John Garretson is a CFP® with 42 years of industry experience, currently serving as a financial advisor at LPL Financial. He previously worked at Ic Advisory Services, Inc. and The Investment Center. Outside of his advisory role, he owns a business focused on college financial aid. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to model portfolio programs, third-party asset management, and institutional platforms, supporting its network of over 22,800 advisors.

Mark Van Ness is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing investment strategies for high net worth individuals and business owners, providing goals-based wealth management alongside a team of specialists. Mark's work includes managing portfolios that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Mark has been in the financial services industry since 1999 and joined Merrill Lynch Wealth Management in 2012. He holds the designation of Personal Investment Advisor (PIA) and earned an Associate's Degree from Devry University. His client focus areas include education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. Residing in Westfield, NJ, Mark lives with his wife, Roseann, and their two daughters, Gabriella and Sabrina. Outside of his professional work, he enjoys baseball, boating, fishing, football, traveling, sport fishing, and Italian food.

Jordan Toma is a financial advisor with LPL Enterprise holding a Series 65 designation and 13 years of industry experience. He has worked at The Prudential Insurance Company of America since 2013 and was with Pruco Securities, LLC from 2013 to 2024 before joining LPL Enterprise. Outside of his advisory work, Jordan provides speaking engagements and workshops to schools and organizations through a separate business, I’m Just A Kid With An IEP LLC. LPL Enterprise, LLC offers investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and corporate and charitable entities. The firm employs model-driven investment implementation and provides access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Nikolas Keszthelyi is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work history includes positions at Joyce Honda and Zumiez Inc. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Gary Nesta is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the CFP® and ChFC® designations as well as a Series 66 license. Prior to joining Mass Mutual Investors Services in 2020, he worked in various roles including positions at Retro Fitness and Ramapo College of New Jersey. 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, utilizing firm-approved software tools to deliver written recommendations as part of annual, collaborative planning engagements.

Debra Bruno is a financial advisor with LPL Financial, holding the Series 63 designation and bringing 37 years of industry experience. She previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. Additionally, she is involved in insurance sales on a non-variable basis. 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 a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technological tools for research and operations.

Daniel Rispoli is a financial advisor at Wells Fargo Advisors with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Wells Fargo in various capacities since 2016. Outside of his advisory role, he operates an online business buying and selling game and sports trading cards. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk management, and specialized areas such as business-owner transition and special-needs planning. Advisors use firm research and tools to develop tailored recommendations delivered through meetings and client summary letters.

Roger Mahfouz is a financial advisor with J.P. Morgan Securities in Scotch Plains, NJ, holding Series 63 and Series 66 designations and possessing 11 years of industry experience. His prior roles include positions at Bank of America, Merrill, Citi Private Advisory, and iA Financial Group. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Donald Martine is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014 and Bank of America since 2015. Outside of his advisory role, he is involved in trade work for Peppler Funeral Home. 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 individual and institutional clients.

James Ogrady is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2013. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michelle Holahan is a financial advisor with RBC Capital Markets in Princeton, NJ, holding Series 63 and Series 65 registrations and bringing 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Zachary Fransckiewich is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, he held various roles in the hospitality and education sectors, including positions at Hotel LBI, East Bay Italian Grille, and Barnegat High School. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm typically employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Mark Livingston is a Senior Financial Advisor with 43 years of experience managing assets for wealthy individuals and non-profit organizations. He works to thoroughly understand his clients' financial needs and aligns resources to help them meet or exceed their goals. Mark assists clients in evaluating near-term concerns, planning for long-term objectives, and developing personalized financial strategies. His client focus includes family wealth management, services for endowments, foundations, non-profits, liquidity management, personal retirement planning, philanthropic planning, portfolio management, small business strategies, and socially responsible investing. Mark holds the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree from Rutgers University and completed a certificate program at Paul Smith's College. Mark is involved in community activities, including mentoring the Morristown High School Investment Club and serving as Warden at St. Peter's Episcopal Church in Essex Fells, New Jersey. He has coached the Denville Blue Knights hockey team, served as chair of the construction committee at the Convent of St. John Baptist in Mendham, New Jersey, and is a member of the Park Avenue Club.

James Austin is a financial advisor with Primerica Advisors in Colonia, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1989. Outside of his advisory work, he serves as the executor of his mother's estate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee portfolio management.

Matthew Filik is a CFP® professional with 16 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at IC Advisory Services Inc, The Investment Center Inc, and Invest Financial Corporation. Outside of his advisory work, he serves on the board of The Community Food Bank of New Jersey and is a licensed notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with various tools and a broad service network.

Reuel Field is a financial advisor with Primerica Advisors in Bloomfield, NJ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2014 and previously worked at AeroTek. Outside of his advisory role, he is involved in the sale of home security and automation products through affiliated companies and operates Reuel Field & Associates, LLC for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional or pension plans.

Richard Friaglia is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2013 and previously held roles at Securian Financial Services, New England Securities, and Hornor, Townsend & Kent. He serves as a board member for the nonprofit Hudson Community Enterprises. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, goal-based planning utilizing advanced software tools and features specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

Gerard Luciano is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at A. G. Edwards & Sons, Inc. from 2005 to 2008. 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 sources.

Gail Abrams is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Her prior roles include positions at Ic Advisory Services Inc, The Investment Center Inc, LPL Financial, and National Planning Corporation. She also owns a legal services practice through The Law Office of Gail L. Abrams. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals, providing access to multiple platforms, third-party advisers, and proprietary model strategies.

Cinzia Laurenza is a financial advisor at Edward Jones with 17 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2017, following a one-year tenure at Professional Passport. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.