Roberto Pennella is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. His prior work includes roles at Barnum Financial Group, LPL Financial, and MassMutual Life Insurance Co, as well as entrepreneurial and service positions outside the financial industry. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools and offers a range of event-driven planning services.

Thomas Cometa is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 25 years of industry experience. He previously worked at UBS Financial Services Inc. for 10 years before joining Wells Fargo Advisors in 2018. Cometa has ownership interests in investment-related entities focused on succession planning and operates part-time in the insurance business. 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 options and integrates advisory services with banking and other financial products.

Gordon Haas is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the CFP® designation as well as Series 65 and Series 63 licenses. His prior experience includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Tapfin/EY, and founding Haas Wealth Strategies LLC. Haas hosts a podcast focused on retirement planning through his media venture, Gen-Relational Wealth. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Louis Jondee is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2022 from First Republic Private Wealth Management. Louis specializes in financial and estate planning services, personalized portfolio management, and risk management, supporting clients through various stages from initial savings to retirement and complex diversification strategies. With over ten years in the financial services industry, Louis has experience working with business owners and corporate executives, focusing on areas such as equity compensation, defined benefit and contribution plans, nonqualified deferred compensation plans, exit planning, and integrating corporate benefits into long-term financial strategies emphasizing tax efficiency. His client focus areas include equity compensation services, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, women and wealth, tax minimization, and retirement income. Louis holds a Bachelor's Degree from Baruch College and has earned multiple professional designations, including Certified Private Wealth Advisor (CPWA), Certified Portfolio Manager (CPM), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Retirement Accredited Financial Advisor (RAFA), and Personal Investment Advisor (PIA). He is involved with the Catholic Youth Organization and has personal interests in boxing, chess, fishing, hiking, and running.

Clarke Arline is a financial advisor with Primerica Advisors in Elmsford, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Primerica Advisors since 1995 and Primerica Financial Services since 1994. Outside of advisory work, he is involved in the sale of loan products and home security and automation referrals through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

John Doran is a CFP® and ChFC® with 23 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2017, following a brief tenure at Edward Jones. 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 and investment management capabilities.

Mark Skirbe is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab. J.P. Morgan Securities 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 and investment management capabilities.

Vladislav Zherenovsky is a financial advisor with LPL Financial, holding a Series 66 credential and 20 years of industry experience. He has worked previously at VOYA Financial Advisors and has been involved with Kraner, LLC for over a decade, where he also engages in tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker‑dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, supported by various model portfolios and research, and provides both discretionary and non-discretionary management.

Beena Maharjan is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has been associated with Primerica Advisors since 2000, with a brief period of unemployment from 2015 to 2025. Outside of advising, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities, providing a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

David Hartgers is a Series 66 licensed financial advisor with two years of industry experience, currently with Wells Fargo Advisors. He previously worked at Ameriprise Financial Services and has a background that includes coaching as the head coach for the Wyckoff Recreational Department. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing proprietary research and planning tools to deliver tailored recommendations.

Andrew Massello is a financial advisor with LPL Enterprise and holds a Series 63 designation. He has 36 years of industry experience, including 34 years at Pruco Securities, LLC before joining LPL Enterprise in 2024. Outside of his advisory role, he owns and operates an insurance and financial services agency in Yonkers, NY. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform that combines advisory and brokerage channels.

John Blanos is a CFP®-certified financial advisor with 41 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation for eight years. His activities include providing non-variable insurance products such as life insurance and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and technology-driven investment strategies.

Daniel Mahoney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 1984 as an institutional bond trader before transitioning to a Financial Advisor role in 1985. Over his career, he has developed expertise in areas including college education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Daniel holds a Bachelor of Science degree from Fordham University, where he was a member of Beta Gamma Sigma, and a Master of Business Administration from Columbia University. He has also earned professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Daniel has personal interests that include golfing, hiking, reading, and skiing.

