Todd Lapinson is a financial advisor at Wells Fargo Advisors with over 31 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 registrations. Prior to joining Wells Fargo Advisors, he worked at Wells Fargo Clearing and Prudential Equity Group, LLC. Additionally, he has ownership interests in Pronomic Wealth Management, LLC and JAZ Holdings, Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients who meet a net-worth threshold, utilizing Wells Fargo research and tools to develop recommendations delivered through meetings and summary letters.

Walter Holmes is the Wealth Management Planning Consultant at Fidelity Private Wealth Management in Paramus, NJ. In this role, he assists families in building, preserving, and transferring their wealth according to their wishes. He has been with Fidelity Private Wealth Management since 2015. Prior to this, he held positions as Vice President-Financial Consultant and Financial Consultant at Fidelity Investments from 2007 to 2015. His earlier experience includes financial consulting roles at JPMorgan Chase, Morgan Stanley, and Olde Discount Corp from 1995 to 2006. Outside of his professional work, Walter enjoys spending time at the beach, attending concerts, engaging in family activities, hiking, skiing, and traveling.

Katherine Ferriter is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Morgan Stanley since 2020 and previously worked as a consultant for ICON Consultants–Deutsch Bank in 2018. Outside of her advisory role, she serves as a board member for the Central Park Place at Ramsey Condominium Association in New Jersey. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies, including global investment estimates and scenario modeling. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Zachary Tanis is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and six years of industry experience. His work history includes roles at Primerica Financial Services and Primerica Advisors, as well as positions with Kalish Law Group, Tanis Greens LLC, and educational institutions such as William Paterson University and the Netherlands Reformed Christian School. Primerica Advisors manages a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services primarily through model-based investment strategies managed by third-party asset managers.

Sergio Piccinich Jr. is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he held positions at Citigroup Global Markets Inc and A. G. Edwards & Sons, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and proprietary investment research in its financial planning process.

William Courtwright is a financial advisor with Ameriprise, holding a Series 63 credential and 30 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he consults for CMA 92, LLC, providing client service in the Central and Southern regions of New Jersey. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. It provides a retirement-income planning service aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver customized written recommendation reports.

Samuel Peguero is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2016. In his current role, he focuses on providing a holistic financial planning experience tailored to clients' individual financial goals. He works collaboratively as part of Fidelity's wealth management team to guide clients through various life stages and financial complexities, utilizing Fidelity's resources to create customized financial plans. Prior to his current position, Samuel held roles as Branch Leader and Vice President Financial Consultant at Fidelity Investments. Before joining Fidelity, he gained experience as a Wealth Management Advisor at TIAA and as an Investment Consultant at TD Ameritrade. His career reflects a consistent focus on financial consulting and investment advisory services. Outside of his professional endeavors, Samuel has personal interests that include baseball, beach activities, concerts, fitness, music, and traveling.

Zachary Njoga is a financial advisor with Primerica Advisors, holding a Series 63 designation and 13 years of industry experience. He has worked at Pfs Investments Inc. since 2011 and with Primerica Financial Services since 2008. In addition to his advisory role, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts for individual and high-net-worth clients, with a focus on wrap-fee solutions rather than institutional plan management.

Stephen Rosenzweig is a financial advisor with Mass Mutual Investors Services holding a Series 66 license and starting his advisory career in 2025. Prior to joining the firm, he worked at Simple Funding Solutions for eight years. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers detailed, collaborative planning engagements supported by firm-approved analytical tools and also provides specialized services such as divorce planning and estate-settlement programs.

Thomas Allen is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015 and 2016, respectively. Outside of his advisory role, Allen is a member of two real estate LLCs where he participates as a silent partner and owner. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts and offers a centralized, integrated approach to advisory, brokerage, custody, and cash management services.

Paul Gordon is a financial advisor with Ameriprise in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Ameriprise and its affiliated entities since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Joseph Marotta is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Wayne, NJ branch. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Joseph utilizes a disciplined process to understand clients' needs before making recommendations, focusing on wealth management strategies to assist individuals and families in achieving their financial goals. Joseph began his finance career in 1997 in the Capital Markets division at Thomson Reuters and transitioned in 2006 to working directly with clients at Wells Fargo Advisors before joining Merrill Lynch. His expertise spans a range of areas including college education planning, family wealth management strategies, legacy planning, retirement income, special needs planning strategies, and portfolio management services. Prior to his finance career, Joseph served as an officer in the U.S. Marine Corps. He earned his Bachelor's degree from Villanova University. Joseph resides in Montville, NJ with his wife and three children. Outside of work, he enjoys baseball, chess, football, hiking, music, traveling, and woodworking. He actively volunteers with organizations such as the Aiding Marines Family Foundation and the Christopher Whitehouse Foundation and is a member of the Semper Fidelis Society, reflecting his commitment to community involvement and supporting veterans.

Michael Maglio is a financial advisor with LPL Financial in Totowa, NJ, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory work, he occasionally performs mystery shopping evaluations for local businesses and is involved in a non-securities related family business called TopHealth.Life. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and oversight of over $819 billion in discretionary assets.

Edward Conklin Jr. is a financial advisor at Merrill with Series 63 and Series 65 credentials and 41 years of industry experience. He has been with Merrill since 1984 and has worked at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Ethan Courtwright is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked for 15 years at Paige Packaging. Outside of his advisory role, he manages a separate advisory business through CMA92 LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Brian Pomarlen is a financial advisor with Ameriprise in Wayne, NJ, holding a Series 66 designation and 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Outside of his advisory role, he is involved in business ownership with Bramwellworth Associates LLC and Doden Associates LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, with an emphasis on assets held in Ameriprise Managed Accounts.

Giuliano Gashaj is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2016. Outside of his advisory role, he is involved as an owner and partner in multiple small real estate ventures in the Bronx, New York. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm combines quantitative and qualitative research to develop model asset allocations and offers a range of portfolio services through its affiliates.

Stanley Malecki is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has worked at Cetera and its affiliated entities since 2013 and is currently co-owner of Crosscoast Legacy Partners, a recruiting platform where he leads recruitment efforts and business development. He is also president of Malecki Financial Group. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures and manager selections.

Sean Foye is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2015. Outside of his advisory work, he serves as an assistant varsity coach at Don Bosco Preparatory School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Rachel Trimble is Vice President and Wealth Planner at Fidelity Investments, a role she has held since 2022. She provides one-on-one financial planning tailored to clients experiencing various life events, including retirement, investment strategy, education, and charitable planning. Rachel collaborates with clients to develop comprehensive, long-term plans that address their financial goals. With over 17 years of experience in the financial services industry, Rachel has held several positions at Fidelity, including Financial Consultant from 2015 to 2022 and Investment Consultant from 2014 to 2015. Prior to joining Fidelity, she worked as an Investment Client Associate at US Bancorp, a Private Wealth Client Associate at UBS, and as a Financial Advisor at both JP Morgan Chase and Merrill Lynch. Outside of her professional work, Rachel enjoys activities such as biking, hiking, scuba diving, attending social events with friends, visiting museums, and exploring culinary experiences.