Matthew Dennis is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has spent his entire career in the financial services industry since graduating from Lehigh University in 2003. Matthew began his career in the Investment Performance group at Cambridge Associates, focusing on pensions, endowments, foundations, and families. He subsequently worked in institutional asset management at Credit Suisse and Lyford Group International before joining Merrill Lynch in 2014, where he works directly with individuals and families. Matthew’s areas of expertise include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, tax minimization, and retirement income. His approach emphasizes goals-based wealth management, beginning with a comprehensive discovery meeting to discuss clients’ financial details, objectives, and goals. He collaborates with internal partners to develop and implement strategies centered on asset allocation, portfolio management, liability management, and tax minimization. Matthew holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Matthew lives in Ramsey, New Jersey, with his wife, their three children, and their dog. He is involved in his local community through the Ramsey Jr. Lacrosse Association and CYO Basketball. In his free time, Matthew enjoys spending time with his family, coaching youth sports, particularly lacrosse, and activities such as basketball, cooking, golfing, hiking, skiing, surfing, and traveling.

August Zenzius Jr. is a Senior Financial Advisor and senior partner at Aiello, Zenzius & Associates. He began his career in financial services in 1996 at Lehman Brothers, working in operations for derivative securities while pursuing his degree in Economics at Saint Peter's College in Jersey City, New Jersey. In 1998, he joined Merrill Lynch as an intern and became a Financial Advisor. August focuses on providing disciplined wealth management strategies for corporate executives, business owners, retirees, and families, addressing their financial needs, values, and objectives. With over two decades of experience, August brings expertise in equity compensation management, retirement income and cash flow planning, and wealth transfer services. He holds FINRA Series 7, 63, and 65 registrations and is a licensed life and health insurance and commercial mortgage representative. He has earned the Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA) designations. August resides in Allendale, New Jersey, with his family. He is actively engaged in community service, serving as President of the Board and co-head of the capital campaign for the Institute for Educational Achievement, a private nonprofit supporting individuals with autism. He also serves on the boards of the Allendale Holiday Observers, a nearly 110-year-old organization for community holiday events, and the Allendale Housing Authority, which provides housing for disabled and senior residents.

Nicholas Heckman is currently serving as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity for over 13 years, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he was a Financial Advisor at ING Financial Partners from 2010 to 2012. His professional focus includes wealth planning and collaborating with clients to develop comprehensive financial plans aimed at achieving their financial goals. Nicholas holds a California Insurance License, supporting his capabilities in financial and insurance services. Outside of his professional work, Nicholas enjoys boating, movies, snowboarding, and soccer.

James Kremen is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and over 21 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Robert Viglione is a financial advisor at Morgan Stanley with four years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2026, he worked at UBS Financial Services from 2022 to 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its process.

David Jackman is a financial advisor at Thrivent Investment Management with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Thrivent since 2014. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and written recommendations on a broad range of planning topics, allowing clients to combine planning with managed accounts under a consolidated billing option called WealthPlan.

George Fosdick is a CFP® with 24 years of industry experience, currently affiliated with Morgan Stanley in Ramsey, NJ. He previously worked at UBS Financial Services from 2012 to 2024. Outside of his advisory role, he serves on an advisory board for a wholesale and distribution business in Green Brook, New Jersey. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes advanced modeling tools such as Monte Carlo simulations.

Eden Guzman is a financial advisor at Fidelity with seven years of industry experience. Prior to joining Fidelity in 2023, Eden worked at Charles Schwab and Co., Inc. and TdAmeritrade. He holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that integrate mutual funds, ETFs, and ETPs using systematic methodologies.

Claudine Isaac is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs. Outside of her advisory role, she is also an employee of JPMorgan Bank, enabling her to offer certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Toni Rottingen is a financial advisor at Fidelity with 20 years of industry experience. She previously worked at TIAA-CREF and Tiaa from 2010 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a mix of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers services such as discretionary and non-discretionary advisory work and model portfolio delivery.

Pierre Johnson is a financial advisor at Edward Jones with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward D. Jones & Co., L.P. since 1997. He serves as an advisory board member for the University of Texas Neighborhood Longhorns. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, supported by a nationwide network of over 23,000 advisors and 15,000 branch offices.

Eric Kerssen is a financial advisor at Cetera with 39 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera and its affiliated entities since 2005. Outside of his advisory role, he is a part-time musician performing at senior living facilities and serves as Music Ministry Director at Hamburg Baptist Church. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers with various program options.

Susan Perry is a financial advisor with Cetera, holding a Series 63 designation and bringing 15 years of industry experience. She has worked at Cetera and its affiliate Cetera Wealth Services since 2013 and spent seven years with Baldino & Perry Associates, Inc. In addition to her advisory role, she provides debt counseling services to clients. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.

Kristen Marino is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 13 years of industry experience. She has been with UBS Financial Services since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides access to research and capital markets solutions.

Lisa Elkins is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has worked with Bank of America and Merrill throughout her career. Outside of her advisory role, she is involved part-time in a modeling business called The Model Shop and owns a limited liability company that manages rental properties. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Tortora is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He has been with Merrill since 2009 and has a longstanding association with Bank of America dating back to 2004. Outside of his advisory role, he is involved as an owner and overseer of BFC Realty LLC, which focuses on buying and selling real estate. 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, and institutional investors.

Lawrence Rosen is a financial advisor with Ameriprise in Suffern, NY, holding Series 63 and Series 65 licenses and 21 years of industry experience. He has been with Ameriprise and its predecessor entity since 2010. Outside of his advisory role, he owns a consulting business, LJR Consulting. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing annual planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Peter Manke is a Series 66-licensed financial advisor with 16 years of industry experience. He has been with Thrivent Investment Management since 2009 and Thrivent Financial for Lutherans since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based financial planning on a one-time or ongoing basis, separate from its managed-account programs, and does not provide portfolio management for institutional clients.

Kevin Bishop is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial. Outside of his advisory role, he is involved in youth sports coaching as a volunteer with the Jersey Colts Ice Hockey Club, where he helps develop hockey players. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Jeffrey Astor is a financial advisor at Edward Jones with over 16 years of industry experience. He holds a Series 66 designation and has previously worked at Broad Financial and as president of Y Astor & Associates, where he is also a writer. He has been with Edward Jones since 2024. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets with a large nationwide network of advisors and branches.