Joseph De Marzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2006, beginning his career in the Operations area where he developed an understanding of Merrill's resources. He later transitioned to a Financial Advisor role, focusing on serving families, individuals, and business owners by simplifying the complexities of their financial lives. Joseph partners with a team of Merrill specialists to provide strategies in areas such as long-term financial planning, trust and estate services, insurance solutions, retirement planning, and wealth management banking, mortgage, and credit services through Bank of America. Joseph holds a Bachelor of Science degree from Fairfield University earned in 2005 and a Master of Business Administration from Seton Hall University completed in 2010. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in Madison, New Jersey, Joseph is a fourth-generation resident. He volunteers as an Auxiliary Officer for the Madison Police Department and serves as the head coach of the Madison Junior Football varsity team. He is also a fan of New York Giants football.

Antonia Arena is a financial advisor with Merrill Lynch Wealth Management, serving clients primarily in the Morristown and Short Hills area. Since beginning her career in the industry in January 2020, Antonia has developed expertise in investment management, retirement planning, and estate planning. She supports individuals, families, and business owners in achieving their financial goals through personalized strategies that incorporate their unique perspectives and priorities. Antonia is also a member of Merrill’s Christian Advisor Group, where she integrates ethical and faith-based principles into her advisory practice. Antonia holds a bachelor's degree in finance from Ramapo College, where she was actively involved in the Ramapo Investment Club and serves on the Ramapo Alumni Business Board. She has earned several professional designations, including Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to her financial advisory role, Antonia operates a high-end clothing resale business on Poshmark. Raised in Holmdel, New Jersey, she contributes to the community through involvement with the organization Hope For Children. Outside of her professional work, Antonia enjoys a range of activities including bowling, cooking, football, hiking, music, painting, running, soccer, spending time with family, and yoga. Her approach to financial advising emphasizes transparency and simplicity, aiming to make wealth planning an accessible and engaging process for her clients.

Tammy Kerner is a financial advisor with Mass Mutual Investors Services in Paramus, NJ. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Prior to her current role, she worked at Metlife Securities Inc. from 2015 to 2017. In addition to her advisory work, she is also licensed as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals and deliver written recommendations.

Michael Gammarati is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses firm-approved tools and models to support financial planning without providing individual security recommendations in standalone plans.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been employed since 1997. She works with families, individual investors, and business owners to design and implement financial strategies aimed at achieving their specific goals. Jennifer collaborates closely with her clients and their other professional advisors, such as attorneys and CPAs, to develop comprehensive, goals-based financial plans. Her approach includes investments, asset allocation, education funding, home purchases, retirement planning, estate planning services, and philanthropy. Jennifer holds several professional designations, including the Chartered Retirement Planning Counselor (CRPC), Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her High School Diploma from Pompton Lakes High School. She is actively involved in professional organizations such as the Paterson Rotary Club No. 70 and the Pompton Lakes Chamber of Commerce and serves as an elected Councilwoman for Pompton Lakes Municipal Borough. Residing in her hometown of Pompton Lakes, New Jersey, Jennifer is a mother of two children, Paige and John Michael. She participates in community initiatives including Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, Pompton Lakes Woman's Club, and Soroptimist International - Passaic Valley Chapter. Her personal interests include competitive skeet shooting, cooking, traveling, water sports, and spending summers on Greenwood Lake.

Michael Munk is a Senior Financial Advisor at Merrill Lynch Wealth Management. He emphasizes developing portfolios that align with clients' goals and risk tolerance, utilizing a philosophy rooted in asset allocation to build diversified portfolios aimed at generating returns over time. His approach involves a comprehensive wealth management process that begins with understanding clients' financial situations, risk tolerance, and financial goals, both short and long term. Michael's expertise includes legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. His team delivers personalized service and customized financial strategies in areas such as wealth preservation and growth, income generation, cash flow consistency, advanced portfolio design, retirement planning, insurance planning, financial planning, wealth transfer, and philanthropic endeavors. His experience spans many financial situations and market cycles, allowing him to provide advice grounded in knowledge that aims to withstand market volatility. He holds a Bachelor's Degree from Excelsior College and holds professional designations including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Michael also participates in community volunteering, following the tradition of Merrill's involvement in the communities it serves.

Stephen Bernstein is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Robb Hageman is a financial advisor at Mass Mutual Investors Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2019, following prior roles at MassMutual Life Insurance and Ameriprise Financial Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved analytical tools.

Megan Pagliaro is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2022, with prior experience at Hughes Klaiber LLC and periods focused on homemaking. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Amrik Singh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers services on a non-discretionary basis and combines large institutional advisory operations with multiple regulatory registrations.

Nuno Pereira is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Planmember Securities Corporation. Pereira is also president of Pereira Wealth Management, where he serves as a wealth manager. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning solutions, with access to both affiliated and third-party managers and multiple program structures.

