Michael Handzo is a financial advisor with Ameriprise in Kinnelon, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliate since 2009. Ameriprise provides a retirement-income planning service aimed at individuals nearing or in retirement who meet certain asset thresholds, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a centralized consulting team to produce tailored, non-discretionary recommendations.

Kenneth Montal is a financial advisor with Raymond James & Associates in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He previously worked at UBS Financial Services Inc. for 16 years before joining Raymond James in 2026. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional entities, and municipal organizations, offering financial planning, investment consulting, and specialized advisory services.

Karen Podwyszynski is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves a large client base, 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 blend of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Miles Kath is a financial advisor with LPL Enterprise holding a Series 66 designation and has been in the industry since 2023. His prior work experience includes roles at ADP LLC, Homestar Builder Inc, MedMen, and the University of Southern California. 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 employs a model-driven investment approach utilizing portfolios developed by internal research and third-party strategists, and offers services such as financial planning, access to asset managers, and trustee services.

Zsuzsanna Vivino is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2008, transitioning to Bank of America, N.A. in 2025. Outside of her advisory role, she serves as a uniform coordinator for a nonprofit soccer organization in Wayne, New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Adam Dorfman is a Series 66 licensed financial advisor with Wells Fargo Advisors in Denville, NJ, where he has worked since 2014, totaling 11 years of industry experience. Outside of his advisory role, he coaches high school fencing in Randolph, NJ. Wells Fargo Advisors is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients, providing a wide range of investment and financial planning services tailored to clients meeting specific net-worth criteria.

Boguslawa Skala is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a variety of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets.

Timothy Blair is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop personalized investment strategies tailored to their unique financial goals. His areas of expertise include executive compensation, retirement planning, philanthropic planning, portfolio management, small business strategies, and individual and corporate investment strategies. Timothy holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his high school diploma/GED from Ramapo College. Outside of his professional responsibilities, Timothy is involved with the Food Bank of New Jersey and participates in the Montclair Norsemen Rugby Club. His personal interests include adventure sports, baseball, football, hiking, ice hockey, music, scuba diving, skydiving, swimming, and volleyball.

Marvin Goldman is a financial advisor with LPL Financial based in Roseland, NJ, holding Series 63 and Series 65 licenses and bringing 60 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 41 years and has operated The Goldman Group, Inc. since 1980. He is also involved in selling fixed life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Parisi is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank, TIAA, TD Ameritrade, Wells Fargo Clearing, and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and incorporating an ESG eligibility framework in its recommendations.

Ralph Diaz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in the summer of 1991 and has since accumulated over 25 years of experience. Ralph offers expertise in areas such as college education planning, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Arts degree in Economics from Rutgers University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Ralph focuses on assisting clients with defining their financial goals and designing investment strategies that align with their risk profiles and objectives. Outside of his professional pursuits, Ralph is involved with the Emmanuel Cancer Foundation, serving on its Board of Directors. He enjoys photography, skiing, traveling, writing, and spending time with his family, which includes his wife, Karen, and their two children.

Rocco Degregorio is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Thrivent, he worked for Glass Gardens and ShopRite of Paramus. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm’s approach integrates detailed planning with managed-account programs, offering flexible options for clients under its WealthPlan service.

Sean Flavin is a financial professional at Cetera with one year of industry experience. He holds the Series 66 designation and has prior work experience at Denville Automotive for ten years. Since 2024, he has also been involved with Pascarella Wealth Partners LLC in a financial services capacity. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies, utilizing both discretionary and non-discretionary authorities.

Jeffrey Grabowski is a financial advisor at Edward Jones with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at AXA Advisors for two years. He also operates Jeffrey A. Grabowski, Attorney At Law, LLC, a legal practice he has maintained for over two decades. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Keith Dolin is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2009. His prior experience includes roles at Bank of America N.A., Ust Financial Services Corp., and Us Trust Company of New York. 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 strategies for individuals, high-net-worth clients, corporations, and other entities.

Robert Smith is a financial advisor at LPL Enterprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America since 1999. Outside of his advisory role, he is involved in selling group life and disability insurance products. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is typically model-driven, incorporating portfolios developed by internal research and third-party strategists, and it offers a range of financial planning, consulting, and insurance-related services.

Richard Blaney is a CFP® with 28 years of industry experience. He is currently with Cetera, where he has worked since 2023. Previously, he spent seven years at Beechwood Financial Services LLC. Outside of his advisory work, he serves as Vice President of the Verona Chamber of Commerce, a nonprofit organization. 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 various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Stephanie Brown is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets from 1998 to 2009. Brown is currently based in Paramus, NJ. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and Corporate Financial Planning agreements.

Nicholas Bozanich is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance Company since 2015. In addition to his advisory role, he provides financial guidance related to life, disability, long-term care insurance, fixed annuities, and health insurance. 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 ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning with recommended investment strategies.

James Zimmermann is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Edward Jones for two years and operated the Law Offices of James C. Zimmermann for four years. Outside of his advisory role, he is also involved in delivery services through Instacart. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes various third-party asset managers and advisory platforms, providing access to mutual funds, ETFs, separately managed accounts, and select alternative investments.