Solomon Tobal is a financial advisor at Wells Fargo Advisors with two years of industry experience. He previously worked at Morgan Stanley and VCP Financial LLC. Outside of his advisory roles, he has teaching experience at the College of Staten Island. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, using proprietary research and planning tools to develop personalized recommendations.

Dara Hubbard is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and worked previously at Morgan Stanley for five years before joining Merrill in 2017. Outside of her advisory role, she works as a receptionist at Ramsey Veterinary Hospital. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 at Merrill with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2024, he worked for Citi Private Alternatives, LLC and Citigroup Global Markets from 2014 to 2024. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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 at Bank of America, N.A. since 2011. In addition to her advisory roles, she has been affiliated with Berkeley College since 2010. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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.

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.

James Dunn is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity for 25 years, during which time he has held various roles including Vice President-Senior Account Executive, Financial Representative III and II, Retirement Investment Specialist, Senior Retirement Service Specialist, and Retirement Services Specialist. James focuses on wealth planning and assisting clients in pursuing their financial goals. He holds a California Insurance License. His career at Fidelity has provided him with extensive experience in financial consulting and retirement services. Outside of his professional work, James enjoys fishing, gardening, golf, outdoor adventures, spending time with pets, and reading.

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. 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.

Jeremy Rudd is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bank of America N.A. and Merrill for the past 12 years. 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, and institutional investors.

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.

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.

William Edelson is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 32 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is an independent insurance agent specializing in individual life, property/casualty, health, disability, long-term care, and fixed annuities, and serves as an executor for a family estate. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative annual planning engagements and offers specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

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. She partners with families, individual investors, and business owners to design and implement financial strategies tailored to their goals. Jennifer collaborates closely with her clients and their other professional advisors to create comprehensive, goal-based plans covering investments, asset allocation, retirement planning, estate planning, philanthropy, and more. Jennifer holds multiple professional designations including the Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor™, and Accredited Domestic Partnership Advisor™ (ADPA™). She earned her high school diploma from Pompton Lakes High School. Jennifer serves as an elected Councilwoman in her hometown of Pompton Lakes, New Jersey, and is active in several professional organizations such as the Paterson Rotary Club No. 70 and the Pompton Lakes Chamber of Commerce. Outside of her professional work, Jennifer enjoys competitive skeet shooting, cooking, traveling, water sports, and spending summer days on Greenwood Lake. She is also involved in community activities and volunteer efforts with organizations including Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, and the Pompton Lakes Woman's Club.