Clifford Virgin III is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding a Series 63 designation and over 38 years of industry experience. His career includes positions at UBS Financial Services and City National Bank. He serves as treasurer for Friends of Montclair NJ Baseball and is a board member of The 100 Club of Montclair New Jersey, an organization supporting families of fallen public safety personnel. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering customized advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm utilizes a mix of in-house and third-party investment managers and provides integrated capital markets capabilities.

Mark Dzamba is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise since 2007 in various capacities. His other business activities include fiduciary services. 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 reliable income sources and tax-aware withdrawal strategies.

Michael Tomko is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 designations. Before joining Equitable Advisors in 2021, he worked at National Securities Corp from 2014 to 2020. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm uses a range of advisory models and third-party asset managers to deliver tailored investment solutions.

Scott Hunter is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high net worth individuals and families, offering long-term partnership to help steward wealth, navigate complex financial situations, and support client priorities over time. His approach focuses on building enduring relationships, applying comprehensive strategies that consider markets, risk, taxes, legacy, and family dynamics. Scott's role encompasses financial and cash flow strategy creation, portfolio construction and management, and guiding clients through significant financial decisions. Scott began his financial advisory career in 2001 after graduating from Rutgers University. He has worked at firms including Tucker Anthony and UBS prior to joining Merrill Lynch in 2008. He holds several professional designations including Certified Private Wealth Advisor (CPWA®), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also registered for Series 7 and 66 and holds a life insurance license. Outside his professional work, Scott lives in Morris County, New Jersey, with his wife and three children. He enjoys coaching youth sports, cooking, and volunteers as a CrossFit® Level 1 coach. He is involved in his local community through volunteer leadership and staff roles for Habitat for Humanity and the Park Youth Lacrosse Program.

Keith Schoch is a financial advisor with Equitable Advisors in Morristown, NJ. He holds Series 65 and Series 66 licenses and has 20 years of industry experience, including 15 years with Axa Advisors, LLC. Schoch has been with Equitable Advisors since 2005. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Robert Haderer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 1994 and specializes in wealth management and individualized portfolio development. As a Portfolio Manager, he manages his own Personalized or Defined Strategies on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus encompasses family wealth management strategies, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree in Commerce and Finance from Villanova University School of Business and is designated as a Personal Investment Advisor (PIA). His approach to managing wealth is centered on understanding each client's complete financial picture to develop flexible and personalized financial strategies that align with their long-term goals. In addition to his professional responsibilities, Robert participates in community service by volunteering with local organizations, reflecting the Merrill tradition of community involvement.

Erin Burke is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with 14 years of industry experience. She previously worked at Lord Abbett from 2015 to 2018 before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Don Giovanello Jr. is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors Inc. and Morristown Wealth Management. 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 portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and a broad non-advisory financial services network.

Robert Mrozek is a Planning Consultant at Fidelity Investments, where he collaborates with clients at various stages of their financial lives. He aims to help each client work toward their individual financial objectives by creating customized financial planning experiences. Robert has worked in the financial services industry since 2020. Prior to his current role, he was a Retirement Specialist at PGIM from 2022 to 2025, a Client Relationship Specialist at Charles Schwab from 2021 to 2022, and a Financial Services Representative at Merrill Edge from 2020 to 2021. He holds insurance licenses in Arkansas and California. Outside of his professional work, Robert has interests in baseball, beach activities, cooking and baking, football, and traveling.

Kevin Lanahan is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Signator Investors, Inc. for 22 years prior to joining OSAIC in 2018. He serves as a board trustee for the Mendham Area Senior Housing nonprofit organization. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm supports a range of investment programs through a multi-advisor platform and maintains a complex affiliate network and private-equity ownership.

Chris Ann Kavanagh is a financial advisor at Morgan Stanley with three years of industry experience. She previously worked at Wells Fargo Advisors for six years before joining Morgan Stanley in 2022. Outside of her advisory role, she is involved in sales and marketing for Rodan & Fields, an online retail business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Charles Levine is a financial advisor with UBS Financial Services in Florham Park, New Jersey, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.

David Wallman is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Morgan Stanley, he worked at Loyola University Maryland and Lawrence Avenue Medical. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and Corporate Financial Planning agreements.

Christopher Bergman is a financial advisor with J.P. Morgan Securities in Madison, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Signature Financial Group, Cambridge Investment Research Advisors, PNC Wealth Management, and currently J.P. Morgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm integrates quantitative and qualitative research in its advisory process and maintains broader regulatory registrations that support its derivatives and commodities capabilities.

David Allegra is a financial advisor at Cambridge Investment Research Advisors with over 32 years of industry experience. He holds the PFS™ and Series 63 credentials and has been with Cambridge since 2016. Prior to this, he has operated his own CPA practice since 1992. Outside of his advisory role, he is an independent insurance agent and owner of a tax preparation and accounting services firm. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Mucahit Esenyurt is a financial advisor with Wells Fargo Clearing in Jersey City, NJ, holding Series 63 and Series 66 licenses. He has seven years of industry experience, including eight years at Wells Fargo Clearing and thirteen years with Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Elizabeth Padewski is a financial advisor at Merrill with 11 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at Raymond James Financial Services Advisors and Money at Work, LLC. 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 individuals, high-net-worth clients, institutions, and charitable organizations.

Lopamudra Bagchi Das is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes roles at Bank of America and CVS Health, and she has an academic background from the Institute of Management Technology CDL. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm integrates strategic and tactical asset allocation with options tailored for tax-sensitive investors.

Paul Morse Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, he worked at ADP for several years. He is also involved with Heritage Investment Partners, LLP, an investment-related business. 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, third-party asset management, and institutional platforms.

Michael Lozowski is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 46 years of industry experience. He has been with Merrill since 1980 and is also affiliated with Bank of America since 2011. Outside of his advisory role, he serves as a committee member of the Polish University Club of New Jersey, a non-profit organization promoting Polish culture and awarding scholarships. 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.