Kathleen Maloney is a Wealth Management Advisor at Merrill Lynch Wealth Management in Short Hills. She has been with Merrill since 1999 and has over 25 years of experience in finance. Prior to joining Merrill, she worked for nine years at Summit Bank Corp. Kathleen collaborates with clients to clarify their current situation, risk parameters, objectives, and life goals in order to develop and implement personalized financial strategies. She holds a Bachelor of Arts in Political Science with a concentration in Business from Rutgers University. Kathleen has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her client focus areas include divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Outside of her professional role, Kathleen enjoys activities such as biking, gardening, golfing, reading, tennis, and traveling. She is involved in her community, particularly with The Jersey Shore Rescue Mission, which supports homeless and less fortunate individuals in Monmouth County. Kathleen is also a member of professional organizations including USSWGA, GSWGA, and WNJGA.

George Goodfriend is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Evercore and American Corporate Partners. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to deliver customized investment recommendations. The firm incorporates an ESG eligibility framework and offers non-discretionary services through a select group of Wealth Advisors.

Jonelle Mceachern is a Series 66-licensed advisor with Primerica Advisors, where she has worked since 2016 and has 16 years of industry experience. She also has ongoing involvement with Liveops Agent Services. In addition to her advisory role, she receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on a wrap-fee structure and uses third-party asset managers with oversight from an independent consultant.

Thomas Donlon is a Series 66-licensed financial advisor with Merrill, based in Iselin, NJ, and has three years of industry experience. His prior roles include positions at Bank of America and Raistone Capital. He also has a background that includes work at Lebanon Valley College and Six Flags Great Adventure. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yin Long is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and with 33 years of industry experience. He has been with MML Investors Services since 1998 and with Massachusetts Mutual Life Insurance Company since 1992. Outside of his advisory work, Long serves as a board member of the New Jersey Chinese American Chamber of Commerce and is a trustee for both the New Jersey Symphony and Classically Connected, Inc. He is also involved in consulting for Wycentaur Tea LLC and co-founded Miao Consulting LLC. Mass Mutual Investors Services, LLC 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, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools to inform investment strategy recommendations.

Lawrence Pappas is a CFP®-certified financial advisor with 24 years of industry experience. He is currently affiliated with LPL Enterprise and has previously worked at Prudential Insurance Co. of America, PRUCO Securities, and Cetera. In addition to his advisory role, he maintains an accounting practice offering tax preparation and business consulting services. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven and includes access to third-party asset managers, financial planning, and participation in wrap programs.

Ralph Lucarelli is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior experience includes roles at Merrill and Vienna Capital Partners. Outside of finance, he has worked in education and recreational facilities. 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 uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering a range of services from discretionary portfolio management to fund advisory and model portfolio delivery.

Nilesh Patel is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Mini Circuits for five years and Chemetall, part of BASF, for 21 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Christopher Bramwell is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has prior work history with Fisher Investments and Bank of America/Merrill Lynch. 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 applying an ESG eligibility framework in its investment recommendations.

Richard Albanese is a CFP®-certified financial advisor with Edward Jones in Branchburg, NJ, where he has worked since 2015. He holds the Series 65 and Series 66 licenses and has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Andrew Reiss is a financial advisor at Cetera with Series 63 and Series 65 credentials. He has been with Cetera and CETERA Financial Specialists LLC since 2025 and has 11 years of experience with Gerald Reiss CPA. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers and various program options.

Justin Gallagher is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and seven years of industry experience. His career includes roles at several firms such as The Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Gallagher is also involved in non-variable insurance activities related to Prudential. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is typically model-driven, offering access to third-party asset managers and participating in the Model Wealth Portfolios wrap program.

Kristin Borges is the Vice President and Branch Leader at Fidelity Investments, where she leads the Bridgewater Team with a focus on delivering an exceptional client experience and fostering client relationships. She aims to inspire, coach, and guide her team to establish itself as the primary Wealth Management Team. Kristin has extensive experience within Fidelity Investments, having held several positions including Regional Planning Consultant, Financial Consultant, Relationship Manager, and Financial Representative since 2014. Prior to joining Fidelity, she worked as a Sales Assistant at Coastal Equities, John Carris Investments, and Hennion and Walsh, gaining a broad foundation in financial services. Outside of her professional role, Kristin engages in family activities, enjoys food-related pursuits, social events, golf, traveling, and volunteering.

W Doxey Jr. is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Merrill since 2008. He is also affiliated with Bank of America, N.A. since 2017. 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, offering model-based and discretionary strategies for individuals, institutions, and charitable organizations.

Eric Hayes is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 65 licenses. He has eight years of industry experience, including five years at Sanford C. Bernstein & Co. LLC prior to joining J.P. Morgan in 2025. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank NA, and PNC Bank. Outside of his advisory role, he serves as a Range Safety Officer at a gun range. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Biebelberg is a financial advisor with Osaic, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Osaic since 2010. Outside of his advisory role, he is a partner at Elite Wealth Group and is involved in the sale of fixed insurance products through his limited roles in Freedom Capital Management and a sole proprietorship. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm offers integrated financial services through multiple advisory platforms, using asset-allocation tools and third-party managers to build diversified portfolios that include a range of investment products.

David Klics is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2007. He holds Series 63 and Series 65 designations. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Robert Imparato Jr. is a CFP® with 33 years of industry experience and has been with Equitable Advisors since 2000. Prior to the rebranding, he worked at AXA Advisors, LLC for 20 years. Outside of his advisory role, he serves as President of Clutch Hitting of Staten Island, Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a range of clients including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of investment models and third-party asset managers to tailor solutions for its clients.