Andrew Reiss is a financial advisor at Cetera with Series 65 and Series 63 credentials and no prior industry experience before joining the firm. He has been with Cetera since 2025 and also works with Gerald Reiss CPA, where he has been involved since 2015. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform that provides access to affiliated and third-party investment strategies.

Justin Gallagher is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and seven years of industry experience. His career includes roles at several firms such as The Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Gallagher is also involved in non-variable insurance activities related to Prudential. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is typically model-driven, offering access to third-party asset managers and participating in the Model Wealth Portfolios wrap program.

Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

W Doxey Jr. is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Merrill since 2008. He is also affiliated with Bank of America, N.A. since 2017. 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 strategies for individuals, institutions, and charitable organizations.

Eric Collier is a financial advisor with Cetera, holding Series 63 and Series 65 credentials. He has been with Cetera and its affiliates since 2025, following a brief tenure at KPMG. His professional experience in the industry is just beginning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing upwards of $256 billion in assets.

Eric Hayes is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Sanford C Bernstein & Co LLC, Lifetime Wealth Alliance LLC, and Mill Creek Capital Advisors LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research and incorporates ESG eligibility considerations, supported by affiliates that provide implementation and portfolio services.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank, and PNC Bank. Outside of his advisory role, he is employed as a Range Safety Officer at RTSP LLC, a gun range in Randolph, NJ. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Biebelberg is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. Prior to joining OSAIC in 2010, he worked at Merrill from 2002 to 2010. He is also a partner at Elite Wealth Group and involved in the sale of fixed insurance products through other business activities. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management strategies.

David Klics is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2007. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process integrates quantitative and qualitative due diligence and may incorporate an ESG eligibility framework.

Robert Imparato Jr. is a CFP® with 33 years of industry experience and has been with Equitable Advisors since 2000. Prior to the rebranding, he worked at AXA Advisors, LLC for 20 years. Outside of his advisory role, he serves as President of Clutch Hitting of Staten Island, Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a range of clients including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of investment models and third-party asset managers to tailor solutions for its clients.

Gregory Baro is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by a structured process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Sydney Freedman is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked in roles at J.P. Morgan Securities, JPMorgan Chase Bank, The Frisch School, The D.E. Shaw Group, Dow Jones, Memorial Regional Hospital, and the University of Pennsylvania. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, with a specialized emphasis on derivatives and commodities capabilities.

Shanna Wolf is a financial advisor at LPL Enterprise with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America, Pruco Securities, Mass Mutual, and MetLife Securities. Wolf also serves in fiduciary roles for family trusts in New Jersey. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Keith Simons is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has served since 2017. He is a registered investment professional with more than 26 years of experience in the wealth management industry. Mr. Simons is recognized as a member of the Sentinel Team, which has been named to the 2023-2026 Forbes "Best-in-State Wealth Management Teams" list. Prior to joining Merrill Lynch, Mr. Simons held positions at several financial firms. He began his career as the Director of Investments at Oppenheimer & Company in New York City from 1993 to 2001. He then worked as a First Vice President at Smith Barney in New York City from 2001 to 2008. Following that, he was a Senior Vice President at Morgan Stanley in Short Hills, New Jersey, from 2008 until his transition to Merrill Lynch in 2017. Mr. Simons earned a Bachelor of Arts degree from George Washington University. He holds FINRA series 7, 63, and 65 registrations, as well as life insurance licenses. He resides in Short Hills, New Jersey, with his wife and three children.

Daniel Dambroff is a financial advisor with LPL Financial holding a Series 66 designation and six years of industry experience. He has previously worked at Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory work, he serves as a trustee to a family member and holds power of attorney responsibilities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, third-party asset management access, and institutional platforms, supported by extensive operational and research tools.

Anthony Pugliese is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Westfield, New Jersey. He has been in the financial services industry since 1988 and joined Merrill in 2012. Drawing on over 25 years of diverse capital markets experience, Anthony provides advice and guidance to individuals, families, and small business owners to help them reach their personal and financial goals. Anthony holds a bachelor's degree in Communications from Lynchburg College, earned in 1988, and maintains the Personal Investment Advisor (PIA) designation. His client services focus includes college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Raised in Westfield, where he currently resides with his wife and three children, Anthony is involved in community activities such as coaching youth sports.

Michelle Bartosik is a Series 66-licensed financial advisor with Merrill, based in Flemington, New Jersey, and has 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and with Bank of America, N.A. since 2011. Outside of her advisory role, she coaches gymnastics part-time for a family business. 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 various institutional investors.

Sapan Shah is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at JPMorgan Securities LLC since 2009 and at JPMorgan Chase Bank NA since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research, supporting a non-discretionary program where clients retain final decision-making authority.

Mark Leonhard is a CFP® professional with 41 years of experience in the financial industry. He has been with Raymond James & Associates since 2018, following prior roles at Wells Fargo Clearing and Merrill. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services supported by a range of portfolio management strategies and affiliated research.