New Jersey Resources (NYSE: NJR) is a Fortune 1000 company that, through its subsidiaries, provides safe and reliable natural gas and clean energy services, including transportation, distribution, asset management and home services. NJR is composed of five primary businesses: •New Jersey Natural Gas, NJR’s principal subsidiary, operates and maintains over 7,400 miles of natural gas transportation and distribution infrastructure to serve over half a million customers in New Jersey’s Monmouth, Ocean and parts of Morris, Middlesex and Burlington counties. •NJR Clean Energy Ventures invests in, owns and operates solar and onshore wind projects with a total capacity of more than 300 megawatts, providing residential and commercial customers with low-carbon solutions. •NJR Energy Services manages a diversified portfolio of natural gas transportation and storage assets and provides physical natural gas services and customized energy solutions to its customers across North America. •NJR Midstream serves customers from local distributors and producers to electric generators and wholesale marketers through its 50 percent equity ownership in the Steckman Ridge natural gas storage facility and its 20 percent equity interest in the PennEast Pipeline Project. •NJR Home Services provides service contracts as well as heating, central air conditioning, water heaters, standby generators and other indoor and outdoor comfort products to residential homes throughout New Jersey. NJR and its more than 1,000 employees are committed to helping customers save energy and money by promoting conservation and encouraging efficiency through Conserve to Preserve® and initiatives such as The SAVEGREEN Project® and The Sunlight Advantage®. Download our free NJR investor relations app for iPad, iPhone and Android. For NJR's social media community guidelines, please visit bit.ly/NJRSocial.

At Penn Capital, we believe that understanding a company’s entire capital structure is the best way to identify investment opportunities with the most value. In fact, we’ve found that managing bond portfolios makes us better equity managers; and vice versa. We select stocks or high yield debt securities with the greatest potential to provide the risk-adjusted returns our clients expect. Our fully integrated credit and equity research process focuses on non-investment grade companies in the micro- to mid-capitalization range, where we can take advantage of inefficient security pricing. We serve institutional and individual investors with strategies that reflect institutional-quality rigor and insight and stay true to our philosophy. We are an independent, employee-owned boutique investment management firm based in Philadelphia. We forge our own ideas, we respect hard work, and we are committed to our clients, our staff and our community.

GEORGE MCKELVEY CO., INC. is a company based out of 529 WASHINGTON BLVD, SEA GIRT, New Jersey, United States.

Neal Systems is a provider of instrumentation and automation to the process industrial world. We are a unique hybrid of manufacturer's representative and solution provider, with the ability to commission, calibrate, install, integrate, program, and service the equipment we provide. Our industries of focus are oil/gas, industrial gas, chemical / petrochemical, water / wastewater, food / beverage, pharm/biotech, heat treat, electric utility industries. Our areas of expertise include the following areas: - Industrial process measurements (temperature, pressure, flow, level, liquid analytical) - Hazardous area electrical protection (intrinsically safe, purging, and explosion proof) - Vibration monitoring and rotary machinery protection - Gas leak and flame detection for toxic, flammable, and asphyxiant gases - Control hardware (control valves, regulators, electric heat power controllers) - Controllers and control systems - Data acquisition and reporting - Industrial wireless, Ethernet networking, and cybersecurity - Industrial Displays, HMIs, and process interfaces - Storage Tank Safety Hardware and Level Measurements Founded in 1986, NSI headquarters is located in Newtown, PA, with sales throughout the US. We pride ourselves in top-notch technical expertise coupled with great customer service.

BRENDON PIERSON, INC., has been working with individuals and businesses for over 30 years. We are committed to being life-long partners with our clients in their quest to reach their financial goals. Each of our staff members has extensive personal and professional experience and hold various professional designations. Brendon Pierson is licensed to sell a variety of investment and insurance products. We are dedicated to developing lasting relationships with all our clients. We believe in helping you assess your financial goals and participate in the management of your finances. One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial products and services. The personalized program that we can provide is a roadmap toward a more secure financial future. While developing a customized financial program, we will walk you through a step-by-step process that will help you feel confident in your decisions. Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services. BRENDON PIERSON, INC., services include: •Investment management* •Educational planning •Retirement strategies* •Estate conservation •Tax planning •Insurance and annuity products+ •Financial statement preparation •Business Exit Strategies •Payroll, Timekeeping & Human Resource Management Securities offered through Avantax Investment Services℠, Member FINRA, SIPC (finra.org, sipc.org). Investment advisory services offered through Avantax Advisory Services℠. Insurance services offered through an Avantax affiliated insurance agency. Please visit www.Avantaxwealthmanagement.com/socia_policy/for more information.

