Joseph Palermo is a financial advisor at RBC Capital Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 10 years before joining RBC in 2020. He is a member of the Board of Directors for a townhouse community association in Hawthorne, NJ. RBC Wealth Management serves a wide range of clients including individual investors, institutions, and charitable organizations, offering tailored investment strategies through multiple advisory programs and a combination of in-house and third-party portfolio management.

Mark Minutolo is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill for over 27 years, including a break from 2017 to 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jennifer Jimenez is a financial advisor with Merrill in Wayne, NJ, holding a Series 66 designation and three years of industry experience. She has been with Merrill Lynch and Bank of America since 2010. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Meghan Dakan is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials, with 23 years of industry experience. She worked at UBS for seven years before joining LPL Financial in 2021. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, with both discretionary and non-discretionary management supported by research and model portfolios.

Bashar Hakim is a financial advisor with LPL Enterprise in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Prior to joining LPL Enterprise in 2024, he spent nearly three decades with Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in Medicare insurance sales through Medicare Advisor Hub LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm combines advisory programs with brokerage and insurance product sales through an integrated platform.

Christopher Stewart is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he focuses on helping clients achieve their financial goals using the resources of one of the nation's largest wealth management firms. Stewart emphasizes consistent communication and dedicated service to develop meaningful relationships and serve as a trusted resource for his clients. Before joining Merrill Lynch, Stewart spent a decade as an attorney representing large corporations, insurance companies, and various business enterprises. Although he does not provide legal advice in his capacity as a financial advisor, he applies the discretion and attention to detail gained during his legal career to his financial advisory work. His areas of expertise include college education planning, employee benefits planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and portfolio management services. Stewart holds a Bachelor's Degree and a Juris Doctorate Degree from Rutgers University and Rutgers Law School, respectively. He attended on a full athletic scholarship as part of the Men's Division 1 Soccer Program and remains involved with Rutgers Men's Soccer as an alumni mentor and Era Representative. He is a Chartered Financial Consultant (ChFC) and a Personal Investment Advisor (PIA). Residing in Norwood with his wife Julia and their daughter Charlotte, Stewart enjoys playing soccer, music, and traveling. He also chairs Rutgers Men's Soccer mentorship activities.

Carla Williams is a financial advisor with LPL Financial in Tarrytown, NY, holding Series 63 and Series 65 credentials and 20 years of industry experience. She has worked at LPL Financial since 2017 and has been affiliated with NationalPlanning Corporation and self-employed roles since 2014. Outside of her advisory work, she is involved in instructing at a Hampton Inn location. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by various model portfolios and research resources.

Sally McLeod is a Financial Advisor at Merrill Lynch Wealth Management who serves multigenerational families with tax efficient wealth management and risk control strategies. She specializes in areas such as college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, international wealth management, legacy planning, liquidity management, portfolio management services, women and wealth, and retirement income. Sally holds a Bachelor's Degree from the University of North Carolina, Kenan Flagler Business School, and a Master of Professional Studies in Wealth Management from Columbia University. She has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Throughout her career, Sally has developed extensive client-facing expertise in areas such as investment, lending, insurance, tax, and estate planning strategies. Her personal interests include dancing, gardening, horseback riding, music, skiing, swimming, tennis, and yoga. She is fluent in both Chinese and English.

Matthew Dennis is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has spent his entire career in the financial services industry since graduating from Lehigh University in 2003. Matthew began his career in the Investment Performance group at Cambridge Associates, focusing on pensions, endowments, foundations, and families. He subsequently worked in institutional asset management at Credit Suisse and Lyford Group International before joining Merrill Lynch in 2014, where he works directly with individuals and families. Matthew’s areas of expertise include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, tax minimization, and retirement income. His approach emphasizes goals-based wealth management, beginning with a comprehensive discovery meeting to discuss clients’ financial details, objectives, and goals. He collaborates with internal partners to develop and implement strategies centered on asset allocation, portfolio management, liability management, and tax minimization. Matthew holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Matthew lives in Ramsey, New Jersey, with his wife, their three children, and their dog. He is involved in his local community through the Ramsey Jr. Lacrosse Association and CYO Basketball. In his free time, Matthew enjoys spending time with his family, coaching youth sports, particularly lacrosse, and activities such as basketball, cooking, golfing, hiking, skiing, surfing, and traveling.

