Bindu Menon is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. Prior to that, she was employed at PNC Investments and PNC Bank between 2005 and 2021. J.P. Morgan Securities LLC 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 making investment recommendations.

John Mc Caffery is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior work includes roles at Deloitte & Touche LLP and TP ICAP plc, as well as an academic period at James Madison University. 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 using firm-approved software and structured annual planning engagements.

Malgorzata Kaczynski is a financial advisor with Primerica Advisors in Cranford, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Primerica and its affiliated entities since 2021 and also has over two decades of experience with Westfield Public Schools. Outside of advising, she is involved in the sale of loan products and home security services through Primerica-affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies overseen by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Manjula Alagani is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning her advisory career in 2026. She previously worked at Equitable Advisors, LLC and has over a decade of experience with H&R Block. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment products through an integrated platform that combines advisory programs with brokerage and insurance options.

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.

Brendan Black is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. Outside the financial sector, he served at Blue Star Lacrosse for four years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through its proprietary research and capital markets platform.

Theresa Fragale is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing and has held roles outside the investment industry in retail and customer service. Fragale also works as a hostess at The Elbow Room in Bradley Beach, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing research and model portfolios from multiple sources.

Louis Argenziano is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior work includes roles at Merrill Lynch, Bank of America, and JP Morgan Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices across the country.

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.

John Ross is a ChFC® credentialed financial advisor with 35 years of industry experience, currently with Ameriprise since 2019. His prior roles include positions at Mass Mutual Investors Services, MetLife, and his own firm, Ross Vitale & Associates. He serves as Vice President on the Board of Directors for the Hawthorne Terrace Tax District and participates in pro bono financial planning through national organizations such as the Financial Planning Association Foundation. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Reiss is a financial advisor at Cetera with Series 65 and Series 63 credentials. He has been associated with Cetera and its affiliate, CETERA Financial Specialists LLC, since 2025 and has over a decade of experience at Gerald Reiss CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple investment solutions and operates a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

Justin Gallagher is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has six years of industry experience and has previously worked with firms including Prudential Insurance Company of America, MassMutual, Guardian Life Insurance Company, and Northwestern Mutual. Outside of his advisory roles, he is involved with Prudential-sponsored non-variable insurance activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. Its platform integrates advisory services with sales of financial products and provides access to model portfolios, third-party asset management, and insurance products.

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.

Marlene Burns is a CFP® professional at Ameriprise with 30 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she works as a Decor Associate at Terrain at Delaware Valley University, engaging customers in home decor and gardening. Ameriprise serves high-net-worth individuals, offering retirement-income planning and a range of advisory, brokerage, and insurance solutions. The firm uses a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement recommendations focused on clients with significant assets under management.

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 65 and Series 63 licenses and has worked previously at Compass Private Wealth Group LLC, Santander Securities LLC, and PNC Bank. Outside of his advisory role, he is a range safety officer at RTSP LLC, a gun range in New Jersey. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zakkour Chivi is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he serves as a Board of Elders member for the Virgin Mary Assyrian Orthodox Church in Paramus, NJ. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.