Robert Johnston is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in developing strategies for high-net-worth individuals, their families, and businesses. He joined Merrill Lynch Wealth Management in 2010 and has been in the financial services industry since 2008. His approach to wealth management is consultative and objective, focusing on personalized asset allocation and comprehensive financial planning, including investments, retirement, estate planning, and philanthropy. Mr. Johnston is a 1985 graduate of Rutgers University with a Bachelor of Science in Accounting. He holds the CERTIFIED FINANCIAL PLANNER™ professional designation, the Certified Public Accountant license from New York state (not actively practicing in his advisory role), as well as certifications as a Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Robert Johnston is involved in community service, having served as past President of the Oradell/Emerson Rotary Club and as a board member for West Bergen Mental Healthcare and the Volunteer Center of Bergen County. He also coaches youth sports teams. He resides in Emerson with his wife Michele and their two daughters.

Craig Cutler is a financial advisor with LPL Financial in Ramsey, NJ, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory work, Cutler competes in disc golf tournaments through the Professional Disc Golf Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management programs, utilizing a variety of strategies and advisor-support tools.

Jacqueline Cicale is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with the firm since 1985 and has partnered with Judith for over 37 years. Jacqueline specializes in portfolio strategy, focusing on creating wealth for both business clients and individuals. Her expertise includes designing strategies to manage cash flow, lending, corporate retirement plans, and stock option plans for business clients. For individual and family clients, she constructs investment portfolios aligned with their specific goals and regularly reviews and adjusts these portfolios in response to changes in global markets. Jacqueline holds a Bachelor's Degree from Mercy College of Health Sciences and holds the Professional Investment Advisor (PIA) designation. Over the years, she has been recognized multiple times by Forbes, including listings on the "Best-in-State Wealth Advisors," "Top Women Wealth Advisors Best-in-State," and "Best-in-State Wealth Management Teams" for several consecutive years. These recognitions reflect her sustained experience, client retention, and adherence to industry best practices.

Thomas Ross is a Wealth Management Advisor with Merrill Lynch Wealth Management who has been with the firm for over 20 years. In his role, he focuses on developing personalized financial strategies tailored to clients' full financial pictures, with particular emphasis on family wealth management strategies, legacy planning, managing new wealth, and retirement income. He integrates investment insights from Merrill along with banking and lending solutions from Bank of America to help clients pursue their long-term goals. Prior to joining Merrill Lynch, Thomas was a Relationship Manager in the Corporate Banking area at a major metropolitan bank. He holds a Bachelor's Degree in Economics from Rutgers University and a Master's Degree in Finance from the New Jersey Institute of Technology. He is also designated as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Thomas resides in Northern New Jersey with his wife and three children. He is active in his community and spends time volunteering with local organizations. His personal interests include skiing, hiking, biking, basketball, boating, cooking, football, reading, traveling, and watching movies.

Steve Killebrew is a financial advisor with Ameriprise in Ridgewood, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a structured process supported by algorithmic automation and oversight committees.

Edward Alligier is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked primarily with Primerica in various capacities since 1998, including a recent tenure at Equitable Advisors. Outside of his advisory role, he owns Alligier Health and Entertainment, LLC, which offers personal training and character birthday party entertainment services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, using model-driven strategies provided by third-party asset managers. The firm supports approximately 3,698 advisors across 1,829 offices and oversees about $15.5 billion in assets under management.

Paul Shirinian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 registrations and 16 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and has served at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market models as part of its financial planning process.

Charles Linfante Jr. is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding a Series 63 designation and 35 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2002. In addition to his advisory role, he is involved in insurance brokerage activities related to individual and group life, health, disability, and property/casualty insurance. Mass Mutual Investors Services, LLC 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, annual financial planning engagements using firm-approved analytical tools and offers various educational seminars and specialized planning programs.

James Langham is a financial advisor at Mass Mutual Investors Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 13 years before joining Mass Mutual in 2023. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships that provide written recommendations using firm-approved software.

Gary Alfonso is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016. 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 a range of brokerage and advisory solutions supported by research and analytics.

Timothy Brogan is a financial advisor with RBC Capital Markets in Pompton Lakes, NJ, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He has worked at RBC Capital Markets since 2008 and has also been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies according to client risk profiles.

Daniel Lane is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and previously held roles at Bank of America and Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers capabilities in derivatives and commodities through affiliated entities.

Kevin Barone is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with seven years of industry experience. He has worked at Morgan Stanley since 2019, including five years with Morgan Stanley Private Bank, N.A. Prior to this, he held roles at Vector Marketing and Collector's Cafe and studied at Bloomsburg University of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Kevin Maguire is a financial advisor at Edelman Financial Engines with 39 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at several firms, including Chase Investment Services Corp. and multiple entities affiliated with Edelman Financial Engines since 2011. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven modeling process with planner delivery and online tools, offering both discretionary management and non-discretionary online advice across a diversified range of investment offerings.

Urszula Wierzgala is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC since 2012, including prior roles at JPMorgan Chase Bank and Chase Investment Services Corp. Outside of her advisory work, she is a co-owner and landlord of a rental property in Kearny, New Jersey. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Michael Lipani is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan since 2017. Outside of his advisory role, he owns and operates a personal holding company for automobiles. 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 written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, and incorporates an ESG eligibility framework.

Joseph Cohen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He previously worked at National Planning Corporation and Wells Fargo Clearing before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies supported by advisor-facing tools.

Brian Rudin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at J.P. Morgan Securities since 2016 and previously spent two years at HSBC Securities (USA) Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, manager searches, and customized performance reporting within a non-discretionary advisory framework.

Jeffrey Jacobs is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory role, he is involved with Plymouth Rock in property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s approach includes model-driven investment implementation and access to third-party asset managers, alongside offering non-securities products such as affiliated insurance and trust services.

Richard Hennessy Jr. is a financial advisor with Mass Mutual Investors Services who holds 38 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 30 years. He also maintains a role with MassMutual Life Insurance Co. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements focused on collaborative annual relationships and the use of firm-approved analytical tools.