Timothy Mehaffey is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Advisory Services and 1st Global Advisors. Mehaffey also serves as a trustee for the Robert and Jane Malavarca Family Trust, managing life insurance trust activities. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual investors, retirement plans, corporations, charities, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of advisors, employing a multi-manager platform with various investment program options.

Terrence Ryan is a CFP® with 37 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank since 2006. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

John Lederer is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2025, he spent 11 years at Oppenheimer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing model portfolios and research from various sources to support both discretionary and non-discretionary management approaches.

John Sullivan is a CFP® and PFS™ credentialed financial advisor with 35 years of industry experience. He is currently with Cetera and has previously worked at Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory work, he is a member of Bonji Bowls LLC, a business owner. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures.

Christopher Gillan is a financial advisor with Ameriprise in Morristown, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of advising, he serves as president of the board of directors for Partners in Business and is involved in alternative energy supply and independent insurance brokering. He also pursues acting in his spare time. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets and provides a range of advisory, brokerage, and insurance solutions through affiliated companies. The firm employs a centralized consulting team to deliver non-discretionary, research-driven recommendations that integrate tax efficiency and adaptive withdrawal strategies.

Russell Slader is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Slader owns Slader Financial, LLC, an investment-related business. 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, including specialized areas such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Jennifer Hutchison is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Primerica and affiliated firms since 1998. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliates of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Dawn Sakolsky is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with LPL Financial since 2008. In addition to her advisory role, she is a notary public in Denville, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including retirement plan consulting and brokerage services, with access to model portfolios, research, and various management approaches.

James Murphy is a Series 66-licensed financial advisor with J.P. Morgan Securities, bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2017 and previously held roles at Morgan Stanley and Morgan Stanley Private Bank. J.P. Morgan Securities LLC 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Frank Heter Jr. is a financial advisor with Morgan Stanley in Little Falls, NJ, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has worked with Morgan Stanley and its predecessor firms since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies to assist clients.

Francis Dunn is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for seven years. Outside of his advisory role, Dunn provides occasional wrestling lessons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals and supports a broad network of advisors and affiliated firms.

Anthony Siciliano is a financial advisor with Primerica Advisors in Mahwah, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. His career includes roles at Primerica Financial Services and PFS Investments Inc. He is involved in other business activities related to investment products and mortgage loan sales, and manages two legal entities formed for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.

Roy Nazaroff is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2008. Prior to that, he worked at Provident for 16 years. Nazaroff also operates a separate business under the name Financial Resources Group in Warwick, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house research and third-party subadvisors.

Alexander Carr is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise in Montclair, NJ since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, Carr serves on a local board of directors and participates in its finance committee. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Kim Stires is a financial advisor with Wells Fargo Advisors based in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 47 years of industry experience. Their career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a current tenure at Wells Fargo Advisors since 2023. Outside of advisory work, Stires has a part ownership in Investment Strategies, an investment-related business in Cedar Knolls, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services that include a broad range of planning areas. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Gregory Longo is a financial advisor with Cetera in Clifton, NJ, holding Series 63 and Series 66 licenses and having 30 years of industry experience. His prior work includes roles at Citizens Securities, INVEST Financial Corp., and Investors Bank. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to both affiliated and third-party managers.

Adam Abida is a financial advisor at Merrill Lynch Wealth Management. He focuses on providing personalized guidance to individuals and families, helping them pursue their financial goals through strategies tailored to their unique priorities. Adam specializes in personal retirement planning, portfolio management services, socially responsible and values-based ESG investing, and tax minimization. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is also a member of The National Society of Leadership and Success. His approach involves working closely with clients to define their goals and adapting portfolio strategies as their situations evolve. Outside of his professional role, Adam has interests in chess, golfing, music, and reading.