Heena Dhruv is a financial advisor with LPL Financial in Princeton, NJ, holding Series 66 and Series 63 licenses and 13 years of industry experience. Her prior roles include positions at Bank of America, First Manhattan Co, and AXA Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

James Barry is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch for over 22 years, having joined from Merck & Company's Vaccine Division where he gained experience in Corporate Finance and Strategic Planning. James assists a diverse client base including families, individuals, and institutions, focusing on tailored financial solutions that reflect each client's unique circumstances and goals. His expertise encompasses areas such as college education planning, executive compensation, legacy and philanthropic planning, tax minimization, and retirement income. James and his team prioritize understanding clients' needs to provide comprehensive service. He holds a Bachelor's Degree from Boston University and a Master's Degree from Rice University. He is also a Certified Private Wealth Advisor (CPWA) and a Personal Investment Advisor (PIA). James is actively involved in his community, serving as Treasurer on the Chapin School Board of Trustees, Co-Chair of Rice University 360 since 2017, and Co-Chair of Rutgers University's BIG IDEAS Campaign. He lives in New Hope, PA, and Naples, FL with his family. His personal interests include baseball, golf, travel, music, reading, and spending time with his family.

Katherin Romero is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 1996 and co-founded the Lugones & Romero Group. In her role, she assists clients and businesses in managing their wealth through a comprehensive approach that begins with listening to client needs and ensuring strategies align with their goals. Katherin serves a diverse clientele, including executives, retirees, entrepreneurs, and those in transition, focusing on areas such as family wealth management, personal retirement planning, legacy planning, and tax minimization. Katherin holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor's Degree from Pennsylvania State University. Recognized for her professional achievements, she has been named multiple times to the Forbes "America's Top Women Wealth Advisors Best-in-State" and "Best-in-State Wealth Advisors" lists, and to the Working Mother/SHOOK Research's "Top Wealth Advisor Moms" list. She is a past president and member of the Junior League of Greater Princeton. Fluent in Spanish, Katherin and her husband reside in Bucks County, Pennsylvania, with their two children. Outside of her professional commitments, she enjoys cooking, golfing, skiing, tennis, traveling, and spending time with her family. She is involved in community organizations including Rise, Arm and Arm, and HomeFront.

James Fahey Jr. is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management in Bedminster, New Jersey. He leverages decades of experience and his military background as a U.S. Navy veteran to serve executives, healthcare professionals, retirees, and business owners. His work focuses on navigating retirement planning, managing concentrated stock positions, equity compensation, and addressing complex wealth planning decisions. James holds multiple professional designations, including Chartered Life Underwriter (CLU), Accredited Asset Management Specialist (AAMS), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned an Accredited Certificate from the College for Financial Planning. Additionally, Jim advises retirement plan sponsors and fiduciaries on plan governance and best practices. He is a member of professional organizations such as the Greater Middlesex Somerset County Estate Planning Council and the Somerset County Business Partnership. His community involvement includes affiliations with Blair Academy, Fordham University, Lafayette College, and Lehigh University. James emphasizes providing clear, practical advice and disciplined financial guidance tailored to clients’ goals.

Daniel Botero Torres is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. His work history includes positions at the University of Miami and several educational institutions. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, employer-sponsored retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated non-securities products and services.

Sara Smedley is a CFP® and ChFC® with 12 years of industry experience. She is currently affiliated with LPL Enterprise and has previously worked at Prudential Insurance Company of America and New Providence Financial, LLC. LPL Enterprise serves a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, third-party asset management access, and insurance product facilitation through affiliated entities.

Kai Chen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to his financial services career, he held roles at HomeGoods and Ikea. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management functions.

Beth Meszaros is a financial advisor at Cetera with 17 years of industry experience. She holds a Series 66 designation and has worked with Cetera since 2009. Outside of her advisory role, she owns and creates handmade knits and gifts sold on Etsy and is involved in managing a needlepoint supplies business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

George Mouded is a financial advisor with OSAIC, holding a Series 66 designation and 22 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 14 years. He is also engaged as an agent offering various insurance products, including health insurance, group benefits, and annuities. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using firm tools like risk assessment and automated rebalancing to construct portfolios.

Rodney Robinson is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has worked at Equitable Advisors since 2004, with prior roles at Axa Advisors, Fidelity, and Merrill. Outside of his advisory career, he is involved as a consultant providing health insurance consulting to public sector groups and owns Good Music Productions, where he works as a sound engineer. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs.

Yi Qin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 18 years of industry experience. Yi has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities from 2009 to 2017. Outside of his advisory role, Yi is involved as a sales agent in health and property/casualty insurance through independent agencies. Mass Mutual Investors Services 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 uses firm-approved tools and collaborative planning processes to deliver written recommendations focused on investment strategies rather than specific products.

Michael Tillberg is a financial advisor with Merrill in Bedminster, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Merrill since 2020 and previously spent 12 years at Scottrade, Inc., with brief roles at Wells Fargo Bank and Wells Fargo Clearing. 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 plans, corporations, and charitable organizations.

Kevin O’Brien is a financial advisor with Cetera, holding a Series 66 credential and 23 years of industry experience. He has previously worked at Park Ave Securities and Guardian and currently operates The O’Brien Group, a financial services business. He is also active as an insurance agent selling life, health, disability, and annuity products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary authorities, supported by over 10,000 advisors and approximately $256 billion in assets under management.

Matthew Glass is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill, Morgan Stanley Smith Barney, Morgan Stanley Private Bank, Allstate, and the Children's Dental Center of Monmouth. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach primarily utilizes model-driven portfolios developed by LPL’s Research Department and third-party strategists, and offers access to a variety of financial planning and consulting services.

Joshua Leski is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 63 licenses and two years of industry experience. His prior work history includes roles at Equitable Advisors, Fiddlers Elbow Country Club, and Trump National Golf Course. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented planning engagements supported by firm-approved analytical tools and offers various specialized planning programs.

John Marinelli is a CFP® professional with 25 years of industry experience. He is currently an advisor at OSAIC, where he has worked since 2022, and previously spent nine years at American Portfolios Financial Services. In addition to his advisory work, Marinelli is involved in tax preparation through AJC Advisors. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Madhavi Gibbs is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2006 as well as Bank of America, N.A. since 2015. 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.

Dawn Cammarano is a financial advisor at Raymond James Financial with eight years of industry experience. She holds the Series 66 designation and has been with Raymond James Financial Services Advisors Inc. since 2017. Outside of her advisory role, she has worked in support capacities at two businesses since 2009 and 2015, primarily handling administrative tasks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and organizational clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers several specialized advisory programs, including municipal and retirement plan consulting.

Scott Codacovi is a financial advisor with Ameriprise in Matawan, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he is involved in independent insurance brokering with multiple companies. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Alan Tangreti is a CFP® professional affiliated with Morgan Stanley, with 42 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and methodologies such as Monte Carlo simulations to model outcomes, managing approximately $2.74 trillion in client assets.