28 years of industry experience. He is currently with Wells Fargo Clearing Services LLC, where he has worked since 2019, following a four-year tenure at UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Carolyn Ottenbreit is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Sparta, New Jersey office. She holds the CERTIFIED FINANCIAL PLANNER® professional designation and serves a select group of affluent clients, including current or retired corporate executives and professionals. Carolyn joined Merrill in 1986 and transitioned to the Private Client Group in 1996 after ten years in corporate finance. Carolyn's expertise encompasses managing all aspects of clients' finances and investments, offering services such as retirement planning, estate planning, tax minimization strategies, philanthropic planning, portfolio management, and retirement income planning. She leverages the global resources of Merrill and collaborates with specialists and clients' tax and legal advisors to provide comprehensive financial strategies. Carolyn emphasizes financial education to foster a collaborative client-advisor relationship. She holds a bachelor's degree from Princeton University and a master's degree from The Wharton School at the University of Pennsylvania, where she concentrated in finance. Carolyn has also been actively involved in community organizations, having served as Past Chairperson of The SCARC Foundation, Inc., and Past President of the Newton Rotary Club in New Jersey. Her personal interests include cooking, reading, and traveling.