Adam Pena is a Financial Advisor at Merrill Lynch Wealth Management, where he works with individuals, families, and business owners to simplify wealth management. He focuses on understanding clients' goals, family priorities, business interests, and legacy objectives to develop personalized strategies. His expertise includes wealth growth and preservation, retirement planning, education funding, tax-efficient strategies, and legacy planning. Adam holds the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree in Economics from the State University of New York System at Binghamton. Adam resides in Westwood, NJ, and enjoys spending time with his family, as well as participating in adventure sports, football, golfing, hiking, music, photography, running, traveling, and watching movies. He is also committed to giving back to his faith and community.

David Berntsen is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing 38 years of experience in the wealth management field. He specializes in family wealth management strategies, legacy planning, and portfolio management services. David works closely with clients to examine various financial documents and understand family dynamics to deliver tailored advice and guidance. Throughout his career, David has worked for an institutional bond broker and other prominent wealth management firms before joining Merrill in 2014 along with his team members. He holds a Bachelor's degree from Ramapo College and the Professional Investment Advisor (PIA) designation. A native of Allendale, New Jersey, David resides with his family in Chester, New York. His personal interests include sailing, biking, skiing, golf, and fly-fishing.

Pascal Murphy is a financial advisor at Ameriprise with 21 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2004. Murphy serves on the board of Bear Brook Village in Wood Ridge, NJ, in addition to managing his own financial advisory practice through GREP Holdings LLC. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering tailored written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with advisory services and provides a broad range of investment, brokerage, and insurance solutions.

Matthew Perreault is a Financial Consultant at the Paramus, NJ Investor Center, where he works closely with local clients to provide guidance and education about their investments and their overall financial picture. He and his team focus on understanding each client's full situation and goals to help build comprehensive financial plans tailored to those objectives, aiming for successful outcomes and peace of mind. Matthew has held a series of roles at Fidelity Investments since 2021, including positions as Customer Relationship Advocate, Help Desk, Financial Representative, Relationship Manager, Planning Consultant, Investment Consultant, and currently as Financial Consultant. This progression reflects his broad experience within the company and the financial services industry. Outside of his professional career, Matthew has personal interests that include hiking, movies, music, outdoor adventures, pets, and soccer.

Ryan Brennan is a Financial Consultant currently working at Fidelity Investments since 2025. Prior to this role, he served as an Investment Consultant and Planning Consultant at Fidelity Investments from 2023 to 2025. Before joining Fidelity, Ryan worked as a Financial Advisor and Financial Analyst at UNFCU Advisors from 2019 to 2022. In his professional practice, Ryan collaborates with clients to develop customized financial plans aimed at meeting their unique needs and obligations. He emphasizes building strong relationships through trust, understanding, and transparency, offering education and guidance to help clients navigate their financial journeys. Outside of his professional role, Ryan enjoys engaging in activities such as baseball, golf, snowboarding, softball, traveling, and participating in social events with friends.

Joseph Paladino is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Prior to joining OSAIC Wealth Inc., he spent 14 years in full-time education. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services, focusing on model-based asset allocation and portfolio optimization supported by various risk management and investment tools.

Paul Hashim is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. from 2014 to 2017. In addition to his advisory role, he is involved in individual life and health insurance sales. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements using firm-approved tools and delivers recommendations covering investment categories and strategies.

Jed Limmer is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and 17 years of industry experience. He has previously worked at Wedbush Securities, D.A. Davidson & Co., and Onward Advisors. Outside of his advisory role, Limmer consults on strategy and business development for Center 15 Capital, a firm focused on investment opportunities in pre-IPO defense technology companies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, portfolio programs, third-party asset management, and institutional platforms.

Caren Malitsky is a financial advisor at Mass Mutual Investors Services with 12 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at JPMorgan Chase Bank and JP Morgan Securities LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements and offers a range of investment programs and educational seminars.

Sam Rajguru is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at several firms, including Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Prior to joining Fidelity, he was involved with Ohm Shri Riddhi Siddhi. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

John Hofman is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America, N.A. since 2018, with periods of unemployment in between. 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 institutional investors.

Nicholas Wisnovsky is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Fidelity, he worked at Nylife Securities LLC and New York Life Insurance Company. Outside of his advisory role, he works as a deckhand for Jordi Sportfishing, a fishing charter business in New Jersey. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management, fund advisory, and delivery of model portfolios built using proprietary research, quantitative analysis, and systematic methodologies.

Alexander Parisis is a Series 66-licensed financial advisor with 10 years of industry experience, currently affiliated with J.P. Morgan Securities. His prior roles include positions at PNC Investments LLC and PNC Wealth Management from 2016 to 2018. He is based in Ramsey, NJ. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence combining quantitative and qualitative research and offers capabilities including ESG eligibility frameworks and broader derivatives and commodities services.

Paul Levis is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. His prior work includes extensive tenure at Massachusetts Mutual Life Insurance Company, Summit Financial Consultants, and Cadaret, Grant & Co., Inc. He is also involved in non-variable insurance activities with Mass Mutual and ASH Brokerage. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 advanced operational and research tools.

Kris Martini is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has two years of industry experience, including roles at MassMutual Life Insurance Company and Mass Mutual Investors Services. Prior to his advisory career, he worked at Copia Home and Garden and studied at Sacred Heart University. 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 provides financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and deliver written recommendations.

Paul Leesman is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1997. Leesman serves as Treasurer of the Boys and Girls Club of Hawthorne. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing tax-aware withdrawal strategies.

Theresa Rosa is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Morgan Stanley Smith Barney LLC for 16 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marina Mazo is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Douglas Clancy is a Financial Advisor at Merrill Lynch Wealth Management. He began his professional career in 1997 as a Revenue Credit Analyst with Merrill and joined the Mahoney Clancy Group as a Financial Advisor in 1999. Mr. Clancy holds a Bachelor of Arts degree in Economics from Tufts University, graduating Cum Laude in 1997. He also earned a Master of Science degree in Personal Financial Planning from the College for Financial Planning. He has obtained several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional duties, Douglas Clancy is involved in his community as an assistant coach for his son's outdoor and indoor soccer teams in the Montvale Athletic League.

Christina Hoerter is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Raymond James & Associates since 2015. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, and offers a variety of financial planning and consulting services with a range of portfolio management styles and firm research.