Timothy Mehaffey is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Advisory Services and 1st Global Advisors. Mehaffey also serves as a trustee for the Robert and Jane Malavarca Family Trust, managing life insurance trust activities. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual investors, retirement plans, corporations, charities, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors, employing a multi-manager platform with various investment program options.

Terrence Ryan is a CFP® with 37 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. His prior experience includes roles at JPMorgan Chase Bank, N.A., where he has worked since 2006, and BNY Investment Center Inc. in 2006. 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 searches, and customized performance reporting. The firm combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations and incorporates a regulatory structure that supports broader derivatives and commodities capabilities.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

John Lederer is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Oppenheimer, Morgan Stanley, UBS Financial Services, Citigroup Global Markets, and Citicorp Investment Services. 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 advisory and brokerage services through a broad network, using various investment strategies and platforms tailored to client needs.

Emmanuel Suvino is a financial advisor at LPL Financial based in Fairfield, NJ. He holds a Series 66 designation and has been with LPL Financial since 2026. Prior to joining LPL, his experience includes various roles at Lynn University, as well as positions in education and service industries. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

John Sullivan is a CFP® and PFS™ credentialed financial advisor with 35 years of industry experience. He is currently with Cetera and has previously worked at Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory work, he is a member of Bonji Bowls LLC, a business owner. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures.

Christopher Gillan is a financial advisor with Ameriprise in Morristown, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of advising, he serves as president of the board of directors for Partners in Business and is involved in alternative energy supply and independent insurance brokering. He also pursues acting in his spare time. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets and provides a range of advisory, brokerage, and insurance solutions through affiliated companies. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations that integrate tax efficiency and adaptive withdrawal strategies.

Russell Slader is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Slader owns Slader Financial, LLC, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Jennifer Hutchison is a financial advisor with Primerica Advisors in Mountain Lakes, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has worked at Primerica and affiliated firms since 1998. Outside of advisory work, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven portfolio strategies managed by unaffiliated asset managers and supported by custodial services from Pershing.

Dawn Sakolsky is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at LPL Financial since 2008, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Dawn also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plans, banks, and institutions.

James Doctor is a financial advisor at Merrill in Saddle River, NJ, holding a Series 66 designation with one year of industry experience. He previously worked at Phone.com for eight years before joining Merrill and Bank of America in 2026. 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, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Murphy is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2017, following prior roles at Morgan Stanley Private Bank and Morgan Stanley. 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 combines quantitative screening and qualitative research with a forward-looking approach to capital market assumptions.

Frank Heter Jr. is a financial advisor with Morgan Stanley in Little Falls, NJ, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has worked with Morgan Stanley and its predecessor firms since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies to assist clients.

Francis Dunn is a CFP® with 27 years of experience in financial advisory. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2019. Prior to this, he held positions at Merrill Lynch and Morgan Stanley. Outside of his advisory work, he provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs for municipal advising and SIMPLE IRA employer consulting.

Anthony Siciliano is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at Primerica Financial Services and PFS Investments Inc. He is involved in other business activities related to investment products and mortgage loan sales, and manages two legal entities formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.

Kathleen Miller is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. Her prior roles include positions at PNC Wealth Management, UBS Financial Services, Morgan Stanley, and Citigroup Global Markets. She has been with Merrill since 2012. 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 with model-based and discretionary investment strategies developed by internal and third-party managers.

Roy Nazaroff is a financial advisor with LPL Financial in Totowa, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at LPL Financial since 2008 and previously at Provident from 2006 to 2022. Nazaroff operates a DBA known as Financial Resources Group in Warwick, NY. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a large network of advisors with various investment strategies and operational tools.

Kim Stires is a financial advisor at Wells Fargo Advisors with 48 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside of her advisory role, she has a 33% ownership interest in an investment-related business based in Cedar Knolls, NJ. 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 and integrates advisory services with other financial products and referral channels.