Denny Totland is a financial advisor with LPL Financial in Red Bank, NJ, holding the CFP® designation and Series 63 and 65 licenses, with 36 years of industry experience. His prior roles include positions at City National Bank, RBC Capital Markets, and Citigroup Global Markets. Denny is also involved in consulting through Totland Consulting LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, combining extensive advisory services with non-advisory financial products.

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® and Series 63 credentialed financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and currently practices at LPL Financial in Marlboro, NJ. He also operates Advanced Capitol Strategies, Inc. and is involved in a non-variable insurance business focusing on life, health, disability, and group employee benefits. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisers, utilizing model portfolios, third-party subadvisors, and technology tools to support client strategies.

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 with LPL Enterprise who holds Series 63 and Series 65 designations and has 33 years of industry experience. His prior work includes over three decades at Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA in addition to his advisory role. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment strategies developed by internal and third-party portfolio strategists and offers financial planning, consulting, and access to various asset managers and insurance products.

Joseph Vinciguerra Jr. is a CFA charterholder and Series 63 licensee with 25 years of industry experience. He is currently an advisor at LPL Financial and has previously worked at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. Outside of his advisory role, he serves as an adjunct lecturer at the College of Staten Island and is employed by Public Service Enterprise Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Rodney Mcmillian is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Wells Fargo-related firms since 2003, including Wells Fargo Bank NA and Wells Fargo Advisors LLC. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Pavel Stuchinskiy is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase and TD Bank. Outside of finance, he is involved with Royal King Driving School, LLC. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering a range of brokerage and advisory solutions supported by extensive research and analytics.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. Lin holds the Series 63 and Series 65 designations and previously worked at Pruco Securities, LLC for six years. Outside of the advisory business, Lin has been involved with Delfy Music Inc. since 2010. LPL Enterprise provides investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and other related services.

Joseph Bauer serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he develops goals-based financial advisory relationships tailored to each client's unique investment needs. He promotes a systematic approach to planning and investing that aligns with clients' investment goals, risk tolerance, liquidity requirements, and time horizons. Joseph provides access to a wide range of financial services including customized wealth management strategies, retirement planning, college funding, insurance services, and banking services through Bank of America, N.A. He also offers guidance related to concentrated stock positions, company stock options, and alternative investment strategies when appropriate. His work is supported by internal specialists and BofA Global Research. He holds a Bachelor of Science degree in Finance from Seton Hall University, earned in 1995. Since beginning his career in financial services in 1995, he has been with Merrill Lynch Wealth Management since early 2009. Joseph holds multiple FINRA registrations including Series 7, 9, 10, 24, 31, 63, and 65, as well as life and health insurance licenses in New Jersey and Florida. He has earned the Certified Private Wealth Advisor® (CPWA®) designation and is a member of the Investments & Wealth Institute®.

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 in Red Bank, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior experience includes roles at UBS Financial Services, Merrill, and Cetera Wealth Services, along with five years as a self-employed advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced advisor tools while maintaining a large network of over 22,800 advisors.

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.

Clelia Dimaggio is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she works as a para professional at Red Bank Catholic School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients through a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.