Joseph Marotta is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Wayne, NJ branch. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Joseph utilizes a disciplined process to understand clients' needs before making recommendations, focusing on wealth management strategies to assist individuals and families in achieving their financial goals. Joseph began his finance career in 1997 in the Capital Markets division at Thomson Reuters and transitioned in 2006 to working directly with clients at Wells Fargo Advisors before joining Merrill Lynch. His expertise spans a range of areas including college education planning, family wealth management strategies, legacy planning, retirement income, special needs planning strategies, and portfolio management services. Prior to his finance career, Joseph served as an officer in the U.S. Marine Corps. He earned his Bachelor's degree from Villanova University. Joseph resides in Montville, NJ with his wife and three children. Outside of work, he enjoys baseball, chess, football, hiking, music, traveling, and woodworking. He actively volunteers with organizations such as the Aiding Marines Family Foundation and the Christopher Whitehouse Foundation and is a member of the Semper Fidelis Society, reflecting his commitment to community involvement and supporting veterans.

Edward Conklin Jr. is a financial advisor at Merrill with Series 63 and Series 65 credentials and 41 years of industry experience. He has been with Merrill since 1984 and has worked at Bank of America, N.A. since 2011. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Giuliano Gashaj is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan since 2016 and has additional work history with JPMorgan Chase Bank, N.A. He is also involved as an owner and partner in several small rental property ventures in the Bronx. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm’s services are offered on a non-discretionary basis, with final decision-making authority retained by clients.

Stanley Malecki is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has worked at Cetera and its affiliated entities since 2013 and is currently co-owner of Crosscoast Legacy Partners, a recruiting platform where he leads recruitment efforts and business development. He is also president of Malecki Financial Group. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures and manager selections.

Sean Foye is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2015. Outside of his advisory work, he serves as an assistant varsity coach at Don Bosco Preparatory School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Rachel Trimble is Vice President and Wealth Planner at Fidelity Investments, a role she has held since 2022. She provides one-on-one financial planning tailored to clients experiencing various life events, including retirement, investment strategy, education, and charitable planning. Rachel collaborates with clients to develop comprehensive, long-term plans that address their financial goals. With over 17 years of experience in the financial services industry, Rachel has held several positions at Fidelity, including Financial Consultant from 2015 to 2022 and Investment Consultant from 2014 to 2015. Prior to joining Fidelity, she worked as an Investment Client Associate at US Bancorp, a Private Wealth Client Associate at UBS, and as a Financial Advisor at both JP Morgan Chase and Merrill Lynch. Outside of her professional work, Rachel enjoys activities such as biking, hiking, scuba diving, attending social events with friends, visiting museums, and exploring culinary experiences.

Michael Savin is a financial advisor at LPL Enterprise with 29 years of industry experience. He holds the ChFC® designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory role, he operates Savin Solutions LLC, an independent insurance agency specializing in group and individual health and life insurance products, including Medicare plans. LPL Enterprise serves a broad client base, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance products through a multi-channel platform.

Kyle Diaz is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Kyle earned his bachelor's degree from Purdue University System. Details regarding his specific areas of expertise, experience, personal interests, or community involvement were not provided.

Jason Lilli is a financial advisor at LPL Financial with 48 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at Grove Point Investments and Grove Point Advisors from 2021 to 2025, and at H. Beck, Inc. from 2003 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with research-backed model portfolios and various investment strategies.

Lori Macaluso is a Series 66-licensed financial advisor with 23 years of industry experience. She has worked at Merrill from 1997 to 2024 and joined UBS Financial Services in 2024. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Maxim Shubin is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and previously worked at AXA Advisors, LLC and SUNY Binghamton. In addition to his advisory role, he has been involved with Comfort Measures Inc. since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Selena Cefaloni is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior work includes roles at Fidelity Brokerage Services LLC and TD Ameritrade, as well as multiple positions within Charles Schwab and Charles Schwab Bank. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a centralized operational structure and integrated investment resources.

Mark Varon is a financial advisor at Mass Mutual Investors Services with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Metlife Securities Inc. In addition to his advisory role, he is an insurance broker specializing in individual and group life and health insurance as well as fixed annuities. 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 provides ongoing financial planning, asset management, and educational seminars using firm-approved software and collaborative, annual planning processes.

Gina Diaz is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. She has worked at LPL Financial and Webster Investments since 2021 and has prior experience with JPMorgan Chase Bank and JPMorgan Securities dating back to 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations. The firm offers a broad range of advisory programs and financial planning services supported by model portfolios, third-party research, and technology-driven strategies.

Patrick Reardon is a financial advisor at LPL Enterprise with 38 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, SA Stone Wealth Management, Quest Capital Strategies, and Landmark Financial. Outside of his advisory work, Reardon serves as a part-time substitute custodian for the Andover Regional Board of Education and officiates high school track and field meets with the New Jersey State Interscholastic Athletic Association. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, third-party asset management, and access to a range of brokerage and insurance products, utilizing an integrated platform that combines adviser programs with the sale of other financial products.

Terence Belfor is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 10 years of industry experience. He has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of finance, Belfor is an officer and secretary of Advanced Facialdontics LLC, a business involved in intellectual property transactions with a public company. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base, including high-net-worth individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by a diverse range of portfolio management styles and affiliated research.

Stephen Bollander II is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he worked at Lyft and DeVry. Ameriprise provides a retirement-income planning service focused on individuals with significant investable assets, offering written recommendations on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach and offers a broad range of advisory, brokerage, and insurance solutions.

Karen Mahida is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 2000. Her other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Tony Law is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at Pruco Securities, LLC and has been with Prudential Insurance Company of America since 1998. Outside of his advisory work, he serves on the boards of two nonprofit organizations, including Compass Fellowship Church, where he participates in planning and strategy discussions. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with sales of financial products and insurance.

Brian Buckley is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 40 years of industry experience, having previously worked at Metropolitan Life Insurance Company and related entities for over three decades before joining Mass Mutual in 2016. In addition to his advisory role, he is an independent insurance agent specializing in health, group health, property and casualty, life insurance, and fixed annuities. Mass Mutual Investors Services 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, structuring client engagements as ongoing, collaborative relationships focused on goal analysis and written recommendations.