Michael Lozowski is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 46 years of industry experience. He has been with Merrill since 1980 and is also affiliated with Bank of America since 2011. Outside of his advisory role, he serves as a committee member of the Polish University Club of New Jersey, a non-profit organization promoting Polish culture and awarding scholarships. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Al Elnasser is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 30 years of industry experience. His career includes several roles at First Allied Advisory Services and related firms before joining Cetera. Outside of his advisory work, he owns a real estate business. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options.

Mark Baccaglini is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 19 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2007. Outside of his advisory role, he serves as Vice President of the Morristown Area Little League, where he helps organize and coordinate baseball and softball programs for local youth. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering comprehensive planning on topics such as retirement, estate, tax, and special needs planning without including implementation. The firm emphasizes holistic, goal-based analyses and separates planning services from managed-account programs.

Ross Berman is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at UBS Financial Services and The Ayco Company LP. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and use of algorithmic methods and artificial intelligence in its research.

Jerryann Gober is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is involved in publishing and recreation through projects focused on guided meditations, including "Mindful Unapologetically: Guided Meditations for Black Women Discovering Rest." Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.

Joseph Bonadeo is a financial advisor at Edward Jones with 31 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Edward Jones in 2017, he worked at Charles Schwab and Charles Schwab Bank from 1999 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Joseph Giaimo is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Fedway Associates and the Rutgers University Foundation. He is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products alongside investment services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and offers capabilities in derivatives and commodities through various regulatory registrations.

Don Santangelo is a financial advisor with Edward Jones in Pompton Plains, NJ, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Zumper, HomeKeepr, RentCred Inc, and Century 21 Gemini LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Jon Wohlgemuth is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 29 years of experience in the financial services industry, with a background in investment banking and trading. This experience allows him to provide a customized approach to investing and risk management for his clients. Jon holds the professional designations of Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning Institutes Corp and Personal Investment Advisor (PIA). He earned his high school diploma from Glen Ridge High School and a bachelor's degree from Montclair State University. He currently resides in North Caldwell, NJ, with his wife Tara and their children, Jack and Kate.

Dante Zicarelli is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and three years of industry experience. He has previously worked with M Holdings Securities, Inc., and has experience in both academic and entrepreneurial roles, including positions at Ramapo College of New Jersey and as an owner of Little Italy Pizza. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients, utilizing tailored, non-discretionary planning and analytical tools. The firm supports a large advisor network and offers specialized programs including municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Nicholas Klein is a Planning Consultant at Fidelity Investments, where he works with individuals and their families to develop comprehensive financial plans. In his role, he focuses on building trusting relationships and understanding clients' personal and financial goals to create tailored strategies. Prior to his current position, Nicholas served as a Relationship Manager at Fidelity Investments from 2024 to 2026 and as a Financial Representative from 2023 to 2024. Through these roles, he has gained experience in financial planning and client relationship management. Further details on his education, credentials, and personal interests have not been provided.

Christopher Mccarthy is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that incorporates a structured discovery process and firm-approved planning tools.

Vladimir Mindel is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC since 2009, currently also affiliated with City National Bank. Outside of his advisory role, he officiates high school fencing tournaments in New Jersey as an independent consultant. RBC Wealth Management serves a diverse client base, including individuals, institutions, and charitable organizations, offering customized portfolio management and financial planning through various advisory programs. The firm utilizes a combination of in-house and third-party investment managers and provides options such as tax management and responsible investing tailored to client risk profiles.

Dennis Oconnor is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Advisors since 2012. Oconnor is also associated with Investment Strategies Group, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning solutions, from retirement and education to specialized areas like business-owner transition and special-needs analysis, using proprietary research and tools to tailor client recommendations.

Robert Torcivia is a financial advisor at Morgan Stanley in Morristown, NJ, with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked at 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 that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services under both individual and corporate financial planning agreements.

Jacob Woody is a financial advisor at RBC Capital Markets in Florham Park, NJ. He holds Series 63 and Series 65 licenses and has experience working with firms including Fountainhead Advisors and Charles Schwab. His career background also includes roles outside traditional finance such as at Orangetheory Fitness and involvement with the Campaign For Working Families. RBC Wealth Management serves a diverse client base, including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with customizable investment strategies and integrates in‑house and third‑party managers to meet client-specific needs.

Paul Zielinski is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera since 2011. In addition to his advisory role, Mr. Zielinski owns and operates an accounting and tax practice, Worster & Associates CPAs, where he provides tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and investment strategies.

Rachel Borriello is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and nine years of industry experience. Her prior work includes roles at National Securities Corporation and Fidelity Brokerage Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic methods, and it holds distinctive registrations such as a CFTC commodity pool operator license.

Katherine Schneider is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with Cetera Wealth Services, LLC and Cetera, having joined in 2025. Prior to this, Katherine worked at Avantax and has additional experience with tax and CPA firms, including her own tax practice where she prepares tax returns and provides tax planning for individual, trust, and business clients. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Alan Concha III is a CFP® with seven years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Merrill, Bank of America, Smallwood Wealth Management, and Securities America Advisors. Outside of his advisory work, he is employed at Aero Flight School in a non-investment capacity. 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 range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational tools.