Thomas Avanzato is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 designation and has worked at firms including Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of his advisory role, he has been involved with Dahdex TCG LLC and previously with the company Sassy Lemon Co. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions, incorporating an ESG eligibility framework and leveraging affiliates for implementation and portfolio services.

Christine Benson is a financial advisor at Merrill with eight years of experience at the firm and a Series 66 designation. Prior to joining Merrill in 2018, she spent fourteen years with Raised Family. Outside of her advisory role, she is a fitness instructor at Hackettstown Dance Fitness. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, and various institutional investors using model-based and discretionary investment strategies developed by internal and third-party managers.

Gary Capaldo is a CFP®-certified financial advisor with over 32 years of industry experience. He is currently with Cetera Investment Advisers LLC and has a background at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he teaches as a CFP instructor at Wagner College and serves as treasurer for two youth baseball and softball nonprofit organizations. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Robert Pallitto is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at affiliated firms including J.P. Morgan Chase Bank NA. 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 searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research and may incorporate ESG criteria in its recommendations.

Ian Stewart is a Planning Consultant who collaborates with clients to develop financial plans tailored to their goals and objectives. He has professional experience as a Relationship Manager at Fidelity Investments from 2022 to 2023, and as a Financial Representative at Fidelity Investments from 2021 to 2022. In 2021, he also worked as a Financial Consultant at Equitable. Outside of his professional work, Ian is interested in family activities, fitness, football, parenthood, and pets.

Dominick Tomeo Jr. is a financial advisor at Merrill with 32 years of industry experience, including over three decades at Merrill. He holds Series 63, Series 65, and Series 66 credentials. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Janet Oleary is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior work includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Transamerica Capital Inc, Princor Financial Services Corporation, and Principal Life Insurance Company. She has been with Merrill since 2020. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Gregory Burke is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Gregory works closely with clients to develop flexible strategies that address their full financial picture and adapt to changing market conditions. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and retirement income. Gregory holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Kean University. In addition to his professional work, Gregory participates in community activities in keeping with the Merrill tradition of service. He volunteers with local organizations and has personal interests that include basketball, boating, camping, cooking, gardening, hiking, ice hockey, skiing, spending time with his family, and traveling.

Lori Mc Guinness is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. Her career includes roles at Morgan Stanley, Wells Fargo Advisors, and David Lerner Associates. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Thomas Foley Jr. is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as AXA Advisors. Foley serves as a board member and trustee for the Semper Fi Santa Foundation, a nonprofit organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory programs and third-party asset managers to deliver customized investment solutions.

Eric Penna is a financial advisor with Ameriprise in East Brunswick, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2011. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, using a centralized consulting team to deliver written recommendation reports focused on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients and offers a range of advisory, brokerage, and insurance solutions through affiliated entities.

James Vellanti Jr. is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides investment advice and access to banking and lending services through Bank of America. His approach involves understanding clients' priorities to create personalized investment strategies. James specializes in various aspects of financial planning, including general investing, retirement planning, and preparing for unexpected financial needs. He engages with clients to discuss their goals and provides ongoing guidance as their circumstances evolve. He holds a Bachelor's Degree from the University of Delaware and holds the Professional Investment Advisor (PIA) designation.

Philip Tse is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for eight years and at GEOMETRY GLOBAL, a WPP company, for five years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and a broad range of advisory and non-advisory financial services.

Joseph Torres is a Wealth Management Advisor with 35 years of experience serving affluent families, small businesses, institutions, and endowments. He holds the CERTIFIED FINANCIAL PLANNER® certification and is also designated as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His practice includes expertise in banking, estate planning, taxation, philanthropy, liability management, and portfolio management. A native of Staten Island, Torres graduated from Monsignor Farrell High School and earned a Bachelor's Degree in Economics from New York University. He is actively involved in the Staten Island community, holding committee positions and serving on the boards of organizations such as the Staten Island Economic Development Corporation, Staten Island Chamber of Commerce, South Shore Rotary, Richmond University Medical Center, Project Hospitality, Community Board 2, and The Noble Maritime Collection. Torres lives on Staten Island with his family. His personal interests include baseball, cooking, fishing, football, golfing, music, and photography. He values collaborative relationships in wealth management and focuses on developing personalized financial strategies to help clients pursue their long-term goals.

James Mcdavitt is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as co-trustee for his mother's family trust and executor for his brother. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and utilizes research and analytics to support investment decisions grounded in diversification and modern portfolio theory.

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.

Steven Tenenzapf is a financial advisor with Equitable Advisors in Marlboro, NJ, holding a Series 66 designation and 14 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked with Axa Advisors, LLC. Outside of his advisory role, he is involved with the Edward R DeFeo Insurance Agency focusing on property and casualty insurance. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a combination of internally managed and third-party advisory programs to tailor investment solutions based on client risk tolerance and objectives.

Michael Geltrude is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 credential and has experience at Deloitte and Geltrude & Company, LLC prior to joining Equitable Advisors. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models, with a focus on matching clients to appropriate investment solutions and providing ERISA fiduciary services to qualified plans.

Claudia Baggot is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and 34 years of industry experience. She previously worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2013 to 2024. Outside of advising, she is involved in retail pharmacy work. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily employs model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.