Kelsey Delehanty is a Series 66-licensed advisor at Merrill with 13 years at the firm and 4 years of industry experience. She is based in Paramus, NJ. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cory Meehan is a financial advisor at Fidelity with Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at South Shore Bank and the University of Rhode Island, as well as experience in the food service industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management, and it maintains notable regulatory registrations and advisory roles in the industry.

Charles Reitemeyer is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2013. Prior to this, he has worked at JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research to build model asset allocations and incorporates ESG considerations in its recommendations.

Peyton Steitz is a Financial Advisor at Merrill Lynch Wealth Management, where he serves entrepreneurs, business owners, and affluent families across Northern New Jersey and the lower Hudson Valley. He develops long-term financial strategies tailored to clients' goals and ambitions, focusing on personalized guidance and a long-term perspective. Steitz's expertise includes assisting clients with managing financial priorities such as home purchases, college savings, elder care, and healthcare needs. He works closely with clients to define their goals and select portfolio strategies designed to achieve them, providing ongoing advice and adapting portfolios as situations change. He holds the Professional Investment Advisor (PIA) designation. He earned a High School Diploma/GED from Manatee-Sarasota and completed an Accredited Certificate Program at The Connecticut School of Broadcasting. Steitz is fluent in English and Spanish.

Thomas Nervegna is a financial advisor at Cetera with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with Cetera and Cetera Wealth Services since 2013. Outside of his advisory work, he is actively involved in Masonic organizations, serving as secretary and past master in multiple lodges. Cetera Investment Advisers LLC is an SEC-registered firm offering services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients with a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

McKenzie Bishop is a Planning Consultant at Fidelity Investments, where she collaborates closely with the local Wealth Planner and Vice President Financial Consultants in the Paramus office. She focuses on delivering a comprehensive planning experience tailored to clients' individual goals and life plans. Her experience at Fidelity Investments spans several roles, including Relationship Manager from 2023 to 2025 and Financial Representative from 2021 to 2023. Throughout her career, she has emphasized building clarity and trust to help clients feel confident in their financial futures. Outside of her professional work, McKenzie enjoys a variety of personal interests such as spending time at the beach, cooking and baking, participating in family activities, listening to music, caring for pets, and playing softball.

James Cirocco is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has held positions at Lincoln Investment and Legend Advisory Corporation. 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 financial planning, model portfolios, third-party asset management, retirement advice, and institutional platforms, with advice delivered primarily through investment adviser representatives using a range of customizable strategies.

Michael Fishweicher is a Financial Advisor at Merrill Lynch Wealth Management, a Bank of America company. He works directly with clients to develop personalized wealth management strategies tailored to their financial goals. Michael utilizes the global investing resources of Merrill along with the credit, lending, and banking services of Bank of America to support his clients. His areas of focus include family wealth management strategies, personal retirement planning, portfolio management, small business strategies, special needs planning, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Michael earned a bachelor's degree from Touro College. He is involved in his community through the Fair Lawn Fire Company 1 and the Fair Lawn Heavy Rescue Squad. In his personal time, he enjoys activities such as baseball, basketball, boating, chess, football, genealogy, ice hockey, photography, softball, and spending time with his family.

David Tepper is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2014, following a two-year tenure at Wells Fargo Clearing. 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, including financial planning and access to third-party asset managers, with a focus on model portfolios, customized strategies, and institutional platforms.

Daniel Saalman is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he holds board positions with the MET CLUB FOUNDATION, Hospitality Financial & Technology Professionals, and serves as Treasurer for the Food and Beverage Association of America. Ameriprise provides retirement-income planning services targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Indya Kellman is a financial advisor with LPL Financial in River Edge, NJ, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior roles include positions at Raymond James Financial Services Advisors, Inc., Lakeland Financial Services, and M&T Securities Inc. Outside of her advisory work, she is a business owner of Portraits N Play LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services, employing a variety of advisory strategies supported by technology and managing over $819 billion in discretionary assets.

