Robert O'Herlihy is a financial advisor with Wells Fargo Advisors in Hackensack, NJ, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Wells Fargo Advisors since 2016. Outside of his advisory role, he is the owner of Blue Horseshoe Holdings and serves as a trustee for Blue Horseshoe Holdings 401K. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, using Wells Fargo research and planning tools to develop and deliver financial recommendations.

Robert Johnston is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in developing strategies for high-net-worth individuals, their families, and businesses. He joined Merrill Lynch Wealth Management in 2010 and has been in the financial services industry since 2008. His approach to wealth management is consultative and objective, focusing on personalized asset allocation and comprehensive financial planning, including investments, retirement, estate planning, and philanthropy. Mr. Johnston is a 1985 graduate of Rutgers University with a Bachelor of Science in Accounting. He holds the CERTIFIED FINANCIAL PLANNER™ professional designation, the Certified Public Accountant license from New York state (not actively practicing in his advisory role), as well as certifications as a Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Robert Johnston is involved in community service, having served as past President of the Oradell/Emerson Rotary Club and as a board member for West Bergen Mental Healthcare and the Volunteer Center of Bergen County. He also coaches youth sports teams. He resides in Emerson with his wife Michele and their two daughters.

Craig Cutler is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial since 2003 and holds Series 63 and Series 66 credentials. Outside of his advisory role, he participates in competitive disc golf tournaments through the Professional Disc Golf Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of advisers.

Jacqueline Cicale is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with the firm since 1985 and has partnered with Judith for over 37 years. Jacqueline specializes in portfolio strategy, focusing on creating wealth for both business clients and individuals. Her expertise includes designing strategies to manage cash flow, lending, corporate retirement plans, and stock option plans for business clients. For individual and family clients, she constructs investment portfolios aligned with their specific goals and regularly reviews and adjusts these portfolios in response to changes in global markets. Jacqueline holds a Bachelor's Degree from Mercy College of Health Sciences and holds the Professional Investment Advisor (PIA) designation. Over the years, she has been recognized multiple times by Forbes, including listings on the "Best-in-State Wealth Advisors," "Top Women Wealth Advisors Best-in-State," and "Best-in-State Wealth Management Teams" for several consecutive years. These recognitions reflect her sustained experience, client retention, and adherence to industry best practices.

Thomas Ross is a Wealth Management Advisor with Merrill Lynch Wealth Management who has been with the firm for over 20 years. In his role, he focuses on developing personalized financial strategies tailored to clients' full financial pictures, with particular emphasis on family wealth management strategies, legacy planning, managing new wealth, and retirement income. He integrates investment insights from Merrill along with banking and lending solutions from Bank of America to help clients pursue their long-term goals. Prior to joining Merrill Lynch, Thomas was a Relationship Manager in the Corporate Banking area at a major metropolitan bank. He holds a Bachelor's Degree in Economics from Rutgers University and a Master's Degree in Finance from the New Jersey Institute of Technology. He is also designated as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Thomas resides in Northern New Jersey with his wife and three children. He is active in his community and spends time volunteering with local organizations. His personal interests include skiing, hiking, biking, basketball, boating, cooking, football, reading, traveling, and watching movies.

Steve Killebrew is a financial advisor with Ameriprise in Ridgewood, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured process supported by algorithmic automation and oversight committees.

Edward Alligier is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Primerica Advisors since 2018, with prior experience at Equitable Advisors and PADI. Outside of his advisory role, he owns Alligier Health and Entertainment, LLC, which provides personal training and character birthday party entertainment. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and a limited number of separately managed account options structured as a wrap-fee solution.

Paul Shirinian is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Charles Linfante Jr. is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and MassMutual Investors Services since 2016. Outside of his advisor role, he is involved in insurance brokerage activities, including life, health, disability, and property/casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved software and provides a range of planning services including estate and employer-sponsored planning.

James Langham is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 13 years before joining Mass Mutual in 2023. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that provide written recommendations using firm-approved software.

Gary Alfonso is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has worked with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes IPS-driven processes and a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Timothy Brogan is a financial advisor with RBC Capital Markets in Pompton Lakes, NJ, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at RBC Capital Markets since 2008 and has also been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies according to client risk profiles.

Kevin Barone is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2019. Prior to that, he held positions at Vector Marketing and Collector's Cafe and attended Bloomsburg University of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling as part of its advisory process, serving a broad range of clients through various financial strategies.

Kevin Maguire is a financial advisor with Edelman Financial Engines, holding Series 63, 65, and 66 licenses and possessing 38 years of industry experience. He has been with Edelman Financial Engines since 2025 and previously worked at related entities including Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management with an emphasis on diversified model portfolios, periodic rebalancing, and long-term orientation.

Michael Lipani is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 licenses and has 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and has held ownership roles in GSXAWD Holdings, a personal holding company for automobiles, and SPQR Properties, a real estate business focused on rental income. 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 its Wealth Advisors. The firm combines large institutional advisory capabilities with brokerage and investment management functions.

Joseph Cohen is a financial advisor with LPL Financial in Tarrytown, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2017 and also at National Planning Corporation since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Jeffrey Jacobs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory role, he is involved in property and casualty insurance-related activities through Plymouth Rock in Fairfield, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through a platform that integrates adviser programs with a range of financial products and third-party asset management.

Richard Hennessy Jr. is a financial advisor with Mass Mutual Investors Services who holds 38 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 30 years. He also maintains a role with MassMutual Life Insurance Co. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements focused on collaborative annual relationships and the use of firm-approved analytical tools.

Jeffrey Alecci is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 63 designation and 38 years of industry experience. He has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to clients’ goals and risk tolerances.

Michael Gorman is a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management. He has been an advisor with Merrill since 1991 and holds a Bachelor's degree in Finance from Iona College. With over 30 years of investment management experience, Michael assists clients with financial, retirement, and estate planning needs. His expertise includes retirement income advice, investment asset allocation strategies, liability management, cash management, and working capital needs of corporations and small businesses. His client base includes high net-worth individuals, families, senior-level executives, business owners, corporations, non-profit institutions, endowments, and estates. Michael has earned several professional designations, such as Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2017 through 2024. Outside of his professional career, Michael enjoys golfing, reading, and skiing.