Vincent Cento is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he was involved with Sim Coe Beer Bar and Obercreek Brewing Company from 2022 to 2024 and worked at Mercedes-Benz of White Plains from 2014 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios. The firm is noted for its advisory role to multiple registered investment companies, use of systematic methodologies, and formal governance procedures.

Colin Figueroa is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Woodbury Financial Services, Capital One Financial, and Morgan Stanley. Outside of his advisory role, he serves as First Vice President at Alpine Financial Planning LLC, which provides insurance planning services to clients. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and a range of managed account programs supported by advanced tools and third-party manager options.

Keith Small is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has been associated with Cetera and its affiliates since 2009 and is also the managing partner of Kluge Financial Group, LLC. In addition to his advisory work, he holds a role as an enrolled agent providing accounting and tax preparation services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers diversified portfolio management and planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Matthew Sullivan is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding Series 63 and Series 65 credentials and possessing 19 years of industry experience. His career includes roles at MassMutual Life Insurance Company since 2016 and METLIFE Securities Inc from 2006 to 2017. He is also engaged in an outside insurance business involving life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services 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 programs, structuring planning engagements as annual collaborations that provide detailed analyses and written recommendations without discretionary authority.

Mark Marotta is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2015. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and nonprofit organizations, offering financial planning, investment consulting, and institutional fiduciary services with a variety of portfolio management styles and affiliated research.

Eric Shell is a financial advisor with RBC Capital Markets in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ Advisory Risk Profiles.

Husan Iddin Abdul Ghani is a Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2012, he has brought over a decade of experience in the financial services industry, focusing on helping clients with financial strategies, asset allocation, and long-term investing to achieve their financial goals. Husan works closely with clients to develop personalized financial plans and serves as a financial quarterback, coordinating resources from Merrill Lynch and partnering with other trusted professionals to meet his clients' personal, business, and professional objectives. Husan's expertise includes corporate benefit programs such as equity compensation, defined benefit and contribution plans, and nonqualified deferred compensation plans. His client focus areas cover liquidity management, retirement planning, philanthropic and socially responsible investing, portfolio management, and strategies for small businesses, sports, and entertainment sectors. He is a 2008 graduate of Johnson C. Smith University with a B.A. in Communication Arts and holds the Personal Investment Advisor (PIA) designation. Husan is actively involved in his community through volunteering with organizations including the International Gathering at Beth Rapha church, Omega Psi Phi Fraternity Inc., the NAACP's AACTSO mentoring program, Junior Achievement, and local food banks and shelters. He is also a sports enthusiast with a background playing college football and follows teams such as the New York Giants, Knicks, and Yankees.

Steven Samori is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining LPL Financial in 2025, he spent five years at David Lerner Associates. His background also includes roles outside finance, such as work with Glass Gardens Inc and Tesla. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Michael Di Giaimo is a financial advisor with J.P. Morgan Securities in Montvale, NJ, holding Series 63 and Series 65 licenses and bringing five years of industry experience. His prior roles include positions at NYLIFE Securities LLC, New York Life Insurance Company, and Eagle Strategies LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process uses quantitative and qualitative research with a focus on eligible strategies and incorporates ESG considerations.

Brian Kopilak is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 21 years of industry experience. He has worked with PFS Investments Inc. since 2004 and Primerica Financial Services since 2003. Outside of advisory work, he is involved in affiliated business activities including sales of loan products and home-related services through Primerica Mortgage, LLC and Primerica Client Services, Inc. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a tiered wrap-fee structure.

Linda Godfrey is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients achieve financial freedom and peace of mind through personalized wealth management strategies. Her approach involves educating clients to understand their investments and structuring portfolios that support both accumulation during working years and income strategies in retirement. Linda specializes in areas including personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. She holds a Bachelor's Degree from Colgate University and professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in Merrill Lynch Women's Exchange as President of the Northern New Jersey Chapter and is a contributing member of Phi Beta Kappa. Her community involvement includes volunteer work with the Center for Food Action, Make-A-Wish (Walk for Wishes), Ramapo Bergen Animal Refuge as a foster family member, and participation in United Way's Tribute to Women in Industry program. Linda is also fluent in French and English, with personal interests that include cooking, dancing, football, gardening, hiking, scuba diving, tennis, traveling, and writing.

Richard Gaba is a financial advisor with Cetera, holding a Series 66 designation and 30 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Cetera Investment Advisers LLC is a nationally registered adviser that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

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.

Elia Durso is a CFP®-credentialed financial advisor with over 40 years of industry experience. She is currently with Osaic and previously worked at FSC Securities Corporation for 14 years. Outside of advisory work, she operates a seasonal personal income tax preparation business serving approximately 140 clients. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with risk-tolerance analytics and portfolio optimization, supporting both discretionary and advisor-managed strategies.

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.