Richard Cieri is a financial advisor with Primerica Advisors in Edison, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1996, and previously was associated with Burton Cieri Delsordi & Co. for 49 years. In addition to advisory services, he is involved in sales of investment-related products and receives compensation for referrals related to home security and automation products. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors and employs model-based investment strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

Jesse Kent is a financial advisor at UBS Financial Services with 23 years of industry experience. He has been with UBS since 2013 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Vincent Minutillo is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 63 designation and 38 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2017 and previously held positions at Morgan Stanley and Morgan Stanley Private Bank. 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.

Runa Kutty is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in a goals-based approach to wealth management, working closely with clients to understand their family dynamics, financial situations, and priorities. Using this foundation, she develops personalized, flexible financial strategies that adapt to evolving client needs and market conditions. Runa leverages the extensive global resources of Bank of America to support her clients in areas such as college education planning, executive compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and tax minimization. Runa holds a Bachelor's Degree from Columbia International University and earned her MBA from Duke University, The Fuqua School of Business, with concentrations in Investment Finance and Corporate Finance. She is also a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Beyond her professional work, Runa serves on the board of Friends of Runa Simi, a non-profit organization, and supports charities focused on art, education, and community development.

Kellen Hardy is a CFP® with five years of experience advising clients at Mass Mutual Investors Services. He holds the Series 66 designation and has worked at MML Investors Services, LLC and MassMutual Life Insurance Co since 2021. In addition to his advisory role, Hardy is an independent insurance agent specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports event-driven planning such as estate settlement and employer-sponsored programs.

George Rinehart is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Equitable Advisors LLC and Kemper Sports. Outside of his financial career, he has experience working at Seton Hall University and in the hospitality sector. 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 offers collaborative, annual financial planning engagements using advanced software tools, along with specialized programs such as divorce planning and employer-sponsored planning services.

Mohamad Halabi is a Wealth Management Advisor with Merrill Lynch Wealth Management, a position he has held since 2007. He specializes in creating customized financial strategies tailored to individuals, families, and businesses, focusing on portfolio analysis, investment management, corporate retirement plans, and retirement planning utilizing various account types such as 401(k)s, IRAs, Roth IRAs, and others. His practice also addresses small business needs, estate planning, life insurance, liability management, real estate financing through Bank of America, and college planning strategies including ESAs and 529 plans. Mohamad partners with industry professionals to ensure precise and effective financial solutions for his clients. Mohamad holds a Bachelor's Degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER™ professional, certified by the Certified Financial Planner Board of Standards Inc. He also holds the Personal Investment Advisor (PIA) designation and maintains his NMLS license (#781031). Fluent in English and Arabic, Mohamad's client focus includes investment consulting for defined contribution and defined benefit plans, legacy planning, liquidity management, managing new wealth, and retirement income strategies. Residing in Somerset County, New Jersey, Mohamad is the brother of four sisters and married in 2020. He dedicates time to community involvement through volunteer work and balances his professional life with personal interests such as biking, bowling, chess, hiking, photography, running, traveling, watching movies, and spending time with family.

James Dambrosio is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cetera since 2019. Outside of his advisory role, Dambrosio serves as president and board member of the Cedar Hill Club and works part-time as an emergency 911 dispatcher. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Lee Quenault is a financial advisor at UBS Financial Services with 38 years of industry experience. He has been with UBS since 2012 and holds a Series 63 designation. Outside of his advisory role, he oversees design and sales direction for Quenault LLC, an online retailer specializing in custom platform tennis and pickleball covers. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates institutional trading capabilities with wealth management services and provides access to proprietary research, discretionary portfolio management, and a range of capital markets and fiduciary services.

Brett Bernstein is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, Merrill, Acutis Diagnostics, and Rutgers Business School. 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 to individual, high-net-worth, and institutional clients.

Jack Conway is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2023. Prior to his current role, he held positions at Mutual of America Financial Group, Dick's Sporting Goods, and was affiliated with George Washington University. 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.

Timothy McGowan is a Financial Advisor at Merrill Lynch Wealth Management. He assists clients by providing personalized advice, investment guidance, and financial planning aimed at helping individuals and families pursue their short- and long-term financial goals. His expertise includes education planning, legacy planning, managing new wealth, and retirement income. Timothy is a registered Financial Advisor and holds the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from James Madison University. His professional approach emphasizes building lasting relationships and understanding each client's unique situation to provide ongoing advice and guidance that adapts to changing needs. Outside of his professional work, Timothy is involved in community activities such as "America's Grow-A-Row | Help Feed The Hungry." His personal interests include baseball, basketball, cooking, football, golfing, ice hockey, photography, traveling, volleyball, and watching movies.

Hemal Parikh is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and previously spent 14 years with Metlife Financial Services. 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, delivering collaborative, goal-based advice using proprietary software tools.

Christian Brogan is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. He previously worked at Equitable Advisors, Equitable, TPS Financial, and the University of Delaware. Outside of finance, he has experience working at Bonds Tavern. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm offers financial planning, access to third-party asset managers, and model-driven investment implementation through a network of investment adviser representatives.

Hasnain Mir is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Mir Group. Since launching his Merrill career in 2005, Hasnain has developed integrated financial strategies and portfolios primarily for business owners, focusing on defined benefit and defined contribution plans. He works closely with plan sponsors, their families, and employees to provide education on plan specifics and investment choices. Hasnain also facilitates clients’ access to banking services including cash management, debt consolidation, and lending solutions through Bank of America, N.A. Hasnain’s client base includes self-made entrepreneurs, medical and legal professionals, corporate executives, and multi-generational families across New Jersey and 15 additional states. His expertise covers a range of financial planning areas such as college education planning, divorce transition planning, liquidity management, retirement income, and small business strategies. He holds a Personal Investment Advisor (PIA) designation and completed an Accredited Certificate Program at Middlesex County. Outside of his professional role, Hasnain is an avid golfer, cyclist, and fitness enthusiast residing in Somerset, New Jersey with his wife. He and The Mir Group engage in pro bono work and support various charitable organizations as part of their commitment to giving back to the community.

Debra Shipps is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Merrill since 2012. Outside of her advisory role, she serves as the Fundraising Chair for Boy Scouts Pack 140 and is the Mayor of Knowlton Township, New Jersey. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ronald Kovac is a CFP® and ChFC® credentialed financial advisor with 39 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority and integrating planning with managed-account programs under a consolidated billing option.

Alan Brum is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Ameriprise, Kestra Investment Services, and TD Ameritrade. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Rickie Santana is a financial advisor with Ameriprise in North Bergen, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise and its related entities since 2015. Outside of advising, Santana is involved in independent insurance brokering with several providers including Horizon BlueCross BlueShield and Metlife. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation overseen by a dedicated consulting team to deliver personalized, non-discretionary retirement advice.

Mark Van Ness is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing investment strategies for high net worth individuals and business owners, providing goals-based wealth management alongside a team of specialists. Mark's work includes managing portfolios that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Mark has been in the financial services industry since 1999 and joined Merrill Lynch Wealth Management in 2012. He holds the designation of Personal Investment Advisor (PIA) and earned an Associate's Degree from Devry University. His client focus areas include education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. Residing in Westfield, NJ, Mark lives with his wife, Roseann, and their two daughters, Gabriella and Sabrina. Outside of his professional work, he enjoys baseball, boating, fishing, football, traveling, sport fishing, and Italian food.