Joseph Engler is a CFP® professional with 30 years of experience in the financial services industry. He currently works with LPL Financial and has previous experience at Cadaret, Grant & Co., Inc. He also operates Engler Financial Services and Engler Tax Services, and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, including model portfolios, third-party asset management, and customized strategies.

Kristen Reilly is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at Bank of America Private Bank and Dow Jones. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

James Stanton is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation. Prior to his current role, he has experience working at Ramapo College of New Jersey and New Balance North Jersey. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party solutions.

Jonathan Licata is a Series 66-licensed financial advisor with Wells Fargo Advisors in Paramus, NJ, and has five years of industry experience. Before joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing from 2019 to 2025, and previously held roles at Randstad Temp Agency and Manhattan College. Outside of his advisory duties, Licata coaches youth hockey for the Ramapo Youth Hockey Association in Monsey, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients who meet a net-worth threshold. The firm combines advisory services with various financial products and planning strategies to address diverse client needs.

Emilio Montina is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on connecting clients with tailored strategies to help pursue their personal financial goals. He works closely with clients to understand their priorities and develops personalized plans that address various needs including investing, retirement planning, and saving for unexpected events. Emilio is designated as a Personal Investment Advisor (PIA), which supports his advisory work. Emilio holds a Bachelor's Degree from Dominican University.

Jeffrey Fedor is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized investment strategies aligned with their financial goals. His approach involves providing investing advice and access to banking and lending services through Bank of America. Jeffrey holds a Bachelor's degree from Montclair State University and an MBA from Seton Hall University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise encompasses wealth management strategies, financial markets insights, and retirement planning. Outside of his professional work, Jeffrey engages in activities such as biking, boating, fishing, golfing, skiing, woodworking, and yoga, and he spends time with his family.

Kaitlin Nicholis is a financial advisor at Ameriprise with six years of industry experience. Her prior roles include positions at Marcum Wealth, LLC, TIAA-CREF, Commonwealth Financial Network, and Element Financial Group. She serves as assistant treasurer on the board of directors for The Women's Club of Glen Ridge. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Laurie Gross is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 credentials and over 24 years of industry experience. She has been associated with Raymond James and related entities since 2015, including leadership of her own wealth management LLC. Outside of advisory work, she has owned and operated support companies related to her practice. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm delivers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Zahn is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses firm-approved tools and modeling techniques to support clients in developing customized plans.

Michael Ravensbergen is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2016. Ravensbergen serves as a board member for Drew University College Alumni, participating in reunion and alumni programming as well as admissions events. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Joseph Tavano is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

David Heller is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 63 designation and has worked at Royal Alliance Associates, Inc. and Mass Mutual Investors Services, as well as Mass Mutual Life Insurance Company. Outside of his advisory role, he serves as a managing director of Sanders Smith Ltd and provides insurance services as a sales agent. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple investment options, and supports various third-party managed-account platforms.

Christina Giraldi is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for 12 years. Outside of her advisory role, she works as a bartender in Township of Washington, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Winnie Chan is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model outcomes but does not provide individual security recommendations as part of standalone plans.

Michael Bishay is a financial advisor with Fidelity, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Morgan Stanley, JP Morgan Chase, and Merrill. Outside of finance, he is the owner of a tanning salon and retail business in New York City. Fidelity Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves retail and institutional investors and manages multiple registered investment companies and model portfolios.

Jessica Ruff is a financial advisor with Merrill in Ramsey, NJ, holding a Series 66 designation and six years of industry experience. She has been associated with Bank of America and Merrill since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Kevin Budds is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. He also has a background with Bank of America, where he has worked since 2011. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

Ralitsa Delgado is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds a Series 66 designation and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2013. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage, distribution, and investment management capabilities.

Fabiana Nina Amarante is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work includes roles at Bank of America, the Drug Enforcement Administration, and Rutgers University. She formerly owned Iana Beauty LLC, a skincare product 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.