Eng Lian is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Citizens Securities, HSBC Bank USA, and Citigroup. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets and operates a large national network of financial advisors and branch offices.

Krista Dugan is a financial advisor with Cetera who holds the ChFC® designation and has 12 years of industry experience. She has worked at Cetera since 2025, with prior roles at Avantax Investment Services Inc. and Ironpath Financial, among others. Dugan also serves as a Client Services Specialist at Michael S. Licitra, CPA, PC, where she supports client relationships and account maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

David De Cerbo is a Senior Resident Director and Wealth Management Advisor at Merrill, where he has been serving clients since 1998. In his role, he focuses on creating and managing wealth management strategies tailored to individual needs. He works with high-net-worth clients, closely held businesses, and leads efforts with foundations, endowments, and nonprofit organizations. His responsibilities include discretionary investment portfolio management, asset allocation, investment selection, and performance monitoring to help clients achieve their financial objectives. David holds a Bachelor’s degree from Rochester Institute of Technology and an MBA in Finance from Rutgers University. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Knights of Columbus. Residing in Metuchen, New Jersey, David is active in his community, serving on the board of the Metuchen Golf & Country Club and participating in the Knights of Columbus. In his personal time, he enjoys golfing and spending time with his family.

Alexandra Ruszala is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Merrill since 2023. Prior to joining Merrill, she worked at UBS Financial Services from 2016 to 2023. She holds a Series 66 license and is based in East Brunswick, NJ. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Iwona Grabowski is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has one year of industry experience and previously worked at Pruco Securities LLC and as a business owner. Outside of her advisory role, she is a life coach and personal trainer. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels, offering financial planning, consulting, model portfolio programs, and access to third-party asset managers.

Stuart Margulis is a financial advisor with Morgan Stanley Wealth Management based in Short Hills, NJ, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a drummer for a local classic rock band, The Mountain Jam Band. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models to support tailored financial plans, serving clients both directly and through corporate financial planning agreements.

Jonathan Langley is a Wealth Management Advisor with Keller, Spedaliere and Langley at Merrill Lynch Wealth Management. He is also a qualified Portfolio Manager who provides traditional advice and guidance while helping clients pursue their objectives by building and managing personalized or defined strategies. These strategies may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. When servicing clients through the firm's Investment Advisory Program, he may manage their strategies on a discretionary basis. Jonathan's interest in investing began at the age of ten when he requested a meeting with his family's financial advisor. He began interning with the wealth management team as a high school senior and continued through college while attending Rutgers University. Upon graduating in 2006, he joined the team officially. Jonathan holds a Bachelor's Degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He also holds the Personal Investment Advisor (PIA) designation. Jonathan resides in Lebanon, New Jersey with his wife, Jonya, and their two children. He is an avid reader and follows the Dave Matthews Band and the New York Giants. His interests include traveling with his family, spending time on Long Beach Island, entertaining family and friends, home improvement projects, and the arts. Jonathan attained the rank of Eagle Scout in 1999 and serves as the 2002 St. Joseph High School Class Chair. He is active in community organizations, serving as a Cub Scout Den Leader, and he and his wife are sustaining members of PBS and supporters of St. Jude's Children's Hospital. They are parishioners of the Church of the Holy Spirit in Lebanon.

Yasmeen Kassim is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. throughout her career. Outside of her advisory role, she is a co-owner of a family rental property business. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mildred Tabor Winkle is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and executor for several family trusts. 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 advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Robert Korlesky is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides personalized and comprehensive wealth management services focused on preserving and growing client assets, optimizing tax-efficient retirement distributions, and implementing tax-advantaged estate strategies. His client work includes family wealth management, legacy planning, retirement income, portfolio management, liquidity management, and socially responsible investing. Robert holds a Bachelor’s Degree from East Stroudsburg University and is designated as a Personal Investment Advisor (PIA). He applies Merrill’s goals-based wealth management approach to help clients articulate their financial objectives and navigate complex wealth challenges. Robert emphasizes educating clients and their families about the wealth management process and investment strategies. Committed to community involvement, Robert participates in local organizations through volunteer work. His personal interests include camping, fishing, golfing, and woodworking. He believes in adapting investment strategies in response to life changes to support clients’ retirement lifestyles and long-term financial goals.

Devlin Formey is a financial advisor at Morgan Stanley with three years of industry experience and holds a Series 66 designation. His prior roles include positions at RFG LLC, Northwestern Mutual, Merrill, and Bank of America. Outside of finance, he operates a football training business in West Caldwell, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs supported by structured planning tools and a wide range of investment products.

Michael Pinto is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at TIAA-CREF and joined Fidelity in 2021. Outside of his advisory role, he is the sole proprietor of Nations LLC, a sports cards and memorabilia business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm supports various advisory structures and employs systematic methodologies to manage portfolios across mutual funds, ETFs, and ETPs.

John Schade is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm operates on a non-discretionary basis, combining institutional advisory services with brokerage and investment management capabilities.

Jeel Patel is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he worked at Bank of America, Newfield National Bank, and Todd's news agency. He is a partial owner of a small family business, JilKrish LLC. 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 plans, corporations, and charitable organizations.

Mark Mazzei is a financial advisor with Ameriprise in Westfield, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of advising, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Fauzia Huma is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at Bank of America, N.A., Connolly & Co, and Nimbus Infinity LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Garretson is a CFP® with 22 years of industry experience, currently serving at Wells Fargo Clearing since 2017. Prior to this, he worked for Merrill Lynch, Pierce, Fenner & Smith Incorporated for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Pillori is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2012. He partners with individuals and families to educate them on investment opportunities and develop comprehensive financial plans aimed at helping clients pursue their financial goals. He utilizes the resources of Fidelity Investments to support his advisory work. With 39 years of industry experience, David has held leadership roles at several financial institutions, including Vice President positions at Merrill Lynch, Pershing, LLC, and ABN AMRO Inc. He also served as Associate Managing Director at Lebenthal & Co., LLC, and Assistant Vice President roles at Bankers Trust Co. and Societe Generale. His personal interests include family activities, golf, and softball.

Sean Kelliher is a CFP® professional with 27 years of industry experience, currently serving at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Kelliher participates on the Series 7 Item Writing and Review Committee, contributing to the development and review of exam questions. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Samantha Kucevic is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has previously worked at Balance Face and Body and Fairleigh Dickinson University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that uses structured discovery conversations and firm-approved planning tools to support client decision-making.