Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial relationships.

Douglas Fischer is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience, previously working at UBS Financial Services Inc. and US Bank. Before entering the financial industry, Fischer worked in education at Rutgers University and Morris Knolls. 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 strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Danielle Furze is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, Furze serves on the finance committee of the Girl Scouts of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Ernesto Marques is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of advising, he is the owner of ARA Marketplace LLC, an e-commerce retail business. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Anthony Browne is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has worked at Merrill since 1998 and Bank of America since 2009. Outside of advising, he is an investor and general partner in a restaurant business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Louis Zaccaro is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. Prior to joining Osaic in 2024, he worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he owns and operates Zaccaro Wealth Management and Zaccaro Tax Planning, providing insurance products and tax preparation services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services using advanced asset-allocation tools, multiple investment platforms, and access to third-party managers to support both discretionary and non-discretionary portfolio management.

George Zaki is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to connect all aspects of their financial lives and help prioritize and pursue the goals that matter most to them. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. George's expertise encompasses a broad range of client focus areas including institutional and corporate benefit services, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. His advisory philosophy emphasizes working together with clients to uncover what matters most to them and their families and create strategies to pursue their financial goals. He holds a Bachelor's Degree from Ain Shams and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his personal time, George enjoys basketball, biking, fishing, music, photography, reading, running, soccer, swimming, and spending time with his family.

Robert Marrone is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. His career includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank. Outside his advisory work, he serves as Vice President of the Marlboro Dance Team Booster Club, assisting with fundraising and parent communications. 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, offering both model-based and discretionary investment strategies for a wide range of clients including individuals, pension plans, corporations, and charitable organizations.

Eric Ramm is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining Charles Schwab in 2022, he spent 11 years at TD Ameritrade in various roles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Brian O'Connor is a financial advisor at Morgan Stanley with 35 years of industry experience. He has worked at Morgan Stanley and its affiliated private bank since 2017, and has prior experience with Bank of America and Merrill. O'Connor holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Edward Book Jr. is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to his advisory role, he worked at L’Oréal USA and Mondelez, and he serves in the Air Force. He is involved in the sale of investment and loan products through affiliated companies and participates in non-investment referrals related to home security and automation. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports client accounts through BNY Mellon Advisors and Pershing custody services.

Kevin Foord is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct individual plans and Corporate Financial Planning agreements.

Paul Gabbianelli is a financial advisor with LPL Financial based in Franklin Lakes, NJ. He holds Series 63 and 65 licenses and has 32 years of industry experience. His prior career includes 18 years at Cetera and operating Paul Gabbianelli & Associates for over four decades. Gabbianelli is also involved in tax preparation and mortgage services through other business activities. 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 portfolios, third-party asset management, and institutional platforms.

Brian Cain is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services. He has been with Raymond James & Associates since 2020. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal clients, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

James Hammer is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation. Outside of his advisory role, he conducts non-variable insurance and annuity sales and serves as successor trustee for a family trust. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios, supporting both discretionary and non-discretionary account management.

Anthony D'Alessandro is a Wealth Management Planning Consultant at Fidelity Investments, where he is part of the Private Wealth Management team. In this role, he focuses on providing financial planning services to high net worth families. He has been with Fidelity Investments since 2017, beginning as a Financial Representative and progressing through roles including Relationship Manager and Planning Consultant before his current position. Prior to joining Fidelity, Anthony worked as a Financial Consultant at Laidlaw & Company Ltd. from 2015 to 2017. Outside of his professional responsibilities, Anthony has interests in board games, cars, golf, pets, snowboarding, and traveling.

Valerie Vinbaytel is a financial advisor at Raymond James & Associates with 16 years of industry experience. She has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. She holds Series 63, Series 65, and Series 66 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

Jerry Wade is a financial advisor at LPL Enterprise with 21 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior roles include positions at Mass Mutual Investors Services, Metlife Securities Inc., and The Prudential Insurance Company of America. Wade also operates On Point Strategic Planning, LLC, a veteran-owned business. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, offering access to third-party asset managers and participation in wrap programs, and it also facilitates insurance product sales and affiliated trust services.

Thomas Kingsley is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior work includes roles at Bloomberg Tradebook, Guidepoint, Alphasights, Third Bridge, Gerson Lehrman Group, and Telk Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is noted for its use of algorithmic methods and formal advisory roles within Fidelity’s institutional wealth platform.

Arthur Katz is a financial advisor with OSAIC in Paramus, NJ, holding a Series 63 designation and 38 years of industry experience. He previously worked at Lincoln Financial Advisors Corp for 27 years before joining OSAIC in 2025. Besides his advisory role, he is also engaged as an insurance agent offering accident, health, disability income, and traditional life insurance products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using asset-allocation tools, risk assessments, and access to multiple investment platforms and third-party managers.