Richard Morrow is a financial advisor with LPL Financial in Scotch Plains, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2020. Outside of advisory work, he is an insurance agent specializing in fixed life and fixed annuities and is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Bindu Menon is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. Prior to that, she was employed at PNC Investments and PNC Bank between 2005 and 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making investment recommendations.

John Mc Caffery is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior work includes roles at Deloitte & Touche LLP and TP ICAP plc, as well as an academic period at James Madison 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 software and structured annual planning engagements.

Malgorzata Kaczynski is a financial advisor with Primerica Advisors in Cranford, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Primerica and its affiliated entities since 2021 and also has over two decades of experience with Westfield Public Schools. Outside of advising, she is involved in the sale of loan products and home security services through Primerica-affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies overseen by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Jonelle Mceachern is a Series 66-licensed advisor with Primerica Advisors, where she has worked since 2016 and has 16 years of industry experience. She also has ongoing involvement with Liveops Agent Services. In addition to her advisory role, she receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on a wrap-fee structure and uses third-party asset managers with oversight from an independent consultant.

Thomas Donlon 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 and Raistone Capital. Prior to his advisory career, he was employed at Lebanon Valley College and Six Flags Great Adventure. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Yin Long is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and with 33 years of industry experience. He has been with MML Investors Services since 1998 and with Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory work, Long serves as a board member of the New Jersey Chinese American Chamber of Commerce and is a trustee for both the New Jersey Symphony and Classically Connected, Inc. He is also involved in consulting for Wycentaur Tea LLC and co-founded Miao Consulting LLC. 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, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools to inform investment strategy recommendations.

Lawrence Pappas is a CFP® certified financial advisor with 24 years of industry experience. He is currently with LPL Enterprise and has previously worked at The Prudential Insurance Co. of America, PRUCO Securities, LLC, and Cetera. In addition to his advisory role, he operates an accounting practice providing tax preparation and business consulting services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products.

Theresa Fragale is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing and has held roles outside the investment industry in retail and customer service. Fragale also works as a hostess at The Elbow Room in Bradley Beach, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing research and model portfolios from multiple sources.

Louis Argenziano is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior work includes roles at Merrill Lynch, Bank of America, and JP Morgan Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices across the country.

Nilesh Patel is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Mini Circuits for five years and Chemetall, part of BASF, for 21 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Christopher Bramwell is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has prior work history with Fisher Investments and Bank of America/Merrill Lynch. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

John Ross is a ChFC® credentialed financial advisor with 35 years of industry experience, currently with Ameriprise since 2019. His prior roles include positions at Mass Mutual Investors Services, MetLife, and his own firm, Ross Vitale & Associates. He serves as Vice President on the Board of Directors for the Hawthorne Terrace Tax District and participates in pro bono financial planning through national organizations such as the Financial Planning Association Foundation. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Evans is a financial advisor with Merrill located in Iselin, NJ. He holds a Series 66 designation and has recently begun his career in the financial industry, joining Merrill and Bank of America in 2026. Prior to this, his background includes service in the United States Marine Corps and roles in both public safety and various private sector positions. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Andrew Reiss is a financial advisor at Cetera with Series 65 and Series 63 credentials. He has been associated with Cetera and its affiliate, CETERA Financial Specialists LLC, since 2025 and has over a decade of experience at Gerald Reiss CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple investment solutions and operates a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

Justin Gallagher is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has six years of industry experience and has previously worked with firms including Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Outside of his advisory roles, he is involved with Prudential-sponsored non-variable insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. Its platform integrates advisory services with sales of financial products and provides access to model portfolios, third-party asset management, and insurance products.

Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

Mark Weg is a financial advisor with LPL Financial, holding the PFS™ and Series 63 credentials and bringing 24 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation for five years and has been associated with Trochiano & Daszkowski LLP since 2002. Outside of his advisory role, he is a partner at a tax preparation and accounting firm. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management, utilizing model portfolios, third-party research, and various technology tools in its investment approach.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Merrill in two separate periods totaling five years, as well as Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank NA, and PNC Bank. Outside of his advisory role, he serves as a Range Safety Officer at a gun range in Randolph, NJ. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.