Randy Jarzyna serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2006. In this role, he focuses on providing clients with comprehensive financial planning services. Throughout his career, Randy has dedicated himself to assisting clients in various aspects of financial planning, including basic investing, income protection, retirement planning, and estate planning. He emphasizes engaging clients in discussions about their goals, objectives, and concerns to tailor his approach effectively.

Dominick Palumbo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously held roles at Wells Fargo Bank, PNC Investments, Banc of America Investment Services, PNC Wealth Management, and Equitable Advisors. Palumbo serves as treasurer for the Algonquin Theatre, where he participates in financial discussions related to the theatre’s operations and community contributions. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and emphasizing diversified portfolio strategies.

Denny Totland is a financial advisor with LPL Financial in Red Bank, NJ, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. His prior roles include positions at City National Bank, RBC Capital Markets, and Citigroup Global Markets. Denny is also involved in consulting through Totland Consulting LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, combining extensive advisory services with non-advisory financial products.

Cheryl Mara is a Series 66-licensed financial advisor with Morgan Stanley, based in Shrewsbury, NJ, and has 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning utilizing structured discovery tools and quantitative modeling to support clients’ financial goals.

Melvin Goldstein is a ChFC® and Series 63 credentialed financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and currently practices at LPL Financial in Marlboro, NJ. He also operates Advanced Capitol Strategies, Inc. and is involved in a non-variable insurance business focusing on life, health, disability, and group employee benefits. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisers, utilizing model portfolios, third-party subadvisors, and technology tools to support client strategies.

Courtney Halasz is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and bringing nine years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Richard Murphy is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, following six years at Citigroup Global Markets. Outside of his advisory role, Murphy serves on the board of the Diocesan Investment Trust for the Episcopal Church of New Jersey, advising on its investments. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and market simulations and offers a broad range of retail and institutional investment solutions.

John Mcgovern Jr. is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 designations and has 33 years of industry experience. His prior work includes over three decades at Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA in addition to his advisory role. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment strategies developed by internal and third-party portfolio strategists and offers financial planning, consulting, and access to various asset managers and insurance products.

Rodney Mcmillian is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Wells Fargo-related firms since 2003, including Wells Fargo Bank NA and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ryan Boyle 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 2005. He holds Series 63 and Series 65 licenses. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Pavel Stuchinskiy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and with 10 years of industry experience. He has worked at Wells Fargo since 2019 and previously at JPMorgan Chase and TD Bank. Outside of finance, he is associated with Royal King Driving School, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics to support its investment approach and offers both brokerage and advisory solutions at a large scale.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. Lin holds the Series 63 and Series 65 designations and previously worked at Pruco Securities, LLC for six years. Outside of the advisory business, Lin has been involved with Delfy Music Inc. since 2010. LPL Enterprise provides investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and other related services.

Michael Chiocchio is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include work at Tokio Marine North America Services from 2016 to 2020. He is based in Red Bank, New Jersey. 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 individuals, high-net-worth clients, and institutional investors.

Joseph Bauer serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he develops goals-based financial advisory relationships tailored to each client's unique investment needs. He promotes a systematic approach to planning and investing that aligns with clients' investment goals, risk tolerance, liquidity requirements, and time horizons. Joseph provides access to a wide range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, and banking services through Bank of America, N.A. He also offers guidance related to concentrated stock positions, company stock options, and alternative investment strategies when appropriate. His work is supported by internal specialists and BofA Global Research. He holds a Bachelor of Science degree in Finance from Seton Hall University, earned in 1995. Since beginning his career in financial services in 1995, he has been with Merrill Lynch Wealth Management since early 2009. Joseph holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, as well as life and health insurance licenses in New Jersey and Florida. He has earned the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute®.

Debra Abbott Walker is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at Citigroup, Equitable Advisors LLC, New York Life Insurance Company, Northwestern Mutual, and AXA Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with various program options and custodial relationships.

Patrick McGrady is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior experience includes roles at UBS Financial Services, Merrill, and Cetera Wealth Services, along with five years as a self-employed advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools while maintaining a large network of over 22,800 advisors.

Dennis Mojares Jr. is a financial advisor at Charles Schwab with 32 years of industry experience. He has held roles at Charles Schwab and Charles Schwab Bank since 2007. He holds Series 63 and Series 65 credentials. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custodial and supervisory arrangements.

Raichel Kerr is a financial advisor at UBS Financial Services with seven years of industry experience. She holds the Series 66 designation and has worked at UBS since 2021, previously holding roles at National Securities Corporation, National Insurance Corporation, and Malvin Financial Group. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor plans according to clients’ goals and risk tolerances. The firm also integrates institutional trading capabilities with wealth management services.

Eric Duskin is a financial advisor with Merrill holding a Series 66 designation and 13 years of industry experience. He previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2009 to 2022 before joining Merrill in 2022. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anjeanette Salvaryn is a financial advisor at Morgan Stanley in Shrewsbury, NJ, with 26 years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Morgan Stanley in 2020, she spent over three decades at Foresters Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.