Denis Walker is a CFP® with 24 years of industry experience, currently with Mass Mutual Investors Services since 2017. He previously worked for MetLife Securities from 2005 to 2017 and has been affiliated with MassMutual Life Insurance Co since 2016. Outside of his advisory role, he serves as a trustee for a family dynasty trust and is an independent insurance agent specializing in health, dental, vision, and fixed annuity products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-driven planning without discretionary investment authority.

Joseph Ramondini is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, Merrill, UBS Financial Services, and Morgan Stanley. He is based in Sparta, NJ. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mahi Haider is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he held positions at LPL Enterprise LLC and has experience in retail and information technology roles. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Sidharth Chadha is a Planning Consultant at Fidelity Investments, a position he has held since 2023. He previously worked at Fidelity Investments as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2020 to 2022. Prior to joining Fidelity, Sidharth was a Client Solutions Consultant at Vanguard from 2018 to 2020. Sidharth focuses on building and deepening strong relationships with clients to understand their unique needs, which allows him to assist clients in pursuing their financial goals. His approach involves gaining a thorough understanding of each client's distinct backgrounds, situations, and motivations to work together towards financial peace of mind and comfort. Outside of his professional role, Sidharth has personal interests that include fitness, spending time at the lake, movies, reading, and theater.

Brenda Titus is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her career includes roles at UBS Financial Services, Barclays Capital Inc., and J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Daniel Whritenour is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of finance, he has experience with small business ventures including ownership of All American Decks LLC and Tavern 5. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a select group of Wealth Advisors.

Sean Lynch is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2023, following a one-year tenure at The Vanguard Group. 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.

Robert Kane is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera and its affiliates since 2013. Outside of his advisory role, Kane is involved in selling fixed insurance products, including life, annuities, and long-term care insurance, through separate businesses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers through a multi-manager platform.

Carol Cooperman is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has been with Fidelity since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Carol focuses on helping individuals and families define and work toward their financial goals. She employs a consultative approach, partnering closely with clients to understand their priorities and deliver personalized financial planning. Her goal is to provide clients with financial peace of mind by guiding them through life changes toward their objectives.

J. Ronald Lynch Jr. is a financial advisor at Ameriprise with 45 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Stifel Nicolaus & Co. Inc. from 2014 to 2022. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Manitou Homeowners Association in Wayne, New Jersey. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining algorithmic modeling and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Frank Eberhart is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ic Advisory Services, Inc. for 19 years and The Investment Center for 22 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services through a wide network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Joseph Cupoli is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has worked at several firms including JPMorgan Chase Bank, J.P. Morgan Securities, Cetera Wealth Services, Fidelity Investments, and Securian Financial Services. Outside of finance, he worked at Uber Eats for two years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which includes ongoing advice and a written Recommendation Report focused on income sources and tax-aware withdrawal strategies.

Bernard Kashmann is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He has worked at RBC Capital Markets LLC since 2009 and City National Bank since 2016. Outside of his advisory role, he serves on the boards of a nonprofit camp and a synagogue, advising on operational and personnel matters. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles. The firm integrates in-house and third-party investment managers and offers access to alternative investments and specialized capital-markets capabilities.

Fiona Cullen is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, she held roles outside of finance, including positions at Java Love Coffee Roasting Company and Park West Tavern. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support customized investment solutions.

Scott Mack is a financial advisor with Stifel, holding a Series 66 designation and 23 years of industry experience. He has been with Stifel since 2007. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes a proprietary methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses based on forward-looking capital market assumptions.

Andrew Wayne is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within Wells Fargo-related firms since 2009. Outside of his advisory role, he is involved in several investment-related ventures, including ownership interests in multiple private investment entities. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options supported by Wells Fargo research and tools, with clients receiving tailored recommendations through meetings and written summaries.

Francis Jones Jr. is a financial advisor at Cetera with 24 years of industry experience. He holds the Series 66 designation and has worked with multiple firms, including Avantax and 1ST Global Advisors. In addition to his advisory work, he is a partner and CPA at Nisivoccia & Co., LLP, a public accounting firm where he has been active since 1981. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with various program structures and has over $256 billion in assets under management.

Lisa La Vecchia is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as Senior Vice President and team leader of LC & Associates in the Morristown office in Florham Park, New Jersey. She leads a multigenerational team that assists families in building, protecting, and transferring their wealth to people and causes important to them. Lisa's approach centers on personalized, comprehensive wealth management strategies tailored to each client's goals. With over 30 years of experience, Lisa has expertise in areas including retirement income, legacy and business succession planning, liquidity management, college education planning, family wealth management strategies, socially responsible and ESG investing, and small business strategies. She draws upon the investment capabilities of Merrill and Bank of America to support clients through financial life transitions such as retirement, inheritance, or business sales. Lisa is a Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She holds a bachelor's degree from Bucknell University. Lisa is actively involved in her community, serving as Board Chair and Chair of the Financial Development Committee for the Greater Somerset County YMCA and previously serving on the Executive Leadership Committee of the Merrill Lynch Northern NJ Women's Exchange. She has participated in fundraising for AIDS/Lifecycle and Make-A-Wish New Jersey. Outside of work, she enjoys biking, cooking, gardening, golfing, music, reading, spending time with family, watching movies, and practicing yoga.

Adam Greenstein is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. He has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory role, he owns and manages an S-Corp named SERA Edgewood Inc. 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 variety of financial planning and investment management services through a large network of advisors and employs both proprietary and third-party strategies across discretionary and non-discretionary accounts.

William Murphy is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. 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 options. The firm’s approach is driven by investment policy statements and modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.