Denny Totland is a CFP® with 36 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at City National Bank and RBC Capital Markets. Totland is involved in several business entities related to consulting and wealth management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Cheryl Mara is a Series 66-licensed financial advisor with Morgan Stanley, based in Shrewsbury, NJ, and has 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning utilizing structured discovery tools and quantitative modeling to support clients’ financial goals.

Melvin Goldstein is a ChFC®-designated financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and operates under the firm LPL Financial in Marlboro, NJ. Goldstein is also involved in insurance and pension consulting through Advanced Capitol Strategies, Inc., dedicating part of his time to life, health, disability, and group benefits. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Courtney Halasz is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and bringing nine years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Richard Murphy is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 2004. Outside of his advisory role, he serves on the board of the Diocesan Investment Trust for the Episcopal Church of New Jersey, advising on its investments. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and modeling tools but generally does not include individual security recommendations in standalone plans.

Samuel Rozenfeld is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. He has worked with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2023, and is also involved with First Call Tax Advocates Corporation. Outside of his advisory role, he operates as an insurance broker for life and health products through Kandelaki Solutions. 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 offers financial planning, asset management, and educational programs, with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.

John Mcgovern Jr. is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 65 and Series 63 designations and has worked at Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. Outside of his advisory work, he is involved with NJPAIP and NJIUA. 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, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products.

Joseph Vinciguerra Jr. is a CFA® charterholder with 25 years of industry experience, currently advising at LPL Financial. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. He also serves as an adjunct lecturer at the College of Staten Island and maintains outside employment with Public Service Enterprise Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations, offering a range of advisory programs, planning services, and brokerage solutions through a large network of investment adviser representatives.

Ryan Boyle is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2005. He holds Series 63 and Series 65 licenses. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Michael Bonaccorso Sr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 29 years of industry experience. His prior roles include ten years at Allied Wealth Partners and extensive experience with Tax Planning Group, LLC and Wealth Management Group LLC, entities he continues to be involved with. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and technologies such as machine learning across discretionary and non-discretionary management services.

Salvatore Bonomo is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides personalized advice and guidance in investing, banking, and lending, leveraging the resources of Merrill Lynch and its parent company, Bank of America. Salvatore serves a diverse client base with an emphasis on college education planning, family wealth management strategies, personal retirement planning, and retirement income. He holds a Bachelor's Degree from the College of Staten Island and is designated as a Personal Investment Advisor (PIA). Salvatore values building trust through clear communication and a commitment to client interests. He takes the time to understand clients' individual goals and develops strategies to pursue them effectively. Outside of his professional responsibilities, Salvatore enjoys a variety of personal interests including cooking, hiking, ice hockey, pickleball, skiing, soccer, spending time with his family, and watching movies.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Enterprise since 2024, following six years at Pruco Securities, LLC. Outside of finance, he has been involved with Delfy Music Inc. since 2010. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines financial planning, model wealth portfolios, asset management, and insurance products.

Joseph Bauer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on developing goals-based wealth management relationships tailored to each client's unique investment objectives, risk tolerance, liquidity needs, and time horizon. He offers a range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, banking access through Bank of America, and guidance on concentrated stock positions, company stock options, and alternative investment strategies. His work is supported by internal specialists and access to BofA Global Research. Mr. Bauer earned a Bachelor of Science degree in Finance from Seton Hall University in 1995 and has been in the financial services industry since that year. He has been with Merrill Lynch Wealth Management since early 2009. He holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, along with life and health insurance licenses in New Jersey and Florida. Additionally, he holds the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute™. Residing in Edison, New Jersey, Mr. Bauer is a lifelong resident of Middlesex County. He is married with two daughters. Outside of his professional work, he enjoys biking, fishing, football, golfing, and traveling. He is a member of the Metuchen Golf & Country Club.

Debra Abbott Walker is a financial advisor at Cetera with 14 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes roles at Citigroup, Equitable Advisors LLC, New York Life Insurance Company, Northwestern Mutual, and AXA Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and features a multi-manager platform with various program options and custodial relationships.

Patrick Mcgrady is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and having 10 years of industry experience. His prior roles include five years at UBS Financial Services and five years as a self-employed advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Dennis Mojares Jr. is a financial advisor at Charles Schwab with 32 years of industry experience. He has held roles at Charles Schwab and Charles Schwab Bank since 2007. He holds Series 63 and Series 65 credentials. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custodial and supervisory arrangements.

Eric Duskin is a financial advisor with Merrill holding a Series 66 designation and 13 years of industry experience. He previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. from 2009 to 2022 before joining Merrill in 2022. 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, pension plans, corporations, and charitable organizations.

Anjeanette Salvaryn is a financial advisor at Morgan Stanley in Shrewsbury, NJ, with 26 years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Morgan Stanley in 2020, she spent over three decades at Foresters Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Jennifer Lee is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and personal representative for a family trust in Vero Beach, Florida. 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 investment process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Thomas Avanzato is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of his advisory role, he has been involved with Dahdex TCG LLC and had a position at Sassy Lemon Co. 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 recommending strategies.