Hema Joshi is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Ameriprise in Flemington, NJ. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports that support income planning and Social Security decisions.

David Fernandez is a financial advisor at MassMutual Investors Services with 25 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Charles Schwab. Outside of his advisory role, he serves as the treasurer of a condominium association and works as an insurance broker specializing in life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers specialized event-driven planning services.

James Oertling is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. since 2017. 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 strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Phillip Hopewell is a financial advisor at Merrill with Series 66 credentials and less than one year of industry experience. His background includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as service in the U.S. Navy from 2017 to 2023. He also has academic experience from Baruch College and brief positions in the hospitality sector. 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.

Mena Ayad is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2020, serving as a Financial Consultant before his current position. Prior to joining Fidelity, Mena worked at Vanguard from 2015 to 2020 in various roles including Financial Advisor, High Net Worth Brokerage Investment Professional, and Brokerage Investment Professional. Mena holds an MBA in Finance from Rutgers University and is a Certified Financial Planner (CFP4). He is licensed in insurance in California. He focuses on assisting clients in working towards their financial goals by building long-term relationships and paying attention to detail. Outside of his professional career, Mena enjoys family activities, fitness, football, parenthood, and traveling. He is also involved in serving in his church.

Colin Douglas is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill in 2025, he was involved with Sidekicks Respite Services and operated Cafe Antonios, alongside roles in education and entrepreneurship. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Michael Pimpinelli Jr. is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and five years of industry experience. Prior to joining Mass Mutual, he worked at Abercrombie & Fitch for two years and has experience from Seton Hall 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 tools to analyze client goals and deliver written recommendations.

Joseph Mccusker is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, MassMutual Life Insurance Company since 2016, and Metlife Securities Inc. from 1974 to 2017. Outside of his advisory work, he serves as an independent insurance agent for small group and individual health insurance plans and is president of his condominium association. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing detailed client assessments and firm-approved software to develop investment recommendations.

Emre Hasmet is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Fidelity, he worked at Unity Bank and held roles in the private sector at Atlantic Supermarket Equipment and AmerAsia International. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Eric Rose is a financial advisor with Equitable Advisors in Jersey City, NJ, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2014 and was also associated with Axa Advisors during part of that time. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management via LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to execute client recommendations.

Richard McCabe Jr. is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 credentials and has 23 years of industry experience. His prior work includes 14 years at METLIFE Securities Inc. He also operates as an insurance agent assisting clients with life, disability, long-term care, fixed annuities, property and casualty, and health insurance, as well as helping clients interested in selling their life insurance policies. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Christopher Bunsa is a financial advisor at Equitable Advisors with six years of industry experience. He holds Series 63, 65, and 66 designations. His prior roles include positions at Preqin, Moody's Analytics, Columbia Management Investment Distributors Inc, and Fidelity Investments Institutional Services Company. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Mario Digiacomo is a financial advisor with Merrill, holding a Series 66 designation and 28 years of industry experience. He has been with Merrill and its affiliate Bank of America N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional entities.

James Cunningham is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior experience includes 12 years at MetLife Securities Inc. and ongoing roles with Massachusetts Mutual Life Insurance Company since 2016. Additionally, he is involved with Force Financial Associates as a financial educator and works in insurance sales with Force Benefits Consultants and Insurance Solutions LLC. MassMutual 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 tools to deliver collaborative, goal-oriented recommendations.

Anthony Molfino is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Planning Alliance, and Richards Rentals and Stylized Events. Outside of finance, he has experience working in retail and operations, including at Dick's Sporting Goods and Magic Wash Car Wash. 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.

Arthur Vincent is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2010. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Guerin is a Certified Financial Planner (CFP®) with 35 years of industry experience, currently affiliated with LPL Financial in Bridgewater, NJ. He has held positions at Peapack-Gladstone Bank and Linsco/Private Ledger since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Joseph Nelligan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as a financial quarterback for his clients, employing a comprehensive approach to wealth management that starts with attentive listening to understand each client's unique goals. Leveraging the investment insights of Merrill and the banking services of Bank of America, Joseph integrates various aspects of his clients' financial lives to provide tailored strategies. Joseph's expertise encompasses college education planning, divorce transition planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Drexel University. Committed to community involvement, Joseph follows Merrill's tradition of participating in the communities served and volunteers with the Delaware Valley Alzheimer's Association. Outside of his professional life, he enjoys golfing, music, spending time with his family, and traveling.

Jenna Ball is a financial advisor at Morgan Stanley with 18 years of experience at the firm. She holds a Series 66 designation and is based in Lawrenceville, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analysis models as part of its financial planning process.

James Carle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1985 and currently holds the positions of Senior Vice President and Senior Financial Advisor. James holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). James specializes in helping clients develop and review personalized investment management strategies with an emphasis on proper asset allocation and diversification. His expertise covers a range of client focus areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He also serves on the Retirement Planning Financial Advisory Board at Merrill and is a 529 Program Coordinator. James earned a Bachelor’s degree in Business Management from Franklin & Marshall College. He lives in Bernardsville, New Jersey, where he is active in the community. He has served as President of the Board of the St. John's on the Mountain Nursery School, participated on the Board of the Somerset Hills Little League, and coached multiple youth sports. James is also a lector at Our Lady of Perpetual Help Church and has served on the School Advisory Committee for The School of St. Elizabeth.