Linda J. Hoffman is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2000. In her role, she works closely with high net worth clients and their families to develop and maintain comprehensive financial plans. Her expertise includes wealth accumulation, cash flow generation, estate planning considerations, and tax efficient investing. She maintains ongoing dialogues with clients to address current or future life events that may impact their financial situations. Outside of her professional work, Linda has interests in biking, camping, fitness, hiking, kayaking, and traveling.

Gaetano Naccarella is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing advice and guidance to clients with varying levels of investment experience. He applies institutional investment strategies to individual client portfolios through Merrill's Investment Advisory Program. Gaetano’s responsibilities include portfolio construction, presenting financial strategies to both existing and new clients, and conducting annuity and insurance analyses. With 28 years in the financial services industry, Gaetano has experience spanning institutional and retail investing. Before joining Merrill Lynch in 2012, he worked as a Floor Trader for Alliance Bernstein at the New York Stock Exchange and later as a Private Banker at Wells Fargo. He holds FINRA Series 7, 63, and 65 registrations, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gaetano earned a Bachelor's degree from Rutgers University. Outside of his professional career, Gaetano enjoys baseball, cooking, football, golfing, ice hockey, music, table tennis, watching movies, writing, and spending time with his family.

Maximo Centeno is a financial advisor with Cetera and holds the Series 63, Series 65, and Series 66 designations. He has 21 years of industry experience and has worked at firms including Equitable Advisors and Kearny Bank. Outside of advising, he is a part-owner of CROSSREM LLC, an e-commerce platform delivering food and groceries overseas. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform, allowing advisors to implement model portfolios, select third-party managers, or build customized strategies.

Edmund Iannelli is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves in multiple appointed roles within the Ho-Ho-Kus, NJ town government, including liaison to the recreation commission and deputy commissioner roles for the police department and volunteer ambulance corps. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Malcolm Greenough is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Raymond James since 2008 and is also the owner of MWG Wealth Partners. Outside of his advisory roles, he serves as Chairman of the Board of Directors for Ascendia Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains unique affiliations that enhance its municipal and public finance services.

Geancarlo Cardenas is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He has worked at Merrill since 2015 and has also been affiliated with Bank of America, N.A. since 2024. 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 strategies supported by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutions.

Robert Barbuto is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has previously worked with Charles Schwab Bank, Charles Schwab & Co., Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services. Barbuto is based in Paramus, NJ. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios and both discretionary and non-discretionary investment options.

Carol Ungar is a financial advisor with Cetera, holding a Series 63 designation and 42 years of industry experience. She has worked at Cetera and its related entities since 2005 and has been associated with Ungar & Mullin Financial Associates, Inc. since 1986. In addition to her advisory work, she is involved in tax preparation through her firm Ungar & Mullin Financial Associates and works part-time as a receptionist at Weight Watchers. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management strategies and program structures, supporting both discretionary and non-discretionary authorities.

Brianne Burdzy is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 license with nine years of industry experience. She previously worked at UBS Financial Services for ten years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by advanced modeling tools.

Simone Cahill is a financial advisor with Fidelity, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Fidelity, she worked at KPMG, LLP for five years and State Street Corp. for eleven years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Thomas La Macchia is a financial advisor at Morgan Stanley with four years of industry experience and a Series 66 designation. His prior roles include positions at Securian Financial Services and Allied Wealth Partners. Outside of his advisory work, he is involved in community activities as a hockey coach for youth and is affiliated with Arcola Country Club. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Christian Desfosses is a Wealth Management Advisor at Merrill Lynch Wealth Management. He partners with clients to develop personalized financial plans aimed at achieving their family’s long-term goals. Christian focuses on areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Christian holds a Master’s Degree from Fairleigh Dickinson University and a Bachelor’s Degree from Fairfield University. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). With his team, he brings nearly a century of combined experience to guide clients through the complexities and challenges of wealth management. Outside of his professional role, Christian enjoys antiquing, golfing, music, spending time with his family, and watching movies. He emphasizes simplicity and transparency in his client relationships and values a collaborative approach, describing his group as a family that works with other families.

Patrick Garcia is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has worked at Ameriprise since 2017, previously spending a year at Wells Fargo Advisors. Outside of advisory, he is involved in independent insurance brokering and owns PCK Group, LLC. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Amy Herrera is currently a Planning Consultant at Fidelity Investments, where she assists clients using comprehensive planning tools to support them through various life events. She focuses on understanding what is important to her clients and their families to provide tailored support. Her professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as serving as a Relationship Banker and Brokerage Associate, and previously as a Personal Banker at Wells Fargo Bank. These positions have contributed to her expertise in financial planning and client relationship management. Outside of her professional work, Amy enjoys family activities, exploring food, social events with friends, movies, spending time with pets, and reading.

Thomas Burke is a CFP® with 39 years of industry experience currently advising at Cetera since 2018. His prior work includes over a decade at Genco Holdings and earlier roles within Cetera. Outside financial advising, he is involved in diverse business activities including managing a certified public accounting firm, a local trucking company, and bookkeeping services for a bakery. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options, combining discretionary and non-discretionary services across multiple program structures and custodial relationships.

Jessica Wuerz is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. She has worked at Cetera Investment Services LLC since 2019 and previously spent 17 years with Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Steven Dipaola is a financial advisor with LPL Enterprise in Paramus, NJ, holding the Series 63 and Series 66 licenses and bringing 36 years of industry experience. His prior roles include positions at Bankers Life Advisory Services, Humana, United Health Care, Aetna, and Northeast Securities. LPL Enterprise serves a diverse client base including individuals, high-net-worth clients, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management programs, and a broad range of brokerage and insurance products supported by a platform that integrates advisory services with insurance sales and lending programs.

Brandon Pergola is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked at several firms including First Allied Securities and EP Wealth Management. Outside of his advisory role, he serves as Alumni Class President for Passaic Valley Class of 1999 and is a managing member of a consulting firm, MAKE IT HAPPEN VENTURES LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that provides discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement a range of investment strategies across various program structures.

Joseph Dailey is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Merrill and Bank of America before joining J.P. Morgan in 2021. Outside of his advisory role, Dailey owns a small woodworking business called CJD Designs LLC, where he creates commissioned pieces. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, emphasizing quantitative asset-allocation modeling and centralized manager due diligence. The firm integrates ESG criteria in its recommendations and operates within the broader J.P. Morgan financial organization.

Cristian Sierra is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and HSBC Securities. 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 strategies for individuals, high-net-worth clients, and institutional investors.