Richard Cieri is a financial advisor with Primerica Advisors in Edison, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1996, and previously was associated with Burton Cieri Delsordi & Co. for 49 years. In addition to advisory services, he is involved in sales of investment-related products and receives compensation for referrals related to home security and automation products. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors and employs model-based investment strategies managed by unaffiliated asset managers, supported by custodial and trade execution services.

Michele Madsen is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2016. Outside of her advisory role, Michele is a notary public. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Joseph Hutchinson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association, serving clients for over a decade before joining LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Thomas Acerra Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at MML Investors Services and Mass Mutual for eight years. Acerra is involved in multiple business entities related to insurance and consulting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Darshi Jayawardena is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2017, following 17 years at PNC Financial Services Group and PNC Investments. 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.

Runa Kutty is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in a goals-based approach to wealth management, working closely with clients to understand their family dynamics, financial situations, and priorities. Using this foundation, she develops personalized, flexible financial strategies that adapt to evolving client needs and market conditions. Runa leverages the extensive global resources of Bank of America to support her clients in areas such as college education planning, executive compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and tax minimization. Runa holds a Bachelor's Degree from Columbia International University and earned her MBA from Duke University, The Fuqua School of Business, with concentrations in Investment Finance and Corporate Finance. She is also a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Beyond her professional work, Runa serves on the board of Friends of Runa Simi, a non-profit organization, and supports charities focused on art, education, and community development.

James Dambrosio is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to his current role at Cetera since 2019, he worked at Foresters Financial Services and serves as president and board member of the Cedar Hill Club. He also has experience as an emergency 911 dispatcher and has been affiliated with the Union County Police Department since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over $256 billion in assets under management.

Ted Beal Jr. is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of his advisory work, he serves as a board member of the MOESC Foundation, which raises funds to support autism initiatives in local school districts. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and institutional clients. The firm uses a range of advisory models and third-party asset managers to deliver customized investment solutions.

Mithilesh Pimpariya is a CFP®-certified financial advisor with 12 years of industry experience, currently with J.P. Morgan Securities in Red Bank, NJ. He has worked at JPMorgan Chase Bank, Bank of America, Merrill, and PNC Investments. Outside of his advisory role, he is a passive owner of an e-commerce business selling household products on Amazon. 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.

David Gallello is a financial advisor at Fidelity with 14 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity entities since 2013, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its systematic investment approach, regulatory registrations, and advisory roles to multiple registered investment companies.

Walter Henry is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and having 22 years of industry experience. He worked at UBS Financial Services and UBS Bank USA from 1999 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and offers a broad selection of retail and institutional investment services.

Mark Yunayev is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2005. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making investment recommendations.

Wen Long Hua is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Mango of Staten Island Corp. and JPMorgan Chase Bank, N.A. He also spent four years at John Jay College of Criminal Justice. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through a combination of quantitative modeling and centralized due diligence.

Osher Douek is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities since 2012, with prior experience at JPMorgan Chase Bank, N.A. since 2010. 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 recommendations.

Thomas Capozzi is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, his background includes various roles at companies such as Raider's Walk, Castrol, and Blue Verse, as well as attendance at Texas Tech. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party managers.

Robert Karpinski Jr. is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as an executor for an estate. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and advisory services without offering individual security recommendations as part of the standalone planning program.

Gregory Beckman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Beckman serves as a trustee for his spouse in an investment-related capacity. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than many peers, such as insurance-related vehicles and bank deposit sweep options.

David Larkin is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in wealth and investment planning for high net worth individuals and business owners. He leads The Larkin Group, providing comprehensive services including corporate executive services, divorce transition planning, employee benefits planning, family wealth management strategies, and retirement income planning. David holds a Bachelor's Degree from the University of Richmond and has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach focuses on connecting all aspects of a client's financial life to help prioritize and pursue the goals that matter most. Residing in Basking Ridge, New Jersey, David lives with his wife Kathryn and their two daughters. He is involved with the Friends of the Bernardsville Library and enjoys spending time outdoors with his family.

Nikolas Keszthelyi is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work history includes positions at Joyce Honda and Zumiez Inc. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Adnan Khan is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 designations and has worked with Wells Fargo Clearing Services LLC since 2017. Outside of his advisory role, he holds an ownership interest in RR Solutions, LLC, which provides sales, marketing, and technology solutions to internet and cable companies. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.