Walter Golczewski is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Cetera since 2016 and also operates a tax consulting and accounting business in Wayne, NJ. Additionally, he serves as a treasurer for a local homeowners association and works as a Certified Divorce Financial Analyst assisting couples with financial aspects of divorce. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial relationships.

Douglas Fischer is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience, previously working at UBS Financial Services Inc. and US Bank. Before entering the financial industry, Fischer worked in education at Rutgers University and Morris Knolls. 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 strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Danielle Furze is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, Furze serves on the finance committee of the Girl Scouts of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Ernesto Marques is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of advising, he is the owner of ARA Marketplace LLC, an e-commerce retail business. 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.

Susan McGeachen is a financial advisor at Ameriprise with 30 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc. from 2006 to 2017. Outside of her advisory role, she has real estate ownership interests in a multi-family property in Rutherford, NJ. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers non-discretionary recommendations through a centralized consulting team.

Melanie Harada is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ, holding Series 63 and Series 66 credentials and with 23 years of industry experience. She has been with MML Investors Services, Inc. and MassMutual Life Insurance Company since 2007. Outside of her advisory role, she serves as a trustee for the Hillsdale Free Public Library, advising on charitable donation use and helping raise awareness of the library’s offerings. MML Investors Services, LLC 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 programs, providing ongoing, collaborative planning engagements typically recommending investment strategies rather than specific products.

Lisa Szalankiewicz is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has been with Cetera and Cetera Investment Services LLC since 2015. Outside of her advisory role, she has acted in plays, commercials, and TV under the names Lisa Szalankiewicz and Lisa Szalan, and serves as power of attorney and co-executor of her aunt’s will. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and consulting services with multiple program structures, including discretionary and non-discretionary options, and manages over $256 billion in assets.

Anthony Browne is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has worked at Merrill since 1998 and Bank of America since 2009. Outside of advising, he is an investor and general partner in a restaurant business. Merrill, together 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.

Greg Bauer is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his advisory role, he serves as a co-trustee for multiple 401(k) plans associated with Client Centric Advisors. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu including retirement, education, wealth-transfer, and specialized services such as business-owner transition and sports & entertainment planning.

Louis Zaccaro is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. Prior to joining Osaic in 2024, he worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he owns and operates Zaccaro Wealth Management and Zaccaro Tax Planning, providing insurance products and tax preparation services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services using advanced asset-allocation tools, multiple investment platforms, and access to third-party managers to support both discretionary and non-discretionary portfolio management.

George Zaki is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he focuses on connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. He has expertise in areas including institutional and corporate benefit services, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. George utilizes Merrill's investment insights alongside Bank of America's banking and lending capabilities to create comprehensive and flexible wealth management strategies. George holds a Bachelor's Degree from Ain Shams and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys basketball, biking, fishing, music, photography, reading, running, soccer, spending time with family, and swimming.

Clinton Omenyi is a Planning Consultant currently working at Fidelity Investments since 2024. In his role, he collaborates with clients to organize their financial matters and develop personalized financial plans tailored to their specific needs and long-term objectives. Prior to this position, he served as a Financial Solutions Advisor at Merrill from 2022 to 2024. He holds a California Insurance License. Outside of his professional career, Clinton has interests in bowling, fitness, outdoor adventures, soccer, table tennis, and traveling.

Robert Marrone is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. His career includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank. Outside his advisory work, he serves as Vice President of the Marlboro Dance Team Booster Club, assisting with fundraising and parent communications. 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 both model-based and discretionary investment strategies for a wide range of clients including individuals, pension plans, corporations, and charitable organizations.

Luciano Dela Cruz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Wells Fargo Advisors since 2011, including time at Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, utilizing proprietary research and planning tools to develop tailored client recommendations.

Eric Ramm is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. Prior to joining Charles Schwab in 2022, he spent 11 years at TD Ameritrade in various roles. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Brian O'Connor is a financial advisor at Morgan Stanley with 35 years of industry experience. He has worked at Morgan Stanley and its affiliated private bank since 2017, and has prior experience with Bank of America and Merrill. O'Connor holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Edward Book Jr. is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to his advisory role, he worked at L’Oréal USA and Mondelez, and he serves in the Air Force. He is involved in the sale of investment and loan products through affiliated companies and participates in non-investment referrals related to home security and automation. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by third parties and supports client accounts through BNY Mellon Advisors and Pershing custody services.

Stephen Orenchuk is a financial advisor with Ameriprise in Mahwah, NJ, holding a Series 63 designation and over 31 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. He serves on the Board of Directors for the Meadowlands Regional Chamber of Commerce and is a Regent at Felician University. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement income advice through a centralized consulting team.

Kevin Foord is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct individual plans and Corporate Financial Planning agreements.

Paul Gabbianelli is a financial advisor at LPL Financial with over thirty-two years of industry experience. He previously worked at Cetera and operated Paul Gabbianelli & Associates for more than four decades. He also provides tax preparation and accounting services through his CPA practice and is involved in mortgage services. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.