Michael Goldstein is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and with 43 years of industry experience. Prior to joining LPL Enterprise in 2024, he spent 30 years at Pruco Securities, LLC and has been associated with Prudential Insurance Company of America since 1982. Outside of his advisory role, he is a pickleball instructor and coach in Livingston, NJ. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and an affiliated insurance agency among its services.

Carolyn Ottenbreit is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Sparta, New Jersey office. She holds the CERTIFIED FINANCIAL PLANNER® professional designation and serves a select group of affluent clients, including current or retired corporate executives and professionals. Carolyn joined Merrill in 1986 and transitioned to the Private Client Group in 1996 after ten years in corporate finance. Carolyn's expertise encompasses managing all aspects of clients' finances and investments, offering services such as retirement planning, estate planning, tax minimization strategies, philanthropic planning, portfolio management, and retirement income planning. She leverages the global resources of Merrill and collaborates with specialists and clients' tax and legal advisors to provide comprehensive financial strategies. Carolyn emphasizes financial education to foster a collaborative client-advisor relationship. She holds a bachelor's degree from Princeton University and a master's degree from The Wharton School at the University of Pennsylvania, where she concentrated in finance. Carolyn has also been actively involved in community organizations, having served as Past Chairperson of The SCARC Foundation, Inc., and Past President of the Newton Rotary Club in New Jersey. Her personal interests include cooking, reading, and traveling.

David Zappe is a Series 66 credentialed advisor at Fidelity with less than one year of industry experience. His background includes positions at ChangeBridge Growth Partners and fiduciary roles associated with Catholic University of America. Outside of financial advising, he was involved with The Great Divide Campground for three years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios including mutual funds, ETFs, and ETPs.

John Dipaolo is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Carlos Sequeira is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bank of America, TD Bank, New York Community Bank, and several other organizations. He has also been involved with nonprofit and environmental groups such as Clean Water Action NJ and NJPIRG. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Mazzarella is a financial advisor with LPL Financial in Livingston, NJ, holding a Series 66 license and 28 years of industry experience. He has been with LPL Financial since 2004 and previously worked at Equity Services, Inc. from 2002 to 2004. Outside of his advisory role, he is involved in selling fixed universal life, term, whole life, disability, and long-term care insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Shawn Mcdonough is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 10 years of industry experience, including 15 years at Guardian Life Insurance Co and work with the Cambium Group. He is also a managing partner at RHEI Private Client Group, where he focuses on financial planning, investment management, and insurance. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and provides various investment and event-driven planning programs.

Taylor Brady is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Chase & Co. from 2015 to 2021. Brady is based in Morristown, NJ. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm‑approved tools and methods such as Global Investment Committee estimates and Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

James Broderick is a CFP® professional affiliated with LPL Financial, with 14 years of industry experience. He has worked at several firms, including Northwestern Mutual Wealth Management Company and multiple independent practices, before joining LPL Financial in 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, using various investment strategies supported by research and technology tools.

Carmelo Bruzzesi is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual Investors Services in 2024, he worked at MassMutual Life Insurance Co and held various roles at St. Thomas Aquinas College and Cliffside Park educational institutions. He also works as an insurance broker specializing in property and casualty coverage. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers a range of programs including educational seminars and event-driven planning services.

John Guerra III is a financial advisor at Stifel with one year of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Snipes. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Darwin Noel is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that begin with understanding his clients' financial situations and priorities. Drawing on the investment insights of Merrill and the banking services of Bank of America, he assists clients in managing various aspects of their financial lives. His areas of expertise include legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and ESG investing, women and wealth, sports and entertainment, and individual and corporate investment strategies. Darwin holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Montclair State University. In addition to his professional work, Darwin is a member of the Tri-State Black Executive Leadership Team and participates in community activities such as the Bloomfield High School Football Alumni Camp and the Boys and Girls Club Newark. His personal interests include baseball, cooking, football, golfing, music, spending time with his family, and watching movies.

Robert Finkle is a CFP® with 31 years of industry experience, currently advising clients at Stifel. His prior roles include positions at Wells Fargo Clearing, RBC Capital Markets, and J. B. Hanauer & Co. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Christopher Greco is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management delivers a wide array of advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Jeffrey Somerstein is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2003, including time at its predecessor Axa Advisors. Outside of his advisory work, he is a musician who plays drums in a band. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm employs a range of third-party asset managers and advisory models, providing clients with diversified investment options and ERISA fiduciary services for qualified plans.

Daniel Cooney is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch since 2001 and at Bank of America, N.A. since 2011. 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, and institutional investors.

Pablo Cardoso is a Series 66 licensed financial advisor with 18 years of industry experience. He is currently with Merrill and Bank of America N.A., joining in 2022, and has held previous roles at Santander Securities, JPMorgan Chase, PNC Wealth Management, and other firms. He serves as the treasurer for the North Plainfield High School PTO. 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, high-net-worth clients, and institutional investors.

Robert Bendock is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on family wealth management strategies, liquidity management, and portfolio management services. He works closely with clients to understand their personal perspectives and priorities to create personalized financial plans aimed at achieving long-term goals. Robert holds a Bachelor's Degree from Seton Hall University and maintains the Personal Investment Advisor (PIA) designation. He is fluent in English and Spanish, and is a member of the professional organization HOLA. His community involvement includes participation with the Center for Great Expectations. Outside of his professional work, Robert enjoys golfing, ice hockey, and music. He values lifelong learning and has a strong interest in math and statistics.

Gerard Raho is a financial advisor with Edward Jones in Mendham, NJ, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he is co-founder of Michael Gerard Designs, a flatware design business, and serves as Vice President of the Mendham Business Association in a largely ceremonial capacity. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is known for its extensive retail advisor and branch network, as well as offering affiliated trust and securities-based lending services.

Ryan Becker is a financial advisor with LPL Financial in Florham Park, NJ, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at LPL Financial since 2021 and previously at Mass Mutual and Summit Asset Management. Becker attended James Madison University and has held diverse roles including positions outside finance such as with ProMethod Sport and Fitness and the Morris Plains School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced research and operational tools.