Lucas Sailer is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2023. Outside of his advisory role, he is employed by BIG Messages, an answering service for doctors in northern New Jersey, where he manages communication between hospitals, patients, and physicians. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Sparacino is a Financial Consultant currently with Fidelity Investments, a position he has held since 2025. Prior to this role, he gained experience at Fidelity Investments as a Planning Consultant from 2023 to 2025 and as an Investment Consultant in 2023. His financial services career also includes roles at E*TRADE from Morgan Stanley, where he served as a Financial Consultant from 2021 to 2023 and as an Associate Financial Consultant from 2019 to 2021, as well as experience as an Account Manager at LL Business Management from 2018 to 2019. Throughout his career, Joseph has focused on developing tailored financial strategies that align with the individual priorities of his clients. He collaborates closely with his team and utilizes the resources of his firm to provide clear guidance and insight. Outside of his professional work, he enjoys activities such as golfing, hiking, cooking, and spending time at Lu Nello in Cedar Grove, reflecting personal interests that include beach activities, cooking and baking, fitness, golf, hiking, and traveling.

John Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management in Wayne, New Jersey. He joined Merrill Lynch in 2015 and focuses on delivering customized services in areas such as portfolio management, trust, estate, and retirement planning. John provides his clients access to banking, credit, and lending solutions through Bank of America, assisting in building, preserving, and transferring accumulated wealth. He has held leadership roles within Merrill, including membership in the Advisor Growth Network and overseeing the growth of the Wayne office into a Complex office. Before joining Merrill Lynch, John spent 14 years at Bear Stearns & Co., where he was a leading producer in the firm's International Equities Division and became one of the youngest Senior Managing Directors in the firm's history at age 30. He also worked over six years at Weeden and Co. in Greenwich, Connecticut, as a Senior Equity Sector Strategist, and held senior positions including Senior Portfolio Manager, Chief Operating Officer, and Chief Risk Officer. John holds a Bachelor of Business Administration in Finance from Loyola University in Maryland and completed the CPWA® Program at the Yale School of Management in 2025. He holds several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He maintains multiple FINRA Series registrations including Series 7, 9, 10, 24, and 66. Outside of his professional life, John runs the Loyola Lacrosse Mentorship Program and is a 3rd Dan Black Belt in Taekwondo. He serves on the President's Council at St. Thomas Aquinas College in Sparkill, NY.

Kyle Reinson is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2023, initially serving as an Investment Consultant before his current role. Prior to joining Fidelity Investments, Kyle worked at Merrill Lynch as an Assistant Vice President and Financial Solutions Advisor from 2019 to 2023. In these roles, he has focused on creating personalized financial plans and providing guidance to clients throughout their financial planning process. Kyle is committed to collaborating with clients to develop financial strategies that align with their individual goals and to supporting them in navigating their financial journeys.

Robert Gatyas is a financial advisor at Wells Fargo Advisors with 39 years of industry experience. He has held roles at Wells Fargo Clearing Services LLC, JP Morgan Chase Bank, and Bank of America. He holds Series 63 and Series 66 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and sports & entertainment planning.

Robert Shamis is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently with Morgan Stanley in Paramus, NJ, where he has worked since 2017, including a role at Morgan Stanley Private Bank, N.A. from 2021. His prior experience includes positions at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process that incorporates risk and outcome modeling.

George Barnes is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 33 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and its affiliate Pruco Securities, LLC for over three decades. He serves as a nonprofit board member for the Yana Foundation and is an assistant basketball coach in Montville, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products within an integrated platform.

Robert Johnston is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in developing strategies for high-net-worth individuals, their families, and businesses. He joined Merrill Lynch Wealth Management in 2010 and has been in the financial services industry since 2008. His approach to wealth management is consultative and objective, focusing on personalized asset allocation and comprehensive financial planning, including investments, retirement, estate planning, and philanthropy. Mr. Johnston is a 1985 graduate of Rutgers University with a Bachelor of Science in Accounting. He holds the CERTIFIED FINANCIAL PLANNER™ professional designation, the Certified Public Accountant license from New York state (not actively practicing in his advisory role), as well as certifications as a Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. In addition to his professional work, Robert Johnston is involved in community service, having served as past President of the Oradell/Emerson Rotary Club and as a board member for West Bergen Mental Healthcare and the Volunteer Center of Bergen County. He also coaches youth sports teams. He resides in Emerson with his wife Michele and their two daughters.

Craig Cutler is a financial advisor at LPL Financial with 26 years of industry experience. He has been with LPL Financial since 2003 and holds Series 63 and Series 66 credentials. Outside of his advisory role, he participates in competitive disc golf tournaments through the Professional Disc Golf Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of advisers.