Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Cambridge since 2013 and serves as an independent insurance agent. Additionally, he is a board member director of NY Bio Healthcare Pvt Limited, a distributor of disposable medical devices. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Antoine Ojeil is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 11 years of industry experience. His prior roles include positions at Citi Private Alternatives and Citigroup Global Markets. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and features integration with Bank of America’s corporate platform.

Shanta Ajodha is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2016 and Bank of America, N.A. since 2011. Additionally, she has been affiliated with Berkeley College since 2010. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates within Bank of America’s platform, which includes access to a broad spectrum of financial products and services.

Kenneth Dipaola is a CFP® professional with 44 years of industry experience, currently serving as an advisor at LPL Financial since 1999. He holds a Series 63 license and operates out of Hackensack, NJ. Kenneth is involved with The Senior Group, an S-Corp used for accounting and equipment leasing purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial services supported by research and model portfolios, catering to both discretionary and non-discretionary management needs.

Maikel Cotrina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes roles at Citigroup Global Markets and Santander Securities before joining J.P. Morgan in 2025. 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 brokerage, distribution, and investment management capabilities.

Jared Craig is a financial advisor at Equitable Advisors with a Series 66 credential and one year of experience at the firm. His prior work includes roles at several country clubs and a university, as well as experience with Crisdel Inc. and Full Count Baseball. 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 operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Natalie Vigunas serves as Vice President and Branch Leader at Fidelity, a role she has held since 2023. In this capacity, she is responsible for maintaining Fidelity's standard of care to ensure clients have exceptional financial planning experiences. She leads a team focused on developing client relationships by understanding their personal and financial situations to simplify complex financial planning concepts for better client comprehension and implementation. Natalie has been with Fidelity since 2006, progressing through various roles including Regional Planning Consultant from 2014 to 2023, Vice President and Financial Consultant from 2011 to 2014, Financial Consultant from 2009 to 2011, Investment Consultant from 2008 to 2009, and Financial Representative from 2006 to 2008.

Brendan Mc Cauley is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over eight years of experience, he focuses on helping clients take the stress out of financial planning so they can concentrate on their personal priorities. Brendan's approach centers on building genuine connections to understand and pursue clients' unique ambitions, including areas such as divorce transition planning, executive and equity compensation services, family wealth management strategies, and tax minimization. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Brendan earned his high school diploma from Saint Peter's Preparatory and a bachelor's degree from the Pennsylvania State University System. He is affiliated with professional organizations such as Pi Kappa Alpha and the Penn State Alumni Association - Northern New Jersey. Outside of his professional role, Brendan is involved in community activities including Penn State THON™. He enjoys football, reading, spending time with his family, traveling, and watching movies.

Jeffrey Miller is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at American Portfolios Financial Services, Inc. and OSAIC. Miller is also a licensed notary in New Jersey and involved in non-variable insurance sales. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Kerry Carlo is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 1996, totaling 30 years at the firm. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment strategies developed by its Chief Investment Office and third-party managers within Bank of America’s broader platform.

Jeremy Rudd is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America and Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader corporate platform allows access to a wide set of products and services.

Brian Langan is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Michael Rose is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018 and previously spent 22 years with Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. Rose is also a registered representative with Acorn Financial Services, where he provides financial consulting involving life insurance, variable products, and securities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jean Choiniere is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services and Wealthspring Financial Partners LLC. Outside of his advisory work, he holds a junior advisor role at Wealthspring Financial Partners LLC where he prepares financial plans and manages client portfolios. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management solutions and financial planning services through a large nationwide network of independent advisors.

Brian Mchugh is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he held roles at Celtic Marine Services and Phaidon International - Selby Jennings. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm’s approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, supporting discretionary and non-discretionary advisory services as well as model portfolio delivery.

Sultan Bilal is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 40 years of industry experience, including roles at MML Investors Services and Mass Mutual Life Insurance Company since 2013. In addition to his advisory work, he is involved in non-MassMutual insurance brokerage, focusing on individual and group life and health insurance. 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 programs, employing firm-approved analytical tools to support collaborative, goal-oriented client engagements.

Tammy Kerner is a financial advisor with Mass Mutual Investors Services in Paramus, NJ. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Prior to her current role, she worked at Metlife Securities Inc. from 2015 to 2017. In addition to her advisory work, she is also licensed as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as 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, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals and deliver written recommendations.

Michael Gammarati is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses firm-approved tools and models to support financial planning without providing individual security recommendations in standalone plans.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has worked since 1997. In her role, she assists families, individual investors, and business owners by developing and implementing personalized financial strategies to help clients achieve their financial goals. Jennifer works closely with clients over time, regularly reviewing and adjusting strategies as needed, and collaborates with their attorneys and CPAs to create comprehensive and goals-based financial plans. Jennifer's expertise encompasses a wide range of financial planning areas, including investments, asset allocation, education planning, retirement planning, estate planning, philanthropic planning, and small business strategies. She holds several professional designations, including the Chartered Retirement Planning Counselor™ (CRPC™), the Certified Plan Fiduciary Advisor™ (CPFA), and the Accredited Domestic Partnership Advisor™ (ADPA™). She earned her High School Diploma from Pompton Lakes High School. Residing in Pompton Lakes, NJ, Jennifer serves as an elected Councilwoman in her hometown. She is actively involved in community organizations such as the Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, and the Pompton Lakes Woman's Club. In her personal time, Jennifer enjoys competitive skeet shooting, cooking, traveling, water sports, and spending summer days on Greenwood Lake with her two children, Paige and John Michael.