William Clinton Jr. is a CFP® with 18 years of experience in the financial industry. He is currently with LPL Financial and has previously worked at Edward Jones, Barclays Capital, Goldman Sachs Wealth Services, Merrill, and other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 at Merrill with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Merrill, he worked at Fidelity Investments for three years. He has also been involved with Delbarton School in various roles over multiple years. 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.

Sara Jean De Palma is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63, 65, and 66 licenses and having nine years of industry experience. She has worked at Morgan Stanley since 2020 and previously held positions at Park Ave Securities and Guardian. Outside of her advisory role, she bartends and waitresses at local establishments including Lakeside Tavern and Muldoon's. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a variety of investment offerings across retail and institutional markets.

James Caristia is a financial advisor with LPL Financial, holding a Series 66 designation and over 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. He has been a managing member of Caristia, Kulsar & Wade, LLC since 1977. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 with 10 years of industry experience. He holds a Series 66 credential and has worked at several firms including Merrill, Bank of America, and UBS Financial Services. His career spans roles in multiple major financial institutions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations, as part of its financial planning process.

Brandon Hernandez is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including LPL Enterprise, The Prudential Insurance Company of America, PRUCO Securities, and Locust Point Capital. Prior to his financial industry career, he spent six years working in the Livingston School District. Charles Schwab & Co., Inc. serves primarily 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized supervisory and custody arrangements.

Lawrence Bahneman is a Financial Advisor with more than 30 years of experience in the financial services industry. He provides personalized, relationship-driven guidance to help clients make informed financial decisions and align their wealth with their priorities and goals. Lawrence specializes in areas such as investment strategy and portfolio management, retirement income planning, wealth transfer, estate planning considerations, insurance and risk management, as well as collaborating with CPAs, attorneys, and other professionals to deliver coordinated financial solutions. Throughout his career, Lawrence has worked closely with successful individuals and families to bring together various aspects of their financial lives. He follows a goals-based approach that emphasizes understanding each client's unique circumstances, including their family and long-term vision, to provide thoughtful and personalized recommendations. His experience includes helping clients navigate key financial milestones such as retirement planning, liquidity management, education planning, and legacy planning. Lawrence holds a Bachelor's degree from Kings College and has earned professional designations including Chartered Life Underwriter (CLU) and Personal Investment Advisor (PIA). Outside of his professional work, he is involved with Grace Church On The Mount in Netcong, New Jersey.

Thomas Mc Manus is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. His career includes roles at Morgan Stanley and Bank of America, where he has worked since 2007 and 2011 respectively. Outside of his advisory work, he serves as a director for the Friendly Sons of St. Patrick of the Jersey Shore, a charitable organization that raises funds to award scholarships to individuals of Irish descent. 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 to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Jarbeck III is a financial advisor at Merrill with Series 63 and Series 66 registrations and one year of industry experience. Prior to joining Merrill and Bank of America, he has held positions at firms including Citibank, Wells Fargo Bank, and First National Bank of Pennsylvania. Outside of his advisory work, he also serves as an independent contractor delivering food and packages for DoorDash. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm supports a range of account types and uses strategic asset allocation approaches developed by in-house and third-party managers.

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 currently LPL Financial and Active Management, LLC. Outside of his advisory role, he consults for OptMyCare, a healthcare IT company, advising on decks and valuations. 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 range of advisory and brokerage services supported by a large network of investment adviser representatives and utilizes both proprietary research and third-party strategies.

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 20 years of industry experience. His prior firms include MSI Financial Services, Merrill, A. G. Edwards & Sons, and Ameriprise. Outside of his advisory work, he manages a personal insurance business and serves as a trustee for an immediate family trust. Equitable Advisors serves individuals across the wealth spectrum, as well as institutional clients, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party investment programs, including separately managed accounts and ERISA fiduciary services.

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.

Peter Kalin is a financial advisor at Cetera with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including HSBC Securities and Provident Bank. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers.