Michele Nielsen is a financial advisor at Fidelity with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliated entities since 2006. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registration with the CFTC, advisory role to multiple registered funds, and use of advanced technologies such as AI in its investment process.

Mary Delorenzo is a financial advisor with Merrill in Staten Island, NY, holding Series 63 and Series 66 credentials and 26 years of industry experience. She has been with Merrill since 1997. 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 a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Vitiello is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 34 years of industry experience. His career includes 26 years at Metlife Securities Inc. and ongoing roles with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2016 and 2017, respectively. In addition to his advisory work, he is a CPA providing tax preparation services and operates as an independent insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative planning methods to develop investment strategies without discretionary authority.

Timothy Mulhern is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2015 to 2024. 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 range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios from various sources.

Michelle Mc Tamney is a financial advisor with Edward Jones in Rahway, NJ, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, she worked at Kraftware Corporation from 2016 to 2021. 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 network of financial advisors and branch offices.

Patricia Donelan is a financial advisor at LPL Financial with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Momentum Independent Network. 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 range of advisory programs and financial planning services, utilizing model portfolios, research, and technologies such as machine learning to support diversified investment strategies.

Jonathan Scott is a Series 66-licensed advisor with LPL Enterprise, based in Holmdel, NJ, and has two years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of financial advising, he is co-owner of Humidor Cigar Group LLC, a hospitality business involved in cigar sales and relationship management. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels.

Garrett Morrison is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he manages real estate properties and serves as a financial backup for a family member. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Justin Sonta is a financial advisor with Edward Jones in Atlantic Highlands, NJ, holding Series 63 and Series 66 registrations with 21 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he is a silent partner in several commercial real estate ventures based in Hackensack, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of advisory programs and affiliated investment products through a large nationwide network of advisors and branch offices.

Silvia Rodriguez Coda is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. She has been associated with Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated for 15 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Kevin Berenzon is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at Equitable Financial Life Insurance Co and Compass Real Estate Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Peter Kaloustian is a financial advisor with LPL Financial based in Cranford, NJ, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked with LPL Financial Services since 2008, alongside concurrent roles at Flagstar Bank N.A. since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Michael Ciorlian is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America and Merrill since 2022 and previously held various roles including positions at Olde Queens Tavern and Rutgers University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers.

Joseph Tardiff is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, initially serving as a Planning Consultant before assuming his current role in 2024. Prior to joining Fidelity, Joseph worked as a Financial Solutions Advisor at Merrill Lynch from 2014 to 2022. His professional experience spans various aspects of financial consulting and planning. Joseph's career objective focuses on providing sound and helpful financial guidance to clients, aiming to make a meaningful difference in their lives. He is committed to pursuing further education and certifications to enhance his ability to deliver financial advice. Outside of his professional work, Joseph's personal interests include beach activities, concerts, golf, music, surfing, and swimming.

Joseph Maccariello is a Series 66-registered financial advisor with Cambridge Investment Research Advisors, bringing four years of industry experience. His prior roles include positions at Bank of America and Merrill. He is also involved in tax service businesses as an employee of multiple firms providing tax-related services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by offering financial planning, investment management, and retirement advisory services. The firm delivers these through a network of independent Financial Professionals using various portfolio management solutions and maintains both proprietary and third-party investment strategies.

Kristine Ens is a financial advisor at Ameriprise with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for seven years before joining Ameriprise in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written Recommendation Reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edward Allegra is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2023 and Morgan Stanley Smith Barney LLC since 2022. Prior to joining Morgan Stanley, he was involved with BioLum Sciences LLC for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

George Prezioso is a financial advisor at Stifel with 42 years of industry experience. He previously worked at Janney Montgomery Scott Inc. from 1983 to 2025. Prezioso is a board member of the Fort Hamilton Citizens Action Committee, Bay Ridge Catholic Academy, and the Cathedral Club of Brooklyn, participating in community relations and Catholic education activities. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Shane Learn is a financial advisor at LPL Financial with a Series 66 credential and experience beginning in 2022. His career includes roles at Cadaret, Grant & Co., Inc., Petersen Advisors, and ABMM Financial. He has also worked in education at Florida State University and Winding Brook School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Michael Boulos is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Fields Boulos Group, a role he has held since joining in the fall of 2020. In this capacity, he focuses on deepening client relationships and providing detailed wealth planning. Michael constructs personalized financial strategies aimed at achieving his clients' financial goals and regularly reevaluates their current situations to provide updated advice. He holds a Bachelor's Degree from Villanova University, earned in 2017, where he served as philanthropy chair of the Sigma Chi Fraternity. Michael also obtained his Juris Doctorate from New York Law School in 2020 and was admitted to the New York Bar Association in 2021. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is involved with professional and community organizations such as LunchBreak and the Beauty Foundation of New Jersey. In his free time, he enjoys playing golf and tennis, collecting sports cards, working out, and spending time with family and friends at the beach.