Angel Ayala is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at J.P. Morgan Securities for 13 years and has business experience in the hospitality sector with Gretalia Hospitality and Osteria Procaccini. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions with an emphasis on research-driven portfolio management and a range of financial products distributed through bank and insurance affiliates.

Bruce Barth is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1973. He holds professional designations including Certified Financial Planner (CFP) and Chartered Retirement Planning Counselor (CRPC). Bruce focuses on various client needs such as college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Throughout his career, Bruce has been recognized in multiple industry rankings, including Barron's Top 1,000 and Top 1,500 Financial Advisors from 2009 through 2026, as well as Forbes Best-In-State Wealth Advisors from 2018 to 2026. He holds a bachelor's degree from West Virginia Wesleyan College and participates actively in his community as a member of the 200 Club of Union County, NJ. Bruce emphasizes client education as a key component of his practice, aiming to keep clients informed about events affecting their finances and ensuring they are comfortable with their decisions. A lifelong resident of the Short Hills area, Bruce's personal interests include baseball, fishing, football, gardening, golfing, horseback riding, reading, skiing, and watching movies. He also serves on the boards of several local organizations.

Gregory Gallucci is a Series 66 licensed financial advisor with 21 years of industry experience. He has worked at Merrill since 2017 and at Bank of America, N.A. since 2020, with prior experience at North South Capital, LLC. Outside of advising, he owns Fophie, a food services marketplace 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, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Walters is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Raymond James Financial Services from 2014 to 2020 and has been associated with Sweatt & Walters Associates LLC since 1985. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning services, and retirement consulting, utilizing model portfolios and research from multiple sources.

Renee Golush is a financial advisor at Morgan Stanley with 36 years of industry experience. She has held positions at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Golush holds a Series 63 license and serves as a trustee or co-trustee in trust-related activities outside of her primary advisory role. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Sandra Perez is a Series 66-registered advisor with Merrill in Iselin, NJ, and has 16 years of industry experience. She has been with Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Brian Faig is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Wells Fargo, he worked at Deloitte from 2022 to 2025 and at Nielsen Holdings from 2016 to 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Hedy Zahran is a Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she focuses on understanding clients' goals and helping them navigate options to work towards achieving those objectives. She collaborates with clients to examine their financial plans, define their destinations, and identify appropriate paths, utilizing Fidelity's range of offerings to support meaningful progress. Prior to joining Fidelity, Hedy accumulated extensive experience in the financial sector, including roles such as Vice President at MSCI from 2011 to 2016 and at Pershing from 2008 to 2009. Earlier in her career, she held positions at Goldman Sachs, Credit Suisse, Scudder Kemper Investments, and BEA Associates, gaining a broad foundation in financial services. Hedy holds a California Insurance License, which complements her expertise in financial consulting.

Valentin Arroyo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at Wells Fargo Bank, NYlife Securities LLC, New York Life Insurance Co., and JPMorgan Securities LLC. 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 broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Paul Deehan is a CFP® with 29 years of industry experience, currently with LPL Financial since 2009. He also maintains licenses as an attorney in New Jersey and New York and performs part-time legal work in New Jersey. Prior to LPL, he worked at Guardian Life Insurance Company, where he has been since 2003. 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 advisors. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research-supported strategic and tactical model portfolios.

James Soldati is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2017. His background includes time at Washington University in St. Louis and the Olin Business School. 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 ESG criteria in its investment recommendations.

Brett Fortune is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and bringing seven years of industry experience. He has been with MML Investors Services LLC since 2019 and MassMutual Life Insurance Company since 2018. Outside of his advisory role, he works as an independent insurance agent specializing in life, disability, long-term care, and health insurance products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual, collaborative relationships that use firm-approved tools to analyze goals and provide written recommendations.

Fred Larocca is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. He has worked with Charles Schwab since 1997, with a brief period at TD Ameritrade from 2019 to 2023 before returning to Schwab. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios and alternative investment due diligence.

Dennis Dobrosky is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Dennis earned a Bachelor's Degree from the College of the Holy Cross.

Dennis Quinn is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 designation and 24 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and previously at Metlife Securities Inc. from 2015 to 2017. Outside of his advisory role, he is the owner of Creative Risk Management LLC and operates as an independent insurance agent specializing in disability, fixed annuities, and life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that use firm-approved tools to analyze client goals and provide written recommendations.

Colin Sullivan is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2013, including tenure at Bank of America, N.A. since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including strategic asset allocation and tax-aware options.

Vincent Melillo is a financial advisor with LPL Financial, holding a Series 65 designation and based in New Providence, NJ. He joined LPL Financial in 2025 and has prior experience at Abruzzo Accounting LLC, Fort Group Inc, and SOS Security LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, with support from in-house and third-party research.

Keith Macey is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at City National Bank and Citigroup. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm uses quantitative modeling and centralized due diligence, incorporating an ESG eligibility framework in its recommendations.

James Leuenberger is a financial advisor with LPL Enterprise who holds the Series 63 and Series 65 licenses and has 13 years of industry experience. He has worked at Prudential Insurance Company of America since 2012 and joined LPL Enterprise in 2024. He is also involved in the sale and service of Prudential-sponsored property and casualty insurance. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory services, and brokerage products through an integrated platform that combines adviser programs with insurance and lending services.

Jonathan Beaubien is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, and Certified Financial Services. Outside of his advisory work, he serves as a board member for KYDS, a youth and community development organization, and works as a baseball instructor at Leftys Sports Academy. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, employing firm-approved tools to analyze client goals and deliver written recommendations.