Lloyd Winkler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Winkler also works as an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Melissa Hertzberg is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she collaborates with individuals, families, and business owners to develop personalized financial plans and tailored investment portfolios aimed at achieving their specific goals. Melissa's approach focuses on delivering service, strategic guidance, and advice to help grow and protect client wealth. She graduated with Highest Honors from the College of Business and Economics at Lehigh University, an honor awarded to those ranking in the top 5% of their class. Melissa holds professional designations as a Certified Divorce Financial Analyst (CDFA) and a Personal Investment Advisor (PIA). Her areas of expertise include college education planning, corporate executive services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, and individual and corporate investment strategy. Beyond her client work, Melissa serves on the board of the Morristown Short Hills Market Women's Exchange, an employee network group focused on enhancing client service and supporting the careers of women through philanthropic and educational initiatives. She grew up in Somerset County, New Jersey, and currently resides in Hoboken. Melissa's personal interests include basketball, chess, cooking, dancing, skiing, spending time with her family, and watching movies.

Greg Bayvel is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has provided wealth management services with a focus on building valued relationships with clients and their families through a disciplined and customized approach. Greg works closely with clients to understand their priorities and develops strategies to help achieve their financial goals, conducting regular reviews to ensure alignment with any life changes. He has been in the financial services industry since 2005 and holds a Bachelor's degree with a double major in Economics and Management and Labor Relations from Rutgers University, obtained in 2004, as well as an M.B.A. from Rutgers Business School with a focus on Finance, earned in 2012. Greg holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Greg is active in community involvement, participating in organizations such as Habitat for Humanity, St. Peter's Orphanage, Team in Training, and The Hoboken Shelter. He has completed over twenty marathons raising funds for various charities including the Leukemia and Lymphoma Society and the ALS Association of NYC. Greg resides in Boonton Township, NJ, with his wife and sons.

Michael Errichiello is a financial advisor with Equitable Advisors, holding a Series 66 credential and 24 years of industry experience. He has been with Equitable Advisors since 2010 and previously worked at Axa Advisors LLC. Outside of his advisory work, he serves as a part-time fire inspector and firefighter and is the treasurer of the Lyndhurst Volunteer Fire Department in New Jersey. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through program sponsors and third-party managers, providing both advisory and brokerage solutions.

Bryan Young is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing, Wells Fargo Bank, N.A., Bank of America, N.A., and Merrill. Prior to his financial services career, he was employed at Montclair State University and Kings Supermarkets. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas Watkins is a financial advisor with Cetera who holds Series 65 and Series 63 licenses and has 32 years of industry experience. His prior roles include positions at Thompson And Thompson Consulting Inc and Jack Schroeder And Associates, Inc. Outside of his advisory work, he serves as president of the Totowa Public Library board. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Michael Venturi is a financial advisor at Merrill with 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1994. He holds a Series 66 designation and is based in Florham Park, New Jersey. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yvette Lamchek Emnas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven 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 management options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mary Perrone is a financial advisor at Morgan Stanley with 34 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is involved with Wired Delivery, an online retail business, and works as an independent travel advisor with Dream Vacations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates various modeling tools and advisory services.

Douglas Bilenski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients’ long-term goals. His client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Douglas holds a Bachelor’s Degree from Montclair State University. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on a strong personal philosophy rooted in hard work and character, he is committed to guiding clients through all market cycles and phases of their financial life. Outside of his professional work, Douglas volunteers with organizations in his community. He enjoys golfing, ice hockey, and traveling, particularly exploring national parks out west. He is a husband and father with a strong connection to family values and responsibility.

Eric Brubaker is a CFP® professional affiliated with Edward Jones, where he has worked since 2019. He has six years of industry experience and has held roles outside finance including positions at Ramapo Country Day Camp and involvement with political campaigns. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Brendan Cahill is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2021. He has been with Fidelity since 2014, previously serving as a Financial Consultant and Investment Consultant within the company. Prior to joining Fidelity, he worked as a Financial Advisor at Ameriprise Financial from 2005 to 2014. With nearly two decades of experience in the financial industry, Brendan specializes in helping clients make informed decisions and stay on track toward their financial goals. He holds the CERTIFIED FINANCIAL PLANNER™ designation and focuses on market trends and planning strategies to provide personalized advice. Outside of his professional work, Brendan's personal interests include golf, military service, parenthood, reading, and snowboarding.

Zak Bissell is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments in various roles since 2015, including Investment Consultant from 2021 to 2024, High Net Worth Service Associate from 2016 to 2021, and Customer Relationship Advocate from 2015 to 2016. As a Certified Financial Planner™, he emphasizes creating sensible plans through meaningful conversations and thoughtful planning to help clients grow, preserve, and live off their wealth. Zak's professional experience spans multiple facets of financial consulting and investment services, reflecting a comprehensive understanding of client needs and financial strategies. Outside of his professional work, he enjoys cooking and baking, exploring culinary experiences as a foodie, and participates in sports such as golf, running, and soccer.

Carlton Johnson is a financial advisor with LPL Financial, holding a Series 63 designation and over 30 years of industry experience. He has been with LPL Financial since 2004. In addition to his advisory work, he is a notary and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.

Brian Marzulli is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at City National Bank and RBC Capital Markets since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile.

Christina Woo is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as at Citigroup Global Markets since 2000. Outside of her advisory role, she is involved with Woo Enterprise LLC, a private real estate company. Morgan Stanley Wealth Management serves individual and institutional clients by offering a broad range of advisory programs and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including scenario modeling, to support its advisory services.

John Barbary is a financial advisor at LPL Enterprise with 36 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Pruco Securities, LLC for 34 years before joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products via an integrated platform.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Adam Jackson is a financial advisor with UBS Financial Services in South Orange, NJ, holding Series 63 and Series 66 licenses and having 19 years of industry experience. He has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.