August Zenzius Jr. is a Senior Financial Advisor and senior partner at Aiello, Zenzius & Associates. He began his career in financial services in 1996 at Lehman Brothers, working in operations for derivative securities while pursuing his degree in Economics at Saint Peter's College in Jersey City, New Jersey. In 1998, he joined Merrill Lynch as an intern and became a Financial Advisor. August focuses on providing disciplined wealth management strategies for corporate executives, business owners, retirees, and families, addressing their financial needs, values, and objectives. With over two decades of experience, August brings expertise in equity compensation management, retirement income and cash flow planning, and wealth transfer services. He holds FINRA Series 7, 63, and 65 registrations and is a licensed life and health insurance and commercial mortgage representative. He has earned the Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA) designations. August resides in Allendale, New Jersey, with his family. He is actively engaged in community service, serving as President of the Board and co-head of the capital campaign for the Institute for Educational Achievement, a private nonprofit supporting individuals with autism. He also serves on the boards of the Allendale Holiday Observers, a nearly 110-year-old organization for community holiday events, and the Allendale Housing Authority, which provides housing for disabled and senior residents.

Nicholas Heckman is currently serving as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity for over 13 years, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he was a Financial Advisor at ING Financial Partners from 2010 to 2012. His professional focus includes wealth planning and collaborating with clients to develop comprehensive financial plans aimed at achieving their financial goals. Nicholas holds a California Insurance License, supporting his capabilities in financial and insurance services. Outside of his professional work, Nicholas enjoys boating, movies, snowboarding, and soccer.

Gregory Caragine is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 credential and has worked at PIMCO Investments LLC prior to joining J.P. Morgan in 2019. J.P. Morgan Securities 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.

James Kremen is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and over 21 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial planning and portfolio management.

Christopher Jordan is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and bringing 35 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation from 2000 to 2017 and has been involved with Lexco Wealth Management since 2005. He is also active as a non-variable insurance agent and operates his own registered investment advisory firm, Lexco Wealth Management, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, including discretionary and non-discretionary management, and provides access to model portfolios and research from LPL Research and third-party subadvisors.

Robert Viglione is a financial advisor at Morgan Stanley with four years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2026, he worked at UBS Financial Services from 2022 to 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its process.

David Jackman is a financial advisor at Thrivent Investment Management with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Thrivent since 2014. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and written recommendations on a broad range of planning topics, allowing clients to combine planning with managed accounts under a consolidated billing option called WealthPlan.

George Fosdick is a CFP® with 24 years of industry experience, currently affiliated with Morgan Stanley in Ramsey, NJ. He previously worked at UBS Financial Services from 2012 to 2024. Outside of his advisory role, he serves on an advisory board for a wholesale and distribution business in Green Brook, New Jersey. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes advanced modeling tools such as Monte Carlo simulations.

Eden Guzman is a financial advisor at Fidelity with seven years of industry experience. Prior to joining Fidelity in 2023, Eden worked at Charles Schwab and Co., Inc. and TdAmeritrade. He holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that integrate mutual funds, ETFs, and ETPs using systematic methodologies.

Claudine Isaac is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs. Outside of her advisory role, she is also an employee of JPMorgan Bank, enabling her to offer certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Patrick Pilla is a financial advisor with Mass Mutual Investors Services in Tarrytown, NY, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with Metlife Securities from 2014 to 2017. Outside of his advisory role, he serves as a trustee on the Eastchester Public Library board. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative annual financial planning engagements, utilizing firm-approved software tools, and offers specialized services including estate settlement and employer-sponsored planning programs.