Cynthia Crane is a financial advisor at Thrivent Investment Management with 13 years of industry experience. She holds the Series 66 designation and has been with Thrivent and its affiliated entities since 2012. Cynthia serves on the board of Catalyst Theater Company, a local nonprofit theater organization, where she participates in fundraising and community engagement activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering comprehensive, goal-based financial planning without discretionary portfolio management. The firm combines planning with managed-account programs under a consolidated billing option called WealthPlan, while maintaining the planning and investment services separately.

Gregory Pace is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he held positions at LPL Financial, NYLife Securities LLC, Keller North America, and New York Life Insurance Company. He also spent 22 years with Local 825 Operating Engineers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning using structured discovery and firm-approved tools.

Mina Kerolos is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., Kerolos worked for the Commercial Bank of Dubai and Emirates NBD Bank UAE. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Melvin Goldstein is a ChFC® and Series 63 credentialed financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and currently practices at LPL Financial in Marlboro, NJ. He also operates Advanced Capitol Strategies, Inc. and is involved in a non-variable insurance business focusing on life, health, disability, and group employee benefits. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisers, utilizing model portfolios, third-party subadvisors, and technology tools to support client strategies.

Christopher O'Grady is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2015 in various capacities and assumed his current role in 2023. He partners with individuals and families to create financial strategies aimed at avoiding common pitfalls before and throughout retirement. Prior to his tenure at Fidelity Investments, Christopher held positions as a Financial Advisor at Morgan Stanley and held senior roles in equity derivatives at NYC X-Change Financial Access LLC and Elevation LLC. He holds a California Insurance License.

Terence McMahon is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and financial planning solutions.

Jason Taub is a financial advisor with Ameriprise in Warren, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He previously worked at Stifel from 2007 to 2018 before joining Ameriprise Financial Services, Inc. and later Ameriprise. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice through a centralized consulting team.

Diane Lopes is a Series 66 licensed financial advisor at UBS Financial Services with 15 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

John Mcgovern Jr. is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 designations and has 33 years of industry experience. His prior work includes over three decades at Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA in addition to his advisory role. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment strategies developed by internal and third-party portfolio strategists and offers financial planning, consulting, and access to various asset managers and insurance products.

Marcus Tomaino is a CFP® professional with 11 years of industry experience, currently serving at Raymond James & Associates since 2014. He holds a Series 66 license and is based in Bedminster, NJ. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through various specialized programs.

Brian Sherman is a CFP® professional affiliated with LPL Enterprise, LLC, with 31 years of industry experience. His background includes roles at MissionSquare Investment Services, Lorenzo CPA LLC, Avantax, and Merrill, among others. He also owns an accounting and tax preparation business. LPL Enterprise serves a diverse client base—including individuals, high-net-worth investors, retirement plans, and charitable entities—by providing investment advisory and brokerage services through a network of investment adviser representatives, primarily using model-driven investment strategies.

Michael Bonaccorso Sr. is a financial advisor with LPL Financial and holds a Series 63 designation. He has 30 years of industry experience, including prior roles at Cetera, Allied Wealth Partners, and Securian Financial Services. He is a member of Tax Planning Group, LLC, which provides tax preparation and accounting services. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. Lin holds the Series 63 and Series 65 designations and previously worked at Pruco Securities, LLC for six years. Outside of the advisory business, Lin has been involved with Delfy Music Inc. since 2010. LPL Enterprise provides investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and other related services.

Joseph Bauer serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he develops goals-based financial advisory relationships tailored to each client's unique investment needs. He promotes a systematic approach to planning and investing that aligns with clients' investment goals, risk tolerance, liquidity requirements, and time horizons. Joseph provides access to a wide range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, and banking services through Bank of America, N.A. He also offers guidance related to concentrated stock positions, company stock options, and alternative investment strategies when appropriate. His work is supported by internal specialists and BofA Global Research. He holds a Bachelor of Science degree in Finance from Seton Hall University, earned in 1995. Since beginning his career in financial services in 1995, he has been with Merrill Lynch Wealth Management since early 2009. Joseph holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, as well as life and health insurance licenses in New Jersey and Florida. He has earned the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute®.

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.

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.

Jennifer Lee is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory work, she serves as a personal representative and trustee for family-related estate matters. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of brokerage and advisory solutions, serving more than 14,000 financial advisors and managing roughly $671 billion in assets.

Christine Benson is a financial advisor at Merrill with eight years of experience at the firm and a Series 66 designation. Prior to joining Merrill in 2018, she spent fourteen years with Raised Family. Outside of her advisory role, she is a fitness instructor at Hackettstown Dance Fitness. Merrill, alongside 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, and various institutional investors using model-based and discretionary investment strategies developed by internal and third-party managers.

Gary Capaldo is a CFP®-certified financial advisor with over 32 years of industry experience. He is currently with Cetera Investment Advisers LLC and has a background at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he teaches as a CFP instructor at Wagner College and serves as treasurer for two youth baseball and softball nonprofit organizations. 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 range of portfolio management services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Robert Pallitto is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at affiliated firms including J.P. Morgan Chase Bank NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research and may incorporate ESG criteria in its recommendations.