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.

Joshwin Clervoix is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc., where he has been employed since 2019, as well as earlier positions at Wells Fargo Advisors and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and based on modern portfolio theory, incorporating a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Compass Private Wealth Group LLC, Santander Securities LLC, and PNC Bank. Outside of his advisory role, he is a range safety officer at RTSP LLC, a gun range in 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Brown is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers advisory programs that include tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

David Biebelberg is a financial advisor with Osaic, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Osaic since 2010. Outside of his advisory role, he is a partner at Elite Wealth Group and is involved in the sale of fixed insurance products through his limited roles in Freedom Capital Management and a sole proprietorship. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm offers integrated financial services through multiple advisory platforms, using asset-allocation tools and third-party managers to build diversified portfolios that include a range of investment products.

David Klics is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2007. He holds Series 63 and Series 65 designations. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Robert Imparato Jr. is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Equitable Advisors since 2000. Prior to that, he was affiliated with AXA Advisors, LLC for 20 years. Outside of his advisory role, he is president of Clutch Hitting of Staten Island, Inc., a position he has held since 2016. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Purnima Mahindrakar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017 and previously held positions at PNC Investments LLC and PNC Bank from 2014 to 2017. 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 roughly $671 billion in assets through over 14,000 financial advisors and offers a range of brokerage and advisory solutions.

John Olson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Wells Fargo Clearing and its affiliated entities since 2018. Outside of his advisory role, Olson owns and operates American Home Watch, a home security and house-sitting service. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its investment institute with third-party analytics to support its investment approach, serving a broad client base with both brokerage and advisory solutions.

Gregory Baro is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by a structured process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Sydney Freedman is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior experience at The Frisch School, The D.E. Shaw Group, Dow Jones, and Memorial Regional Hospital. 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 team of Wealth Advisors. The firm delivers its program on a non-discretionary basis and integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

Hany Elhelw is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ryan Mc Enery is a financial advisor at Morgan Stanley in Short Hills, NJ, holding a Series 66 designation with one year of industry experience. His prior experience includes roles at benefEx benefit consulting and New York Life. He has also been involved in educational and martial arts institutions, including Ramapo College of New Jersey and the Hawthorne Institute of Martial Arts. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and proprietary tools but generally does not provide individual security recommendations within standalone plans.

Shanna Wolf is a financial advisor with LPL Enterprise in Bedminster, NJ, holding Series 63 and Series 65 licenses and 12 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, MassMutual Investors Services, MassMutual Life Insurance Co, and MetLife Securities. She also acts in a fiduciary capacity for private trusts in New Jersey. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, third-party asset management, and access to brokerage and insurance products through an integrated platform combining advisory and brokerage services.

Keith Simons is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has served since 2017. He is a registered investment professional with more than 26 years of experience in the wealth management industry. Mr. Simons is recognized as a member of the Sentinel Team, which has been named to the 2023-2026 Forbes "Best-in-State Wealth Management Teams" list. Prior to joining Merrill Lynch, Mr. Simons held positions at several financial firms. He began his career as the Director of Investments at Oppenheimer & Company in New York City from 1993 to 2001. He then worked as a First Vice President at Smith Barney in New York City from 2001 to 2008. Following that, he was a Senior Vice President at Morgan Stanley in Short Hills, New Jersey, from 2008 until his transition to Merrill Lynch in 2017. Mr. Simons earned a Bachelor of Arts degree from George Washington University. He holds FINRA series 7, 63, and 65 registrations, as well as life insurance licenses. He resides in Short Hills, New Jersey, with his wife and three children.

Daniel Dambroff is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and previously worked at Guardian Life Insurance Company and Park Avenue Securities. Outside of advising, he serves as a trustee to his sister and holds power of attorney for his father. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and external research.

Craig Grant is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with UBS since 2015. Grant is also the owner of Capital Development Group, a sole proprietorship involved in equity investments. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Anthony Pugliese is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Westfield, New Jersey. He has been in the financial services industry since 1988 and joined Merrill in 2012. Drawing on over 25 years of diverse capital markets experience, Anthony provides advice and guidance to individuals, families, and small business owners to help them reach their personal and financial goals. Anthony holds a bachelor's degree in Communications from Lynchburg College, earned in 1988, and maintains the Personal Investment Advisor (PIA) designation. His client services focus includes college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Raised in Westfield, where he currently resides with his wife and three children, Anthony is involved in community activities such as coaching youth sports.

Francisco Gonzalez is an International Wealth Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), demonstrating his commitment to providing tailored investment guidance to his clients. Francisco earned his Bachelor's Degree from the University of Miami. His role focuses on serving clients with diverse financial planning and wealth management needs on an international scale.

Michelle Bartosik is a financial advisor with Merrill and holds a Series 66 designation. She has 19 years of industry experience, including roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and Bank of America, N.A. since 2011. Outside of her advisory role, she works part-time as a gymnastics coach for a family business called Gymnastics Unlimited. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.