Ivana Lotoshynski is a CFP® certificant with 25 years of experience in the financial services industry. She is currently affiliated with LPL Financial and previously worked at NEXT Financial Group and Investment Professionals, Inc. outside of her advisory role, she is involved with People Wealth Matters, a business activity related to her LPL practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, including access to third-party subadvisors and customized strategies.

Austin Carruthers is a financial advisor with Equitable Advisors in Secaucus, NJ. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to joining Equitable Advisors in 2023, he worked at Homeer and attended Texas Tech University. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and referrals to third-party managers.

Gregory Guss is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2020, initially serving as a Financial Consultant before advancing to his current role. Prior to joining Fidelity, Gregory was a Senior Financial Planner at The Ayco Company from 2012 to 2019. His professional experience spans over a decade in financial planning and wealth management, focusing on developing tailored financial plans that address clients' unique situations and goals. Gregory is committed to partnering with clients to work toward their immediate and long-term financial objectives. Outside of his professional work, Gregory has interests in art, outdoor adventures, puzzles, and running.

Michael Witsberger is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Equitable Advisors in 2021, he worked in various Broadway productions for six years. Outside of his advisory role, he provides professional musician services on a limited basis. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Matthew Dellamura is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has previously worked at Le Chateau, M&T Bank, Instacart, and Villa Barone. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with formal advisory roles to multiple registered investment companies.

Don Goldstein is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry. He specializes in working with high net worth individuals and small business owners, focusing on developing diverse and disciplined long-term investment strategies. Don’s approach centers on identifying clients’ financial goals and creating personalized plans to help them pursue those objectives over time. Throughout his career, Don has concentrated on areas such as college education planning, family wealth management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from Fairleigh Dickinson University and the Professional Investment Advisor (PIA) designation. In addition to his professional work, Don dedicates time to community involvement, reflecting the Merrill tradition of local service. His personal interests include boating, golfing, skiing, and traveling. He emphasizes working closely with clients one-on-one to tailor financial strategies that align with their long-term goals.

Dara Hubbard is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and worked previously at Morgan Stanley for five years before joining Merrill in 2017. Outside of her advisory role, she works as a receptionist at Ramsey Veterinary Hospital. 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.

Justin Carlson is a financial advisor at Equitable Advisors with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors and its predecessor, AxA Advisors, since 2011. Equitable Advisors serves individual clients ranging from non‑high-net-worth to high-net-worth, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of investment adviser representatives, utilizing third-party asset managers and advisory programs alongside its own offerings.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Equitable Advisors for 15 years before joining Cambridge in 2013. Outside of his advisory role, Mallick serves as a board member director for a medical device distribution company based in India and operates an independent insurance agency. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multi-billion-dollar asset base across multiple platforms and custodians.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Antoine Ojeil is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2024, he worked for Citi Private Alternatives, LLC and Citigroup Global Markets from 2014 to 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Shanta Ajodha is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016 and Bank of America, N.A. since 2017. In addition to her advisory roles, she has been involved with Berkeley College since 2010. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Kenneth Dipaola is a CFP® professional with 45 years of industry experience, currently serving as an advisor at LPL Financial since 1999. He operates from Hackensack, NJ, and has involvement with The Senior Group, an S-Corp focused on accounting and payroll services. 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 institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Maikel Cotrina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at Citigroup Global Markets, Cetera, and Santander Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary program with centralized due diligence and a forward-looking investment approach.

Natalie Vigunas serves as Vice President and Branch Leader at Fidelity, a role she has held since 2023. In this capacity, she is responsible for maintaining Fidelity's standard of care to ensure clients have exceptional financial planning experiences. She leads a team focused on developing client relationships by understanding their personal and financial situations to simplify complex financial planning concepts for better client comprehension and implementation. Natalie has been with Fidelity since 2006, progressing through various roles including Regional Planning Consultant from 2014 to 2023, Vice President and Financial Consultant from 2011 to 2014, Financial Consultant from 2009 to 2011, Investment Consultant from 2008 to 2009, and Financial Representative from 2006 to 2008.

Brendan Mc Cauley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been working in the financial services industry for the past eight years, focusing on helping clients navigate the complexities of financial planning with strategies tailored to their unique priorities. His approach involves building personal connections and providing clients with clarity and transparency throughout their wealth management journey. Brendan's areas of expertise include Divorce Transition Planning, Executive and Equity Compensation Services, Family Wealth Management Strategies, Managing New Wealth, Personal Retirement Planning, Portfolio Management, Women and Wealth, Sports & Entertainment, and Tax Minimization. He works as part of a team with over 70 years of combined experience dedicated to helping clients pursue their financial goals and improve their overall quality of life. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Brendan received his high school diploma from Saint Peter's Preparatory and earned a bachelor's degree from the Pennsylvania State University System. He is involved in professional organizations such as Pi Kappa Alpha and the Penn State Alumni Association - Northern New Jersey, and participates in community activities like Penn State THON™. Outside of work, Brendan enjoys football, reading, spending time with his family, traveling, and watching movies.

Jeffrey Miller is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at American Portfolios Financial Services, Inc. and OSAIC. Outside of advisory work, he is a notary for the State of New Jersey and is involved in insurance sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Kerry Carlo is a financial advisor at Merrill with 15 years of industry experience and holds a Series 66 designation. He has been with Merrill since 1996. 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, and institutional investors.

Christopher Conroy is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 2004 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in film production, specifically a Netflix movie project titled "Little Brother." UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans using proprietary research and model-based asset allocations.

Jeremy Rudd is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America since 2014, with prior experience at Wells Fargo Clearing. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.