John Cooney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. His expertise encompasses family wealth management, legacy planning, institutional consulting, managing new wealth, portfolio management services, and retirement income planning. John leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. John holds a Bachelor's Degree from Dominican College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional activities, John enjoys baseball, golfing, and spending time with his family.

Robert Goldstein is a financial advisor with LPL Financial based in Fairfield, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with LPL Financial since 2004 and also leads The Astorino Financial Group, Inc. Additionally, Goldstein serves as a director on the board of Boling Springs Savings Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management options.

Susan Ensenat is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments, a role she has held since 2024. Her professional background includes positions as a Central Relationship Manager at Fidelity Investments from 2022 to 2024, Premier Banker at Wells Fargo from 2021 to 2022, Premier Relationship Manager at HSBC from 2017 to 2021, and Financial Professional at New York Life from 2014 to 2017. Throughout her career, Susan has focused on building trust and educating clients to co-create financial plans tailored to their individual and family needs. She emphasizes ongoing review and alignment of these plans with clients' current and future goals. Outside of her professional responsibilities, Susan enjoys cooking and baking, engaging in family activities, fitness, exploring food as a foodie, social events with friends, and kayaking.

Ellen Stuart is a financial advisor at Edward Jones with nine years of experience at the firm and prior experience working for school districts in Livingston and Chatham, New Jersey. She holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Salvatore Cocco Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors. Cocco serves on multiple nonprofit boards focused on healthcare and community support, including roles with the Michael Geltrude Foundation and the 1st Cerebral Palsy Center of New Jersey. Equitable Advisors provides financial planning and retirement-plan services to individual investors, corporations, and charitable organizations. The firm offers access to asset management through LPL programs and third-party managers, operating a hybrid referral and implementation model that combines advisory and brokerage services.

Thomas Napier is an Investment Consultant at Fidelity Investments. In this role, he provides point-in-time guidance for clients and their families, assisting them in preparing for the future and educating them on the resources available through Fidelity. He focuses on understanding client needs to collaboratively build financial plans aimed at achieving their goals. Thomas has worked in the financial services industry since 2021. His professional experience includes serving as an Investment Consultant and Investment Solutions Representative at Fidelity Investments, a Retirement Planning Consultant at AIG, and a Financial Advisor at Equitable Advisors. He holds insurance licenses in Arkansas and California.

Paul Skilton is a CFP® professional with 33 years of industry experience, currently serving as a financial advisor at Edward Jones since 2002. Based in Wayne, NJ, he holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Steve Grossbard is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 registrations and has 37 years of industry experience. He has previously worked at Prudential Insurance Company of America and First Allied Advisory Services. Outside of his advisory role, Steve is a self-defense coach and conducts self-defense seminars several times a month. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including wrap accounts and educational seminars.

Nicholas Amoresano is a financial advisor at Merrill with Series 65 and Series 63 registrations and four years of industry experience. His work history includes positions at Bank of America, Merrill, Daybreak, Inc., and University of Scranton. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Pio Defranco is a financial advisor with Ameriprise in Wayne, NJ, holding a Series 66 designation and 25 years of industry experience. He previously worked at Merrill from 2008 to 2017 before joining Ameriprise Financial Services, Inc., where he worked from 2017 until 2020. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement, focusing on clients with significant investable assets. The firm employs a combination of research, modeling, and tax-efficiency analysis to deliver personalized, written recommendation reports through a centralized consulting team.

John Kane is a financial advisor with Ameriprise in Montclair, NJ, holding a Series 66 designation and nine years of industry experience. He has worked at Ameriprise since 2018 and previously held roles at Mass Mutual Investors Services and MSI Financial Services. Kane is also a co-owner of Nexus Wealth Management LLC, where he manages an advisory business. Ameriprise is a large institutional firm offering retirement-income planning services primarily for clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Peter Kalin is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including HSBC Securities and Provident Bank. 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 featuring both affiliated and third-party managers.

Justin Hamacher is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Equitable Advisors, he worked in various roles including positions at Factory Direct Enterprises d.b.a. Ashley Homestore. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Fern Tamborra is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and 23 years of industry experience. Her career includes roles at Robert Half and Zonin Wealth Management, among others. Tamborra serves as a board member for the Biomedical Research & Education Foundation of Southern Arizona, which reviews human medical studies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Michael Topinka is a financial advisor at Raymond James Financial with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America before joining Raymond James in 2020. In addition to his advisory work, he is involved as a partner or owner in several small businesses, including e-commerce ventures started by his sons and a family manufacturing representative business in clean energy. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary investment consulting supported by analytical tools and maintains specialized programs for municipal and employer retirement plans.

David Mital is a CFP®-designated financial advisor with 40 years of industry experience, currently affiliated with Cetera. He has served at Cetera and CETERA Financial Specialists LLC since 2005 and operates his own financial services business, Mital Financial Services, since 2017. Outside of advisory work, he also runs a tax preparation service and holds a notary public commission. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with various program structures and custodial relationships.

Jonathan Marciani is a Series 66-credentialed financial advisor at Equitable Advisors with three years of industry experience. He has been self-employed as a personal trainer at VOLT Fitness since 2008. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Matthew Graf is a financial advisor with Ameriprise Financial Service, LLC, holding a Series 63 designation and 26 years of industry experience. He has worked with Ameriprise since 1999, including 15 years at Ameriprise Financial Services, Inc. Outside of his advisory role, Graf serves as president of the Packanack Golf Club board of directors and manages a business focused on operational support. Ameriprise is an institutional firm that offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations prepared by a centralized retirement-income consulting team in partnership with clients' financial advisors.

Matthew Iversen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. He previously worked at Bank of America and Merrill. Outside of his advisory role, he serves on the Board of Trustees for Montclair Film. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach includes investment policy development, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Matthew Tripodi is a Benefits & Planning Consultant specializing in Executive Services. In this role, he partners with executives to help them understand their employer benefits and co-create financial plans aligned with their goals. He has professional experience as a Workplace Planning Consultant at Fidelity from 2022 to 2026 and served as a High Net Worth Service Associate at Fidelity from 2021 to 2022. Through these roles, he has worked closely with clients to provide personalized financial guidance tailored to their unique situations.