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 partners with clients to develop customized wealth strategies and to oversee investment portfolios that align with their individual objectives. His approach emphasizes building and preserving wealth with a focus on clients' long-term goals and priorities. Adam's expertise includes personal retirement planning, portfolio management services, socially responsible and values-based investing, and tax minimization. He serves as a trusted advisor, providing ongoing insight to help clients navigate life's financial milestones and maintain strategies that reflect their evolving circumstances. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is a member of The National Society of Leadership and Success. Outside of his professional role, he enjoys chess, golfing, music, and reading.

Robert Goldstein is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with LPL Financial since 2004 and previously worked at The Astorino Financial Group, Inc. from 2015 to 2023. Goldstein serves as a director on the board of Boling Springs Savings Bank. 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 investment solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

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.

Evelyn Jimenez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at Bank of America, N.A. and has experience outside finance managing a coffee shop and working in the food service industry. 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, retirement plans, corporations, and charitable organizations.

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.

Kyle Swift is a financial advisor at Merrill with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments. His background also includes roles at Delbarton School and Virginia Tech. 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 organizational investors.

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.

Nicholas Amoresano is a financial advisor at Merrill with Series 65 and Series 63 credentials and four years of industry experience. His work history includes positions at Merrill and Bank of America, N.A., as well as prior roles at Daybreak, Inc. and the University of Scranton. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Justin Hamacher is a financial advisor at Equitable Advisors in Saddle Brook, NJ, with one year of industry experience. He holds a Series 66 designation and has prior work experience outside the financial sector, including four years at Factory Direct Enterprises operating as Ashley Homestore. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a range of advisory models, including third-party TAMPs and LPL-sponsored programs, and offers services covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Fern Tamborra is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and 23 years of industry experience. Her career includes roles at Robert Half and Zonin Wealth Management, among others. Tamborra serves as a board member for the Biomedical Research & Education Foundation of Southern Arizona, which reviews human medical studies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Michael Topinka is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America before joining Raymond James in 2020. In addition to his advisory work, he is involved as a partner or owner in several small businesses, including e-commerce ventures started by his sons and a family manufacturing representative business in clean energy. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary investment consulting supported by analytical tools and maintains specialized programs for municipal and employer retirement plans.

David Mital is a CFP®-designated financial advisor with 40 years of industry experience, currently affiliated with Cetera. He has served at Cetera and CETERA Financial Specialists LLC since 2005 and operates his own financial services business, Mital Financial Services, since 2017. Outside of advisory work, he also runs a tax preparation service and holds a notary public commission. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with various program structures and custodial relationships.

Jonathan Marciani is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 credential. Outside of his advisory role, he is self-employed as a personal trainer with VOLT Fitness. Equitable Advisors serves individuals across various wealth levels, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes third-party advisory programs and focuses on matching clients to appropriate investment models based on individual risk tolerance and personal information.

Matthew Graf is a financial advisor with Ameriprise Financial Services, holding a Series 63 designation and having 27 years of industry experience. He has worked with Ameriprise since 1999, including 15 years at Ameriprise Financial Services, Inc. Outside of his advisory work, he serves as president of the Packanack Golf Club board of directors and manages an advisory business through FARGAM Inc. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning, utilizing proprietary research and third-party data to provide tailored recommendations.

Matthew Tripodi is a Benefits & Planning Consultant specializing in Executive Services. In this role, he partners with executives to help them understand their employer benefits and co-create financial plans aligned with their goals. He has professional experience as a Workplace Planning Consultant at Fidelity from 2022 to 2026 and served as a High Net Worth Service Associate at Fidelity from 2021 to 2022. Through these roles, he has worked closely with clients to provide personalized financial guidance tailored to their unique situations.