Richard Morrow is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior experience includes roles at Sagepoint Financial, OSAIC Services, and Sunamerica Securities. He is also a licensed agent selling fixed life and fixed annuities and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Bindu Menon is a Series 66-licensed financial advisor with 11 years of industry experience. She is currently with J.P. Morgan Securities, where she has worked since 2021. Prior to this, she held roles at PNC Investments and PNC Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process involves centralized due diligence, combining quantitative and qualitative research to build model asset allocations, with clients maintaining final decision-making authority.

John Mc Caffery is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior work includes roles at Deloitte & Touche LLP and TP ICAP plc, as well as an academic period at James Madison University. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved software and structured annual planning engagements.

Malgorzata Kaczynski is a financial advisor at Primerica Advisors with five years of industry experience. She holds Series 65 and Series 63 licenses and has worked previously at GWN Securities Inc. In addition to her advisory role, she has been involved with Westfield Public Schools for over two decades. Kaczynski also participates in sales of non-investment related products through Primerica affiliates, including home security and automation services. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Thomas Donlon is a Series 66-licensed financial advisor with Merrill, based in Iselin, NJ, and has three years of industry experience. His prior roles include positions at Bank of America and Raistone Capital. He also has a background that includes work at Lebanon Valley College and Six Flags Great Adventure. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yin Long is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and with 33 years of industry experience. He has been with MML Investors Services since 1998 and with Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory work, Long serves as a board member of the New Jersey Chinese American Chamber of Commerce and is a trustee for both the New Jersey Symphony and Classically Connected, Inc. He is also involved in consulting for Wycentaur Tea LLC and co-founded Miao Consulting LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools to inform investment strategy recommendations.

Brendan Black is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside the financial sector, he served at Blue Star Lacrosse for four years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through its proprietary research and capital markets platform.

Nilesh Patel is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Mini Circuits for five years and Chemetall, part of BASF, for 21 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Christopher Bramwell is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include seven years at Fisher Investments and five years with Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors, focusing on asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory framework.

Richard Albanese is a CFP®-certified financial advisor with Edward Jones in Branchburg, NJ, where he has worked since 2015. He holds the Series 65 and Series 66 licenses and has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Andrew Reiss is a financial advisor at Cetera with Series 65 and Series 63 credentials and no prior industry experience before joining the firm. He has been with Cetera since 2025 and also works with Gerald Reiss CPA, where he has been involved since 2015. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform that provides access to affiliated and third-party investment strategies.

Justin Gallagher is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and seven years of industry experience. His career includes roles at several firms such as The Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Gallagher is also involved in non-variable insurance activities related to Prudential. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is typically model-driven, offering access to third-party asset managers and participating in the Model Wealth Portfolios wrap program.

Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

Marlene Burns is a CFP® professional with 31 years of experience in the financial industry, currently serving as an advisor at Ameriprise since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is employed as a decor associate at Terrain, a home decor and gardening retailer. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides retirement-income planning and tax-aware withdrawal strategies through a collaborative, non-discretionary approach involving specialized research and tools.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank, and PNC Bank. Outside of his advisory role, he is employed as a Range Safety Officer at RTSP LLC, a gun range in Randolph, NJ. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Timothy Mcdonald is a financial advisor with UBS Financial Services in Princeton, NJ, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

David Biebelberg is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. Prior to joining OSAIC in 2010, he worked at Merrill from 2002 to 2010. He is also a partner at Elite Wealth Group and involved in the sale of fixed insurance products through other business activities. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management strategies.

David Klics is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2007. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process integrates quantitative and qualitative due diligence and may incorporate an ESG eligibility framework.

Robert Imparato Jr. is a CFP® with 33 years of industry experience and has been with Equitable Advisors since 2000. Prior to the rebranding, he worked at AXA Advisors, LLC for 20 years. Outside of his advisory role, he serves as President of Clutch Hitting of Staten Island, Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a range of clients including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of investment models and third-party asset managers to tailor solutions for its clients.