Hetal Gandhi is a financial advisor with LPL Financial in Morristown, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. Prior to joining LPL Financial in 2023, Gandhi has worked at several firms including Citizens Securities, Cetera Investment Services, Wells Fargo Clearing, and Investors Bank. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Thomas Watkins is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 32 years of industry experience. His career includes roles at Thompson and Thompson Consulting, Jack Schroeder and Associates, and long-standing involvement with Cetera Financial Specialists LLC and Eagle Financial. Outside of advising, he owns a tax and accounting business and serves as president of the Totowa Public Library board. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporations, and charitable organizations. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform that supports both discretionary and non-discretionary accounts.

Michael Venturi is a financial advisor at Merrill with 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1994. He holds a Series 66 designation and is based in Florham Park, New Jersey. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yvette Lamchek Emnas is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mary Perrone is a financial advisor at Morgan Stanley with 34 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is involved with Wired Delivery, an online retail business, and works as an independent travel advisor with Dream Vacations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process that incorporates various modeling tools and advisory services.

Douglas Bilenski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients’ long-term goals. His client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Douglas holds a Bachelor’s Degree from Montclair State University. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on a strong personal philosophy rooted in hard work and character, he is committed to guiding clients through all market cycles and phases of their financial life. Outside of his professional work, Douglas volunteers with organizations in his community. He enjoys golfing, ice hockey, and traveling, particularly exploring national parks out west. He is a husband and father with a strong connection to family values and responsibility.

Eric Brubaker is a CFP® professional affiliated with Edward Jones, where he has worked since 2019. He has six years of industry experience and has held roles outside finance including positions at Ramapo Country Day Camp and involvement with political campaigns. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Brendan Cahill is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2021. He has been with Fidelity since 2014, previously serving as a Financial Consultant and Investment Consultant within the company. Prior to joining Fidelity, he worked as a Financial Advisor at Ameriprise Financial from 2005 to 2014. With nearly two decades of experience in the financial industry, Brendan specializes in helping clients make informed decisions and stay on track toward their financial goals. He holds the CERTIFIED FINANCIAL PLANNER™ designation and focuses on market trends and planning strategies to provide personalized advice. Outside of his professional work, Brendan's personal interests include golf, military service, parenthood, reading, and snowboarding.

Zak Bissell is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments in various roles since 2015, including Investment Consultant from 2021 to 2024, High Net Worth Service Associate from 2016 to 2021, and Customer Relationship Advocate from 2015 to 2016. As a Certified Financial Planner™, he emphasizes creating sensible plans through meaningful conversations and thoughtful planning to help clients grow, preserve, and live off their wealth. Zak's professional experience spans multiple facets of financial consulting and investment services, reflecting a comprehensive understanding of client needs and financial strategies. Outside of his professional work, he enjoys cooking and baking, exploring culinary experiences as a foodie, and participates in sports such as golf, running, and soccer.

Carlton Johnson is a financial advisor with LPL Financial in Chatham, NJ, holding a Series 63 designation and 31 years of industry experience. He has been with LPL Financial since 2004 and previously worked at WS Griffith Securities, Inc. from 2002 to 2004. In addition to his advisory work, he is commissioned as a notary and engaged in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, providing a variety of financial planning, asset management, and retirement advisory solutions.

Daniel Walsh is a CFP® certified financial advisor with 10 years of industry experience. He currently works at J.P. Morgan Securities and J.P. Morgan Chase Bank, having previously spent eight years at Goldman Sachs & Co. He serves as a board member on the Congregational Financial Advisory Committee for the Sisters of Charity-Halifax, a nonprofit organization based in Canada. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. 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 provides ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.

Brian Marzulli is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at City National Bank and RBC Capital Markets since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile.

Christina Woo is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, with prior experience at Citigroup Global Markets from 2000 to 2009. Outside of her advisor role, she is involved with a private company, Woo Enterprise LLC, which operates in real estate. 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 and financial planning services, employing structured planning tools and investment modeling techniques to support client strategies.

John Barbary is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 36 years of industry experience. He previously worked at Pruco Securities, LLC for 34 years before joining LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment implementation is primarily model-driven, with services that include financial planning, access to third-party asset managers, and participation in a wrap program.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Adam Jackson is a financial advisor with UBS Financial Services in South Orange, NJ, holding Series 63 and Series 66 licenses and having 19 years of industry experience. He has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Daniel Dawson is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Allstate Insurance Co for nine years. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and use of advanced methodologies including AI in portfolio management.

Lisa Mcentee is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2014 and Wells Fargo Advisors since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Adrian Ukaj is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at ThorLabs and held various other positions. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, using both proprietary and third-party investment solutions.