John Mcgovern Jr. is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Enterprise in 2024, he spent over three decades with Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA outside of his advisory role. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform combining advisor programs with financial product sales.

Joseph Vinciguerra Jr. is a CFA® charterholder with 25 years of industry experience, currently advising at LPL Financial. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. He also serves as an adjunct lecturer at the College of Staten Island and maintains outside employment with Public Service Enterprise Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations, offering a range of advisory programs, planning services, and brokerage solutions through a large network of investment adviser representatives.

Ryan Boyle is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2005. He holds Series 63 and Series 65 licenses. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Salvatore Bonomo is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides personalized advice and guidance in investing, banking, and lending, leveraging the resources of Merrill Lynch and its parent company, Bank of America. Salvatore serves a diverse client base with an emphasis on college education planning, family wealth management strategies, personal retirement planning, and retirement income. He holds a Bachelor's Degree from the College of Staten Island and is designated as a Personal Investment Advisor (PIA). Salvatore values building trust through clear communication and a commitment to client interests. He takes the time to understand clients' individual goals and develops strategies to pursue them effectively. Outside of his professional responsibilities, Salvatore enjoys a variety of personal interests including cooking, hiking, ice hockey, pickleball, skiing, soccer, spending time with his family, and watching movies.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Enterprise since 2024, following six years at Pruco Securities, LLC. Outside of finance, he has been involved with Delfy Music Inc. since 2010. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines financial planning, model wealth portfolios, asset management, and insurance products.

Joseph Bauer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on developing goals-based wealth management relationships tailored to each client's unique investment objectives, risk tolerance, liquidity needs, and time horizon. He offers a range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, banking access through Bank of America, and guidance on concentrated stock positions, company stock options, and alternative investment strategies. His work is supported by internal specialists and access to BofA Global Research. Mr. Bauer earned a Bachelor of Science degree in Finance from Seton Hall University in 1995 and has been in the financial services industry since that year. He has been with Merrill Lynch Wealth Management since early 2009. He holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, along with life and health insurance licenses in New Jersey and Florida. Additionally, he holds the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute™. Residing in Edison, New Jersey, Mr. Bauer is a lifelong resident of Middlesex County. He is married with two daughters. Outside of his professional work, he enjoys biking, fishing, football, golfing, and traveling. He is a member of the Metuchen Golf & Country Club.

Debra Abbott Walker is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at Citigroup, Equitable Advisors LLC, New York Life Insurance Company, Northwestern Mutual, and AXA Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with various program options and custodial relationships.

Patrick Mcgrady is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and having 10 years of industry experience. His prior roles include five years at UBS Financial Services and five years as a self-employed advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Dennis Mojares Jr. is a financial advisor at Charles Schwab with 32 years of industry experience. He has held roles at Charles Schwab and Charles Schwab Bank since 2007. He holds Series 63 and Series 65 credentials. Charles Schwab & Co., Inc. serves 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 combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custodial and supervisory arrangements.

Eric Duskin is a financial advisor with Merrill holding a Series 66 designation and 13 years of industry experience. He previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2009 to 2022 before joining Merrill in 2022. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anjeanette Salvaryn is a financial advisor at Morgan Stanley in Shrewsbury, NJ, with 26 years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Morgan Stanley in 2020, she spent over three decades at Foresters Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Jennifer Lee is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and personal representative for a family trust in Vero Beach, Florida. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Clelia Dimaggio is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she works as a para professional at Red Bank Catholic School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients through a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Gary Capaldo is a CFP® professional with over 31 years of experience in the financial industry. He is currently affiliated with Cetera and has held various roles at Cetera Advisors LLC and First Allied Advisory Services. Outside of his advisory work, he serves as a CFP instructor at Wagner College and holds leadership and fiduciary roles in several business and nonprofit organizations, including youth baseball and softball associations. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporations, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Jake Keelen Brown is a financial advisor with Merrill based in Red Bank, NJ. He holds a Series 66 designation and has been with Merrill since 2022. Prior to his current role, his work experience includes positions at Merrick Constructions Inc. and attendance at The Pennsylvania State University. 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, pensions, corporations, and charitable organizations.

Robert Pallitto is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Leon Silvestre is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He previously worked at Santander Securities, LLC and Santander Bank, NA. Outside of his advisory role, he co-owns and manages a rental property. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines brokerage and advisory solutions supported by research and analytics to serve a wide range of clients.

Charles Buono is a Financial Consultant at Fidelity Brokerage Services, LLC, a position he has held since 2021. He brings over 20 years of experience in the financial services industry to his role. Prior to joining Fidelity, Charles worked as a Financial Advisor at AIG Retirement Services from 2018 to 2021, and as Vice President of Retirement Services at Principled Advisors from 2008 to 2018. His earlier roles include Relationship Manager at Oppenheimer Funds from 2007 to 2008 and Client Service Representative at ADP Retirement Services from 2003 to 2007. Throughout his career, Charles has focused on retirement services and financial advising, utilizing his extensive experience to help clients identify and achieve their short-term and long-term financial goals. He employs a personalized approach to cultivating, implementing, and maintaining financial plans that align with what matters most to his clients. Outside of his professional work, Charles has interests in comedy, golf, movies, and parenthood.

Christa Mc Namee is a financial advisor at Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation with eight years of industry experience. She worked at Morgan Stanley from 2005 to 2023 and returned in 2025 after a brief period with Yancey's Fancy. Outside of her advisory role, she is involved in concert production through her LLC, BarNamee LLC, and participates in a restaurant and bar business, Flurlife LLC. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and offers various investment and planning solutions across retail and institutional clients.

Nicholas Graviano is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Equitable Advisors, LLC. Prior to his financial services career, he was involved in landscape and design through Dragonfly Landscape and Design. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.