Robert O'Herlihy is a financial advisor with Wells Fargo Advisors in Hackensack, NJ, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Wells Fargo Advisors since 2016. Outside of his advisory role, he is the owner of Blue Horseshoe Holdings and serves as a trustee for Blue Horseshoe Holdings 401K. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, using Wells Fargo research and planning tools to develop and deliver financial recommendations.

Robert Johnston is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in developing strategies for high-net-worth individuals, their families, and businesses. He joined Merrill Lynch Wealth Management in 2010 and has been in the financial services industry since 2008. His approach to wealth management is consultative and objective, focusing on personalized asset allocation and comprehensive financial planning, including investments, retirement, estate planning, and philanthropy. Mr. Johnston is a 1985 graduate of Rutgers University with a Bachelor of Science in Accounting. He holds the CERTIFIED FINANCIAL PLANNER™ professional designation, the Certified Public Accountant license from New York state (not actively practicing in his advisory role), as well as certifications as a Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Robert Johnston is involved in community service, having served as past President of the Oradell/Emerson Rotary Club and as a board member for West Bergen Mental Healthcare and the Volunteer Center of Bergen County. He also coaches youth sports teams. He resides in Emerson with his wife Michele and their two daughters.

Craig Cutler is a financial advisor with LPL Financial in Ramsey, NJ, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory work, Cutler competes in disc golf tournaments through the Professional Disc Golf Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management programs, utilizing a variety of strategies and advisor-support tools.

Thomas Ross is a Wealth Management Advisor with Merrill Lynch Wealth Management who has been with the firm for over 20 years. In his role, he focuses on developing personalized financial strategies tailored to clients' full financial pictures, with particular emphasis on family wealth management strategies, legacy planning, managing new wealth, and retirement income. He integrates investment insights from Merrill along with banking and lending solutions from Bank of America to help clients pursue their long-term goals. Prior to joining Merrill Lynch, Thomas was a Relationship Manager in the Corporate Banking area at a major metropolitan bank. He holds a Bachelor's Degree in Economics from Rutgers University and a Master's Degree in Finance from the New Jersey Institute of Technology. He is also designated as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Thomas resides in Northern New Jersey with his wife and three children. He is active in his community and spends time volunteering with local organizations. His personal interests include skiing, hiking, biking, basketball, boating, cooking, football, reading, traveling, and watching movies.

Steve Killebrew is a financial advisor with Ameriprise in Ridgewood, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured process supported by algorithmic automation and oversight committees.

Edward Alligier is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Primerica Advisors since 2018, with prior experience at Equitable Advisors and PADI. Outside of his advisory role, he owns Alligier Health and Entertainment, LLC, which provides personal training and character birthday party entertainment. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and a limited number of separately managed account options structured as a wrap-fee solution.

Paul Shirinian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 registrations and 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and has served at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market models as part of its financial planning process.

Manuel De Leon is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase and J.P. Morgan Securities since 2012. Based in New York, NY, he serves institutional clients as part of a large advisory team. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Charles Linfante Jr. is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and MassMutual Investors Services since 2016. Outside of his advisor role, he is involved in insurance brokerage activities, including life, health, disability, and property/casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved software and provides a range of planning services including estate and employer-sponsored planning.

James Langham is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 13 years before joining Mass Mutual in 2023. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that provide written recommendations using firm-approved software.

Gary Alfonso is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has worked with Wells Fargo Advisors since 2009 and joined Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Timothy Brogan is a financial advisor with RBC Capital Markets in Pompton Lakes, NJ, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at RBC Capital Markets since 2008 and has also been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies according to client risk profiles.

Daniel Lane is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, with prior experience at Bank of America and Merrill Lynch. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Kevin Barone is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with seven years of industry experience. He has worked at Morgan Stanley since 2019, including five years with Morgan Stanley Private Bank, N.A. Prior to this, he held roles at Vector Marketing and Collector's Cafe and studied at Bloomsburg University of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Jeffrey Steinmann is a CFP® professional with 26 years of industry experience. He has been with Osaic since 2018 and previously worked for John Hancock Mutual Life Insurance for 20 years. Outside of his advisory work, he serves as a varsity ski coach for a high school team. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Urszula Wierzgala is a Series 66 licensed financial advisor with J.P. Morgan Securities, bringing 22 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, NA since 2017. Outside of her advisory role, she is a co-owner of a rental property. 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 and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Michael Lipani is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and has held ownership roles in GSXAWD Holdings, a personal holding company for automobiles, and SPQR Properties, a real estate business focused on rental income. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory capabilities with brokerage and investment management functions.

Joseph Cohen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He previously worked at National Planning Corporation and Wells Fargo Clearing before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies supported by advisor-facing tools.

Brian Rudin is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has held positions at J.P. Morgan Securities LLC since 2016 and previously worked at HSBC Bank USA N.A. in 2016. He holds Series 63 and Series 65 credentials. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jeffrey Jacobs is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory role, he is involved with Plymouth Rock in property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s approach includes model-driven investment implementation and access to third-party asset managers, alongside offering non-securities products such as affiliated insurance and trust services.