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 been with LPL Financial since 2008. In addition to her advisory role, she is a notary public in Denville, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including retirement plan consulting and brokerage services, with access to model portfolios, research, and various management approaches.

James Doctor is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Phone.com and Bank of America, N.A. He is based in Saddle River, NJ. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

James Murphy is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2017 and previously held roles at Morgan Stanley and Morgan Stanley Private Bank. 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, distribution, and investment management capabilities.

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® professional with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for seven years. Outside of his advisory role, he provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored advice supported by extensive research and a broad affiliate network.

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.

Roy Nazaroff is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2008. Prior to that, he worked at Provident for 16 years. Nazaroff also operates a separate business under the name Financial Resources Group in Warwick, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house research and third-party subadvisors.

Kim Stires is a financial advisor with Wells Fargo Advisors based in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 47 years of industry experience. Their career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a current tenure at Wells Fargo Advisors since 2023. Outside of advisory work, Stires has a part ownership in Investment Strategies, an investment-related business in Cedar Knolls, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services that include a broad range of planning areas. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Gregory Longo is a financial advisor with Cetera in Clifton, NJ, holding Series 63 and Series 66 licenses and having 30 years of industry experience. His prior work includes roles at Citizens Securities, INVEST Financial Corp., and Investors Bank. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to both affiliated and third-party managers.

Adam Abida is a financial advisor at Merrill Lynch Wealth Management. He focuses on providing personalized guidance to individuals and families, helping them pursue their financial goals through strategies tailored to their unique priorities. Adam specializes in personal retirement planning, portfolio management services, socially responsible and values-based ESG investing, and tax minimization. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is also a member of The National Society of Leadership and Success. His approach involves working closely with clients to define their goals and adapting portfolio strategies as their situations evolve. Outside of his professional role, Adam has interests in chess, golfing, music, and reading.

John Cooney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. His expertise encompasses family wealth management, legacy planning, institutional consulting, managing new wealth, portfolio management services, and retirement income planning. John leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. John holds a Bachelor's Degree from Dominican College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional activities, John enjoys baseball, golfing, and spending time with his family.

Robert Goldstein is a financial advisor with LPL Financial based in Fairfield, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with LPL Financial since 2004 and also leads The Astorino Financial Group, Inc. Additionally, Goldstein serves as a director on the board of Boling Springs Savings Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management options.

Susan Ensenat is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments, a role she has held since 2024. Her professional background includes positions as a Central Relationship Manager at Fidelity Investments from 2022 to 2024, Premier Banker at Wells Fargo from 2021 to 2022, Premier Relationship Manager at HSBC from 2017 to 2021, and Financial Professional at New York Life from 2014 to 2017. Throughout her career, Susan has focused on building trust and educating clients to co-create financial plans tailored to their individual and family needs. She emphasizes ongoing review and alignment of these plans with clients' current and future goals. Outside of her professional responsibilities, Susan enjoys cooking and baking, engaging in family activities, fitness, exploring food as a foodie, social events with friends, and kayaking.

Ellen Stuart is a financial advisor at Edward Jones with nine years of experience at the firm and prior experience working for school districts in Livingston and Chatham, New Jersey. She holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Thomas Napier is an Investment Consultant at Fidelity Investments. In this role, he provides point-in-time guidance for clients and their families, assisting them in preparing for the future and educating them on the resources available through Fidelity. He focuses on understanding client needs to collaboratively build financial plans aimed at achieving their goals. Thomas has worked in the financial services industry since 2021. His professional experience includes serving as an Investment Consultant and Investment Solutions Representative at Fidelity Investments, a Retirement Planning Consultant at AIG, and a Financial Advisor at Equitable Advisors. He holds insurance licenses in Arkansas and California.

Paul Skilton is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Edward Jones since 2002. Based in Wayne, NJ, he holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Steve Grossbard is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 registrations and has 37 years of industry experience. He has previously worked at Prudential Insurance Company of America and First Allied Advisory Services. Outside of his advisory role, Steve is a self-defense coach and conducts self-defense seminars several times a month. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including wrap accounts and educational seminars.

Pio Defranco is a financial advisor with Ameriprise in Wayne, NJ, holding a Series 66 designation and 25 years of industry experience. He previously worked at Merrill from 2008 to 2017 before joining Ameriprise Financial Services, Inc., where he worked from 2017 until 2020. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement, focusing on clients with significant investable assets. The firm employs a combination of research, modeling, and tax-efficiency analysis to deliver personalized, written recommendation reports through a centralized consulting team.

Peter Kalin is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including HSBC Securities and Provident Bank. Cetera Investment Advisers LLC serves 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 featuring both affiliated and third-party managers.