Bryan Dunst is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Wayne, New Jersey. He provides financial advisory services to a diverse clientele including families, private and public business non-profit organizations across the United States. He assists clients in portfolio management, corporate retirement, small business strategies, personal retirement planning, tax minimization, and socially responsible investing. Bryan is known for a consultative approach focused on helping clients make informed decisions to grow and preserve wealth. Bryan holds numerous professional certifications including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Plans Specialist™ (CRPS), Certified Portfolio Manager (CPM), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has extensive experience speaking and training on financial topics such as portfolio preservation, asset allocation, effective portfolio management, and estate planning. Bryan earned a Bachelor's degree in Business Administration from Ramapo College and a Master's degree in Finance from Fairleigh Dickinson University. Outside of his professional career, Bryan is a Mensan and a Mason, and is involved with NY/NJ Blood Services. He resides in Kinnelon, New Jersey with his wife Natalie and their four sons. His personal interests include hiking, music, spending time with family, and watching movies.

Nadezda Timokhova is a Financial Advisor at Merrill Lynch Wealth Management. She combines her background in investment research, company valuation, and capital markets analysis with her financial planning expertise to assist clients in making informed financial decisions. Nadezda works with individuals, families, and business owners to address a variety of financial priorities, including investing, retirement planning, and preparation for expected and unexpected life events. She places emphasis on understanding each client's goals, priorities, and financial situation in order to develop personalized strategies aligned with their objectives. Nadezda is committed to building long-term relationships and providing guidance as her clients' needs and circumstances evolve to help them pursue greater financial confidence over time. Nadezda holds a Doctorate Degree from the State University of Management and has earned professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). She is proficient in English and Russian.

Anthony Gallucci is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of experience in the financial industry, including roles at MassMutual Life Insurance Co and Folor Inc. Prior to his advisory career, he was employed at Baruch College, Imprintive Commercial Art, and Temple University. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements and a range of investment and educational programs.

David Laster is a CFA® charterholder and holds a Series 66 license with 13 years of industry experience. He has worked at Edward Jones since 2018 and previously was with Merrill from 2010 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 strategies and affiliated investment products, managing approximately $1.01 trillion in assets and supported by a nationwide network of more than 23,700 financial advisors.

Isaac Frankel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leverages more than 25 years of investment management experience, including roles as a fixed income portfolio manager for mutual funds, pension plans, endowments, insurance companies, and high-net-worth individuals. Since joining Merrill in 2011, Isaac has applied the Goals-Based Wealth Management process to create personalized financial plans tailored to each client's unique needs and goals. He collaborates closely with internal partners at Bank of America and Merrill to implement wealth-building and income-generating strategies. Isaac holds a bachelor's degree in engineering and computer science from Princeton University and an MBA in finance from the Wharton School at the University of Pennsylvania. He is a Certified Financial Planner (CFP) certificant and a Personal Investment Advisor (PIA). His professional affiliations include membership in the Estate Planning Council of Bergen County. Additionally, he has served as an adjunct instructor of Economics and Finance at Fairleigh Dickinson University and volunteered as an income tax preparer with The Food Bank of New York City's VITA program. Outside of his professional work, Isaac resides in Fort Lee, New Jersey, with family members living in Boston and New York City. His personal interests include music, reading, skiing, tennis, spending time with family, and watching movies.

Carlos Gutierrez is a Financial Consultant currently working at Fidelity Investments. He has held various positions within Fidelity Investments since 2022, including Investment Consultant and Financial Consultant. Prior to his roles at Fidelity, Carlos served as an AVP Financial Advisor at Merrill Lynch from 2018 to 2022. Carlos specializes in simplifying the financial planning process by fostering clear communication and providing ongoing support. He strives to help clients feel educated, informed, and confident as they navigate their financial planning. Outside of his professional responsibilities, Carlos is interested in activities such as camping, cooking and baking, fitness, outdoor adventures, reading, and volunteering.

Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving 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 access to affiliated and third-party managers, supporting various program structures and custodial relationships.