Innovative Benefit Planning is an employee benefit planning and financial services company that combines innovation with integrity for companies across the United States. Our people and experience, coupled with sound financial services, have helped thousands of organizations and their employees achieve their employee benefit planning goals and more.

Masso - Torrence Wealth Management | 401K Plan Consulting is a boutique, independent firm focusing on corporate retirement plans and comprehensive financial planning for physicians, attorneys, and small business owners. For regulatory purposes, we cannot post or respond to comments or e-mails through this site. This communication is strictly intended for individuals residing in the states of CA, DE, FL, GA, NJ, NY, PA, UT. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Masso Torrence Wealth Management Inc. (“Masso Torrence”) is a Registered Investment Advisor. Please visit our Website https://www.massotorrence.com for important disclosures. Masso - Torrence Wealth Management | 401K Plan Consulting, 270 N. Elmwood Road, Suite H-160, Marlton, NJ 08053. T: 800.989.8699 | 856.988.6664

Hanlon is an innovative, New Jersey based, asset management firm with more than 20+ years experience partnering with planning minded financial advisors in delivering personal & proven outcomes to clients nationally. We have dedicated our two decades of service to providing comprehensive wealth management solutions for retail clients and specific investment solutions for advisors and their clients, making us uniquely experienced and qualified to understand the needs of clients and advisors. Our world-class managed account and wealth management platform provides a single sign-on front, middle and back-office solution, and includes an extensive list of proprietary and third-party investment management solutions. Through our total solution workstation, advisors can access daily updated accounts from a select list of custodian, see intraday account activity, open accounts with an innuitive investment proposal tool and receive unlimited account aggregation. In addition, we provide a next-generation income planning process allowing you and your clients to create an interactive, personal written income plan with customized investment execution. Delivering and enabling successful client outcomes is our business and passion.

Processed mortgage home loans Ran Credit Checks Calculated DTI ratios Verified employment Submitted loan packages to Lenders

Toews Asset Management is an SEC-registered investment advisor established in 1994. Toews builds and manages portfolios that primarily seek to reduce the risk of loss in crisis environments, as well as attempt to participate in market gains. Toews offers expertise in both equity and fixed income markets, including options hedged strategies. Toews’ process isn’t based primarily on subjective or predictive methodology. Alongside in-depth research, Toews uses a price-reactive algorithm that provides a rules-based signal for investment exit and reentry points. Toews is evolving the practice of applied behavioral finance to design and implement plans of action for investors ahead of market disruptions and attempt to address market risks. With representatives in New York City and across the U.S., Toews manages more than $1 billion in risk management strategies across its mutual funds, ETFs, and separately managed accounts. For more information, visit: http://toewscorp.com/ See Important Disclosures: https://toewscorp.com/disclosures/

Garden State Trust is a premier New Jersey independent trust company providing investment management, trust and estate services and elder solutions for retired and soon-to-be retired individuals. Garden State Trust was founded on three very simple guiding principles – communication, objectivity and above all trust. Members of our management team have over 30 years experience providing clients with the peace of mind of knowing they have access to a comprehensive array of services designed to meet their needs today and tomorrow. Experience the Garden State Trust Difference * Dedicated to finding solutions * Strong commitment to quality and caring service * Deep understanding of retirement needs * Careful analysis of client goals and circumstances * High level of responsiveness by seasoned professionals Garden State Trust … Spanning generations with integrity and experience you can trus

Redwood Wealth Management Group is an independent Registered Investment Advisor providing comprehensive investment and planning services to wealthy families and businesses. We serve as our clients’ advocates by striving to deliver independent, objective, and comprehensive financial advice. Our mission is to deliver a comprehensive, integrated approach to help clients manage their financial lives and make the best use of their resources.