Angelantonio Ciaglia is a financial advisor with Mass Mutual Investors Services, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. His prior roles include nearly two decades at Oppenheimerfunds, Inc., as well as positions at Equitable Advisors and AXA Advisors. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Mary Ann Giaimo is a financial advisor with Ameriprise in Warren, NJ, holding a Series 66 designation and 23 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she participates as a judge for a student presentation panel at Seton Hall University. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency strategies to produce annual, non-discretionary recommendations in partnership with advisors like Mary Ann.

Lori Clarke Romano is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Cenlar for twelve years before joining J.P. Morgan Chase Bank and J.P. Morgan Securities. 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 through a team of Wealth Advisors. The firm combines institutional advisory services with affiliated brokerage and investment management capabilities.

Daniel Nigro is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads the TWN Wealth Management Group, which focuses on fulfilling the financial needs and goals of clients through a personalized approach. The group works collaboratively with clients and their other trusted advisors to develop consistent and practical advice, utilizing a goals-based wealth management process and customized strategies. Dan's expertise includes asset management, portfolio analysis, options strategies, and cash management. He is a qualified Portfolio Manager who builds and manages personalized or defined strategies for clients, which may involve individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Dan earned his bachelor's degree from Johnson & Wales University. He has received recognition as one of On Wall Street's "Top 40 Advisors Under 40" in 2018 and has been named to Forbes' "Best-in-State Wealth Advisors" list in 2018, 2019, and 2020.

Donald Fowler is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leverages over 30 years of experience to provide clients with personalized wealth management strategies tailored to their individual financial situations and goals. Donald emphasizes a comprehensive approach that includes asset preservation, income, and growth, incorporating a diversified mix of cash, fixed income, global equities, and other investments. His practice also encompasses retirement planning, family wealth management, estate structuring, and business ownership considerations. Donald holds a Bachelor's Degree from Albright College and a High School Diploma from Nottingham High School. He has earned professional credentials as a Certified Investment Management Analyst (CIMA) and a Personal Investment Advisor (PIA). Early in his career, he developed expertise in bond portfolios, which informs his current use of a broad spectrum of fixed income investments. Donald is committed to client education and works closely with each individual to understand their financial history, concerns, and expectations to build strategies designed to help pursue long-term financial well-being. Born and raised in Mercer County, Donald continues to reside there with his wife, Margaret. He is involved in community activities, including volunteering with the Boy Scouts of America. Outside of work, he enjoys golfing, paddle tennis, and spending time with his four sons on family vacations.

Krzysztof Przywara is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JP Morgan Securities, Citizens Securities, and Uber. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary strategies supported by analytical modeling and offers specialized advisory programs such as municipal and SIMPLE IRA Employer Advisory services.

Gaurang Pandya is a CFP® certificant with seven years of industry experience, currently affiliated with Cetera. His prior experience includes a 25-year tenure at Prudential Financial Inc. and roles at Allied Wealth Partners and Securian Financial Services. Outside of advising, he serves on the board of his condominium association, volunteers as a driver safety instructor and speakers bureau member for AARP, and participates on the CFP Board of Standards’ Disciplinary Enforcement Committee hearing panel. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm provides portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform with both discretionary and non-discretionary options.

Joel Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience in the financial services industry, having joined Merrill Lynch in 2016. Joel focuses on understanding the priorities of high-net-worth individuals and families and delivering personalized financial strategies to support their goals. His expertise encompasses a wide range of financial planning areas, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. Joel works with clients to develop customized approaches involving equities, fixed income, alternative investments, options, ETFs, and other investment types, while also providing access to banking, credit, and lending services through Bank of America. He holds Series 3, 7, 63, and 65 FINRA registrations. Joel earned a Bachelor’s degree in Business Administration from the University of Delaware. He is actively involved in his community, having served as the President of the Bedminster Far Hills Little League, reflecting his commitment to local engagement.

Justin Branch is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 credential and five years of industry experience. He has been with Equitable Advisors since 2020 and is also involved with Sylvan Learning Center as a tutor. Prior to his current roles, he worked at Rutgers University and Jespy House from 2015 to 2020. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm emphasizes matching clients to program models or discretionary managers through a network of Investment Adviser Representatives and offers a range of third-party and proprietary investment solutions.

Andrew Kowitski Jr. serves as a Senior Financial Advisor and Portfolio Manager, holding the Sports and Entertainment Accredited Wealth Management Advisor™ designation. He works within Merrill Lynch Wealth Management, where he applies a consistent approach developed through years of experience navigating multiple market fluctuations. Andrew collaborates closely with clients to build personalized investment strategies that align with their financial goals and changing market conditions. He specializes in family wealth management strategies, portfolio management services, and focuses on clients in the sports and entertainment sectors. Andrew customizes his strategies around clients' priorities, risk tolerance, time horizons, liquidity needs, and objectives. He is committed to Merrill's goals-based wealth management process to help clients pursue meaningful objectives, including lifestyle aspirations and securing a lasting legacy. Andrew holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He completed his high school education at Spotswood High School and earned an Associate's Degree from Middlesex County College. Additionally, he attended Kean University without conferring a degree. Outside of work, Andrew enjoys spending time with his family, swimming, and woodworking.

Nicholas Petrole is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and three years of industry experience. Before joining Mass Mutual, he held various roles including multiple positions at Rowan University and retail management at Shoprite. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. Their approach involves collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation through separate brokerage or insurance arrangements.

John Cusate is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and having 37 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management. The firm provides a broad range of services including fee-based financial planning, discretionary portfolio management, and capital markets activities.

Mark Singh is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., AXA Advisors, LLC, and GWN Securities, Inc. Outside of finance, he has been involved with 1st Class Entertainment & Productions LLC as an artist and musician since 1999. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and a range of brokerage and insurance products.

Brant Roun is a financial advisor with UBS Financial Services in Princeton, NJ, holding Series 63 and Series 66 licenses and having three years of industry experience. Prior to joining UBS in 2025, he worked at Fidelity Investments for two years and held various roles at the University of Delaware and other organizations. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk profiles.

Barry Guariglia is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Dawn Lewis is a financial advisor at Merrill with 38 years of experience in the industry. She holds a Series 66 designation and has been with Merrill since 1988. Outside of her advisory role, she operates a part-time sole proprietorship called The Gourmet Cupboard, selling spices and mixes at home parties. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Francis Vitellaro is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes positions at Securities America, Inc. and Investacorp Advisory Services, Inc. Vitellaro also serves as an advisor at Premier Wealth Services, an investment advisory and asset management firm. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with multiple platforms, employing asset-allocation tools and third-party solutions to construct diversified portfolios.

Michael Muzikar is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 22 years of industry experience. He has previously worked at Invest Financial Corporation and Axa Advisors, Llc. Outside of finance, he is a professional comedian and owner of Mike Muzikar's Comedy. Equitable Advisors serves individual and institutional clients with financial planning, retirement consulting, and asset management programs. The firm delivers advice through a network of Investment Adviser Representatives and partners with third-party asset managers and LPL-sponsored advisory programs.

Bilal Mian is a Series 66-licensed financial advisor with J.P. Morgan Securities in New Brunswick, NJ, bringing two years of industry experience. His prior roles include positions at Merrill Lynch and PNC Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client decision-making.

Jose Diaz is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2011 and previously held positions at Santander Bank and Santander Securities. Outside of his advisory role, Diaz owns and manages multiple residential rental properties and has worked as an independent rideshare driver. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.