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 Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA). Edward earned a Bachelor's Degree from Nazareth College. The information provided does not include details about his specific areas of expertise, years of experience, or personal interests.

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.

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 as well as Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2025, and 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 through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management, with access to research and technology-driven 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.

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.

Peter Baldini is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Private Advisor Group, LLC and Prb Wealth Management. Outside his advisory practice, he is involved with Give to Give, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by model portfolios and research from multiple sources.

Andrew Nickoletos is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill and Voya Financial Advisors. He is also associated with Precision Wealth Solutions, an LLC related to financial advisory and fixed insurance services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides brokerage and advisory services through multiple platforms, utilizing asset-allocation tools and third-party money managers to construct and manage portfolios tailored to client risk tolerance and investment restrictions.

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.

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.

Nicholas Pepe is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and six years of industry experience. He has worked at UBS since 2019 and was previously employed at Nasdaq Inc. from 2014 to 2019. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals.