Sapan Shah is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked at JPMorgan Securities LLC since 2009 and JPMorgan Chase Bank NA since 2016. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Mark Leonhard is a CFP® with 40 years of industry experience. He has been with Raymond James & Associates since 2018 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with generally non-discretionary relationships.

Joseph Mchugh is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing and Advisors LLC. He is based in Short Hills, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models developed by its Global Investment Committee.

Amanda Thomas is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her career includes nearly a decade at Merrill and multiple roles within Wells Fargo Clearing and Wells Fargo Advisors. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and special-needs analysis, supported by Wells Fargo research and planning tools.

Kevin Mack is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. He holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the United States.

Jennifer Conway is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Her background also includes positions at Indiana University’s Kelley School of Business and JP Morgan Private Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sandra Fernandes is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Her career includes roles at Bank of America, Merrill, NYLIFE Securities LLC, New York Life Insurance Company, and Morgan Stanley. She is currently based in Short Hills, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Madison Grady is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has previously worked at PNC Private Bank Asset Management and Equitable Advisors. Outside of her advisory roles, she has been involved with Montclair Beach Club over multiple periods between 2017 and 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform recommendations.

David Rehrer is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in college education planning, family wealth management strategies, and portfolio management services. David works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from Drexel University and has earned several professional designations, including Certified Divorce Financial Analyst (CDFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). David follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional commitments, David enjoys golfing, traveling, and spending time with his family.

Daniel Forman is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Goldman, Sachs & Co. for 10 years before joining J.P. Morgan in 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Goran Bojovski is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior member of Gsell/Bojovski and Associates. He joined Merrill Lynch in 2002 and focuses on servicing high-net-worth clients and corporate relationships by providing a comprehensive range of wealth management services, including financial planning, investment analysis, and retirement planning. Goran delivers customized, planning-based strategies integrating concentrated stock management, estate planning, and investment management. He holds multiple professional designations, including the CERTIFIED FINANCIAL PLANNER® certificant, Certified Investment Management Analyst®, Certified Plan Fiduciary Advisor®, and Certified 401(k) Professional. Goran graduated from Rutgers University with a bachelor's degree in economics, concentrating in finance, and also minored in computer science. He is recognized as one of a select group of Merrill Institutional Consultants qualified to provide in-depth knowledge and customized service for institutional investors. Outside of his professional work, Goran lives in Mountain Lakes, New Jersey, with his wife and two sons. His personal interests include basketball, billiards, boating, bowling, camping, chess, football, music, reading, and spending time with his family.

Richard Caruso is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He previously worked at Metlife Securities Inc for seven years before joining Mass Mutual in 2017. Outside of his advisory role, he is involved in construction and painting work and serves as an insurance broker focusing on life and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements supported by firm-approved software and educational seminars.

Edward Kucharski is a CFP® with 42 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2023, following a 23-year tenure at FSC Securities Corporation. Outside of his advisory role, he has operated a mortgage and real estate referral group and a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and technology-driven solutions.

Brian Russell is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 21 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and previously at Bank of America and Merrill from 2011 to 2018. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Christopher Hernandez is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked with Mass Mutual Investors Services since 2019 and previously spent one year at AXA Advisors, LLC. Outside of his advisory role, he works as a health insurance broker. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning without discretionary authority over client investments.

Neil Altshuler is a CFP®-designated financial advisor with 26 years of industry experience, currently affiliated with LPL Financial since 2022. His prior roles include positions at Securities America Advisors and National Planning Corporation. He is also involved in tax preparation and accounting through his work with BKC CPAs, PC. 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 advisory programs, financial planning, and brokerage services supported by various model portfolios, research resources, and technology integration.

Brian G. Lockier is a financial advisor at UBS Financial Services with 39 years of industry experience. He holds a Series 63 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets access through its extensive platform.

Michael Gagliotti is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera Investment Services LLC since 2007. Outside of his advisory work, he serves as treasurer for the Hillside Ave Historic District Association and is a director of the Save The Queen City nonprofit. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform that includes affiliated and third-party managers.

Holly Kogan is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016, following three years with Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broader range of financial products, including insurance-related vehicles and bank deposit sweep options.

Claudia Diaz is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney LLC, NYLife Securities LLC, and New York Life Insurance Company. Outside of her advisory work, she serves as executor/co-executor for an estate. Morgan Stanley Wealth Management offers a broad range of advisory programs for individual and institutional clients, featuring tailored financial planning and access to extensive resources, including specialized planning tools and investment strategies developed by its Global Investment Committee.