Earl Pedersen Jr. is a financial advisor with LPL Financial who holds a Series 66 designation and has 14 years of industry experience. His prior roles include positions at Cetera, Allied Wealth Partners, and Securian Financial Services. Outside of advisory work, he is employed by the New Jersey Department of Treasury, where he investigates businesses to ensure tax compliance. 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 technology tools and a broad network of over 22,800 advisors.

Lois Tubbs is a financial advisor with Merrill in Flemington, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has previously worked at Morgan Stanley Private Bank and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Leach is a Series 66-credentialed financial advisor with 21 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2010. Outside of his advisory role, he leads a small group prayer ministry for fathers called Dads in Prayer, which focuses on providing spiritual leadership resources and support. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning without discretionary trading authority and combines planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Peter Degiralamo is a financial advisor at Wells Fargo Advisors with 53 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010 and holds a Series 63 designation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with advisory engagements typically structured as discrete projects.

Samuel Smith III is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including roles at Avantax and multiple Cetera entities. Outside of advising, he operates Taxsmiths LLC, providing individual and business tax preparation, tax planning, and financial aid consulting. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across diverse program structures.

Edward Collins is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He previously worked at Summit Financial Resources Inc and Summit Equities, Inc from 2002 to 2008 before joining LPL Financial in 2008. Outside of his advisory role, Collins co-owns two non-investment businesses, Vimagery Inc and Eat Right Vending, and operates a financial education company, Wealth Wisdom Productions, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and third-party asset management, using both discretionary and non-discretionary strategies supported by advanced technology tools.

Brandon Sheh is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and having six years of industry experience. He has worked at MassMutual Investors Services since 2019 and MassMutual Life Insurance Company since 2018. Outside of his advisory role, he is also an insurance broker involved in life, disability, long-term care, fixed annuities, and health insurance sales. MassMutual 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 ongoing financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning using firm-approved analytical tools.

Charles Millas is a financial advisor with J.P. Morgan Securities in Metuchen, NJ, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at JP Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory approach combines quantitative screening and qualitative research to develop model asset allocations, with recommendations incorporating ESG criteria and implemented through affiliated entities.

Lawrence Frydman is a CFP® with 11 years of industry experience, currently serving as an advisor at LPL Enterprise. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, and Fidelity Personal and Workplace Advisors. Outside of his advisory work, he is involved with Plymouth Rock in property and casualty insurance on a limited basis. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offers access to third-party asset managers, and facilitates insurance product sales through affiliated entities.

James Lauber is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and Bank of America, among other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a range of investment capabilities.

Patrick Cassidy is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with clients to address areas such as executive compensation, family wealth management strategies, and retirement income. His approach focuses on connecting all aspects of a client’s financial life to prioritize and pursue their most important goals. Patrick holds the Personal Investment Advisor (PIA) designation. He completed his high school education at Carteret High School and attended Seton Hall University. Outside of his professional role, he enjoys golfing, spending time with his family, and traveling.

Angelantonio Ciaglia is a financial advisor with Mass Mutual Investors Services, holding the Series 66 and Series 63 designations and bringing 26 years of industry experience. His prior roles include positions at Oppenheimerfunds, Inc. for 19 years, Equitable Advisors, and AXA Advisors. He has been with Mass Mutual since 2021. 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 seminars, focusing on collaborative annual planning relationships and event-driven services such as estate settlement and divorce planning.

Mary Ann Giaimo is a financial advisor with Ameriprise, holding a Series 66 designation and 23 years of industry experience. She joined Ameriprise in 2020 after four years at Wells Fargo Clearing. Outside of her advisory work, she participates as a judge on a student performance panel for Seton Hall University’s Senior Assessment project. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on retirement income planning, using proprietary research and tools to address asset allocation, withdrawal strategies, and Social Security options.

Daniel Nigro is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads the TWN Wealth Management Group, which focuses on fulfilling the financial needs and goals of clients through a personalized approach. The group works collaboratively with clients and their other trusted advisors to develop consistent and practical advice, utilizing a goals-based wealth management process and customized strategies. Dan's expertise includes asset management, portfolio analysis, options strategies, and cash management. He is a qualified Portfolio Manager who builds and manages personalized or defined strategies for clients, which may involve individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Dan earned his bachelor's degree from Johnson & Wales University. He has received recognition as one of On Wall Street's "Top 40 Advisors Under 40" in 2018 and has been named to Forbes' "Best-in-State Wealth Advisors" list in 2018, 2019, and 2020.

Krzysztof Przywara is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Securities, Citizens Securities, and Uber. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary strategies supported by analytical modeling and offers specialized advisory programs such as municipal and SIMPLE IRA Employer Advisory services.

Julia Savage is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and with 17 years of industry experience. She previously worked at PNC Investments and PNC Financial Services Group. Outside of her advisory role, she is a co-owner of a golf simulator business managed by her husband. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG criteria and utilizing affiliates for implementation and portfolio services.

Gaurang Pandya is a financial advisor with Cetera, holding the CFP® designation and Series 65 and 63 licenses, with seven years of industry experience. He has worked at Cetera and Allied Wealth Partners, and previously spent 25 years with Prudential Financial. Outside of his advisory role, he serves as a volunteer on the CFP Board of Standards’ Disciplinary Enforcement Committee, participates in community outreach as an AARP volunteer, and serves on the advisory board of a talent management firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with access to affiliated and third-party managers and various program structures.

Joel Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience in the financial services industry, having joined Merrill Lynch in 2016. Joel focuses on understanding the priorities of high-net-worth individuals and families and delivering personalized financial strategies to support their goals. His expertise encompasses a wide range of financial planning areas, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. Joel works with clients to develop customized approaches involving equities, fixed income, alternative investments, options, ETFs, and other investment types, while also providing access to banking, credit, and lending services through Bank of America. He holds Series 3, 7, 63, and 65 FINRA registrations. Joel earned a Bachelor’s degree in Business Administration from the University of Delaware. He is actively involved in his community, having served as the President of the Bedminster Far Hills Little League, reflecting his commitment to local engagement.

Andrew Kowitski Jr. serves as a Senior Financial Advisor and Portfolio Manager, holding the Sports and Entertainment Accredited Wealth Management Advisor™ designation. He works within Merrill Lynch Wealth Management, where he applies a consistent approach developed through years of experience navigating multiple market fluctuations. Andrew collaborates closely with clients to build personalized investment strategies that align with their financial goals and changing market conditions. He specializes in family wealth management strategies, portfolio management services, and focuses on clients in the sports and entertainment sectors. Andrew customizes his strategies around clients' priorities, risk tolerance, time horizons, liquidity needs, and objectives. He is committed to Merrill's goals-based wealth management process to help clients pursue meaningful objectives, including lifestyle aspirations and securing a lasting legacy. Andrew holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He completed his high school education at Spotswood High School and earned an Associate's Degree from Middlesex County College. Additionally, he attended Kean University without conferring a degree. Outside of work, Andrew enjoys spending time with his family, swimming, and woodworking.

Nicholas Petrole is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and three years of industry experience. Before joining Mass Mutual, he held various roles including multiple positions at Rowan University and retail management at Shoprite. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. Their approach involves collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation through separate brokerage or insurance arrangements.