Kenneth Vostal is a CFP® professional with 30 years of industry experience, currently serving at Morgan Stanley since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

John Penn is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes a year at Oppenheimer & Co, Inc. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options, notably insurance-related vehicles and bank deposit sweep programs.

William Clinton Jr. is a CFP®-designated financial advisor with 18 years of industry experience, currently with LPL Financial since 2022. His previous roles include positions at Edward Jones and Mirae Asset Global Investments (USA) LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs and financial services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ellen Stuart is a financial advisor at Edward Jones with nine years of experience at the firm and prior experience working for school districts in Livingston and Chatham, New Jersey. She holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Kyle Swift is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and two years of industry experience. He previously worked at Fidelity Investments and has held various roles connected to Delbarton School and Virginia Tech. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to a range of clients including individuals, high-net-worth investors, and charitable organizations.

Sara Jean De Palma is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Outside of her advisory role, she works bartending and waitressing at local establishments during weekends. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

James Caristia is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He has worked at LPL Financial since 2019 and previously spent nine years with 1st Global Capital Corp. and 1st Global Advisors, Inc. Caristia is also managing member of Caristia, Kulsar & Wade, LLC, which he has been associated with since 1977. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by research and model portfolios.

Jesus Amateco Espiridion is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo and JPMorgan Chase Bank. Outside of his advisory role, he owns and operates Ampro Property Maintenance LLC, which provides upkeep and repair services for commercial and residential properties. J.P. Morgan Securities LLC offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling, manager due diligence, and an ESG eligibility framework in its recommendations.

Michael Spellman is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2000. He specializes in retirement and investment income strategies, focusing on business executives, physicians, and retirees. As a partner of the GCCA Group, an 11-person team managing approximately $2 billion in client balances, Michael contributes to delivering personalized financial services backed by the resources of Merrill Lynch. Michael began his academic journey at Rutgers College on a track-and-field scholarship, earning a bachelor's degree in political science. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials support his expertise in areas such as tax minimization, wealth accumulation, asset preservation, retirement income planning, and wealth distribution. Outside of his professional work, Michael enjoys long-distance running, Rutgers football games, and fishing. He and his wife, Jessica, who is an Associate Professor of Anesthesiology at Columbia University, live in Essex Fells and spend time with their twin sons.

Peyton Sardanis is an Investment Consultant at Fidelity Investments, where they have been serving since 2025. Prior to this role, Peyton worked as a Financial Representative at Fidelity Investments from 2023 to 2025. In their current position, Peyton focuses on understanding clients' current and future financial goals to help them feel confident and comfortable in achieving those goals. They aim to build an open and collaborative relationship with clients, working as a team to reach financial objectives. Outside of their professional work, Peyton has interests in cooking and baking, fitness, outdoor adventures, parenthood, pets, and running.

Thomas Murphy is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with nine years of industry experience. His prior roles include positions at Raymond James & Associates, Equity Services Inc, National Life Group, UBS Financial Services, Bank of America, Merrill, and Credit Suisse Securities. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Brandon Hernandez is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked previously at LPL Enterprise, The Prudential Insurance Company of America, PRUCO Securities, and Locust Point Capital. Prior to his financial services career, he spent six years working in the Livingston School District. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options alongside integrated brokerage, custody, and advisory services.

Lawrence Bahneman is a Financial Advisor at Merrill Lynch Wealth Management with more than 30 years of experience in the financial services industry. He provides personalized, relationship-driven guidance to help clients make informed decisions, build lasting financial security, and align their wealth with their priorities. His approach encompasses understanding each client's unique goals, family dynamics, and long-term vision to deliver thoughtful strategies supporting them through every stage of life. Mr. Bahneman specializes in assisting successful individuals and families with financial decision-making and gaining confidence about their future. Beyond investment management, he serves as a personal family resource, coordinating complex financial decisions that impact clients' lives, families, and long-term legacy. His expertise includes retirement income and Social Security strategies, tax-efficient wealth transfer, estate planning considerations, insurance and risk management evaluation, as well as collaboration with CPAs, attorneys, and other trusted professionals to provide a comprehensive approach. He holds a Bachelor's Degree from Kings College and has earned professional designations as a Chartered Life Underwriter (CLU) and Personal Investment Advisor (PIA). Outside of his professional work, Mr. Bahneman is involved in his community through Grace Church On The Mount in Netcong, NJ. He also enjoys various recreational activities including baseball, basketball, boating, bowling, football, golfing, ice hockey, pickleball, traveling, and watching movies.

Jed Glick is a CFA® charterholder based in Morristown, NJ, with seven years of industry experience. He has worked at firms including Seelaus Asset Management, Ibex Wealth Advisors, and Boatwright Capital LLC. Outside of advising, he serves as a healthcare IT consultant for OptMyCare, assisting with fundraising decks and valuations. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing access to model portfolios, research, and various investment management options.

Steve Grossbard is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 registrations and has 37 years of industry experience. He has previously worked at Prudential Insurance Company of America and First Allied Advisory Services. Outside of his advisory role, Steve is a self-defense coach and conducts self-defense seminars several times a month. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including wrap accounts and educational seminars.

Jingtong Zhi is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley in 2018 and returning in 2020, Jingtong held roles at Loyola University Maryland and American Eagle Outfitters. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by the Global Investment Committee’s analyses and approved tools.

Michael Riley is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 19 years of industry experience. He previously worked at Metlife Securities and AXA Advisors, LLC before joining Equitable Advisors in 2016. Outside of his advisory role, he is involved in a personal property and casualty insurance business and serves as a trustee for an immediate family trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

James Ahern is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Summit, New Jersey. He is part of the Hinds Fisher Ahern Group, collaborating with colleagues to provide comprehensive financial services. Their team offers wealth management and investment guidance, complemented by access to banking and lending solutions from Bank of America. This integrated approach is designed to help clients monitor and manage their finances efficiently through a single platform. Mr. Ahern’s career spans multiple major financial institutions including JP Morgan, Smith Barney, Legg Mason, and the Depository Trust. He joined Merrill Lynch in 2008, initially supporting Financial Advisors in implementing alternative investment strategies such as hedge funds, private equity, and structured investments. His experience included a role managing sales of structured investments in the Midwest region before relocating back to New Jersey in 2016 to focus on serving families and businesses alongside his team. He holds a Bachelor's Degree from Yale University and professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of work, Mr. Ahern resides in Manasquan, New Jersey with his wife and four children. He is active in his local community and coaches youth baseball and basketball.

James King is a financial advisor at Stifel with 38 years of industry experience. He holds Series 63 and Series 65 licenses and worked at RBC Capital Markets for 15 years before joining Stifel in 2023. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach uses a proprietary methodology based on forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Robert Kaufman is a financial advisor with J.P. Morgan Securities in Morristown, NJ, holding the Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with J.P. Morgan Securities since 2008 and also employed by JPMorgan Chase Bank, N.A. since 2010, enabling him to offer certain bank products and services alongside investment advisory. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling and centralized due diligence. The firm offers tailored advice on asset allocation, investment manager searches, and performance reporting through a select group of Wealth Advisors.