James Farrell is a financial advisor with Ameriprise based in Ringwood, NJ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior experience includes roles at Edward Jones and Axa Advisors LLC before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in net investable assets, delivering annual, non-discretionary written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning, with an emphasis on assets held in Ameriprise-managed accounts.

David Gallaway is a financial advisor with Cetera, holding the CFP® designation and a decade of industry experience. He has worked with several firms, including Cetera ADVISORS LLC and First Allied Advisory Services. Outside of advisory work, he owns and operates David M. Gallaway Tax Service, providing non-CPA accounting and tax preparation services, and also works as an independent contractor in mortgage and banking through Mortgage Network Solutions. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple third-party managers through a multi-manager platform with discretionary and non-discretionary options.

Richard Mulligan is a financial advisor with Cetera, holding a Series 63 designation and 22 years of industry experience. His work history includes multiple roles within the Cetera family of firms since 2019 and prior experience at Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Lance Druckenmiller is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1992 and joined Merrill in 2007. Lance specializes in planning and portfolio management strategies designed to help individuals, families, and small business owners achieve their long-term financial goals through disciplined and diversified investment approaches. His expertise includes education planning, family wealth management, retirement planning, philanthropic planning, socially responsible and ESG investing, special needs planning, and small business strategies. Lance’s investment planning process begins with a thorough understanding of clients’ financial needs, goals, risk tolerance, and time horizons, followed by tailored asset allocation and ongoing portfolio management with regular client consultations. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, is a Certified Financial Planner® (CFP), and a Personal Investment Advisor (PIA). Lance earned a Bachelor of Science in Business Administration from Fairleigh Dickinson University in 1984. He resides in Montville, New Jersey, with his wife and two children. He is an active member of the Knights of Columbus and the Montville Kiwanis Club. Outside of work, Lance enjoys biking, boating, cooking, dancing, gardening, hiking, horseback riding, reading, scuba diving, and skiing.

Michael Farrell is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Mass Mutual Investors Services in 2017, he worked at MetLife Securities, Inc. for 36 years. He is also an independent insurance agent selling life, annuities, disability income, and related products. Mass Mutual 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 comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved tools and structured planning processes.

Todd Desfosses is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 24 years of experience specializing in family multi-generational wealth management and planning, small business funding and benefit planning, as well as retirement income and preservation planning. Todd’s approach centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals. His expertise extends to divorce transition planning, family wealth management strategies, legacy and philanthropic planning, portfolio management, socially responsible and values-based investing, and services for endowments, foundations, and non-profits. Todd holds multiple professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Todd earned bachelor’s degrees from Fairleigh Dickinson University and Siena College. He values community involvement and volunteers with local organizations. Outside of his professional commitments, Todd enjoys biking, music, skiing, and tennis.

Katiana Carter is a Financial Advisor with Merrill Lynch Wealth Management. She works with professionals, executives, and business owners to develop personalized financial strategies focused on wealth accumulation, retirement planning, investment management, and long-term goals. Katiana emphasizes creating clarity and confidence, aligning financial plans with what matters most to each client. She holds a Bachelor's Degree from Howard University and professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Katiana is a member of the Bank of America LGBTQ+ Employee Network and the Merrill Black Professional Group. Outside of her professional role, Katiana participates in the Greater Newark LifeCamp community initiative. Her personal interests include basketball, camping, gardening, music, painting, softball, watching movies, and yoga.

James Mangam Jr. is a financial advisor with LPL Financial, holding CFP® and Series 63 designations and bringing 52 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 41 years and has maintained his own business, the Mangam Agency, for over four decades. Outside of advising, he is also involved as an artist and musician. 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 wide range of financial planning and investment management services supported by technology and a broad platform of advisory and non-advisory products.

John Caiafa is a financial advisor with MassMutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining MassMutual in 2019, he worked at Edward Jones and has been a partner in All American Pool Service since 2019. He also holds a passive ownership interest in Congruent Machine Shop. 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 using firm-approved analytical tools to develop goal-focused strategies.