Martha Marie Toledo

Nicholas Bernhardt is a financial advisor at Align Advisor Group, LLC with 10 years of industry experience. He previously worked at LPL Financial for 13 years and has been involved in real estate sales since 2009. Bernhardt holds Series 63 and Series 65 licenses. Align Advisor Group serves individual and high-net-worth clients, retirement plans, charities, and businesses by providing financial planning, consulting, and discretionary investment management. The firm’s investment approach combines passive and active strategies guided by fundamental analysis and modern portfolio theory, offering services through various platforms including its own wrap fee program and subscription-based financial planning.

Ryan Lomangino is a financial advisor with Align Advisor Group, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at LPL Financial, LLC, Tough Turf LLC, Stockton University, and Atlantic Christian School. Align Advisor Group serves individual and high-net-worth clients, retirement plans, charities, and businesses by providing financial planning, consulting, and discretionary investment management. The firm emphasizes asset allocation with a combination of passive and active strategies and offers services including wrap fee programs and subscription-based financial planning.

Ronald Holmes is a financial advisor at Calton & Associates, Inc. with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Calton & Associates since 2004. Holmes also has experience at BTS Asset Management, Holmes Financial Services, and REM Group. Outside of advisory roles, he is involved in tax planning and preparation, operates a financial services business, works as a sales representative in telecommunications and energy, and officiates soccer matches. Calton & Associates serves individual investors, retirement plans, trusts, and estates by providing portfolio management, financial planning, and retirement plan consulting. The firm offers various program structures, including firm-managed wrap programs and third-party money manager platforms, with investment recommendations tailored to client goals and risk tolerance.

Jerry Everwine is a financial advisor with Calton & Associates, Inc. in Vineland, NJ, holding a Series 66 designation and 53 years of industry experience. He has been with Calton & Associates since 2004 and has worked as a self-employed advisor since 1989. Outside of advisory activities, he is involved in income tax preparation and owns an insurance services business specializing in life, health, and long-term care insurance. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients with portfolio management, financial planning, retirement consulting, and access to third-party money managers. The firm offers tailored investment recommendations through multiple program structures, including firm-managed wrap programs and separate accounts, using various analytic strategies.

Daniel Peretti Jr. is a financial advisor at Capital Analysts with eight years of industry experience. He holds a Series 66 designation and has worked with Allen & Associates and Lincoln Investment since 2017, following three years at CRF Advisors, Inc. He serves as a member of the board of commissioners for the Vineland Housing Authority. Capital Analysts serves retail and institutional clients, including high-net-worth individuals, trusts, and charitable organizations, offering portfolio management, custom and model portfolios, access to third-party managers, and retirement-plan advice. The firm combines discretionary investment management by an in-house team with non-discretionary advisor and third-party solutions through a nationwide network.

Ian Klinger is a financial advisor with Independent Advisor Alliance, LLC, holding a Series 66 designation and eight years of industry experience. His career includes roles at LPL Financial, Ameriprise, Guardian Life Insurance Company, Park Avenue Securities, and PwC. Outside of his advisory work, he is involved with tax preparation and accounting services through IPP Tax & Accounting Services, LLC and Liberty Point Accounting & Tax Services. Independent Advisor Alliance serves a diverse client base, including high-net-worth individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, and retirement plan consulting, utilizing a combination of discretionary and non-discretionary portfolio management strategies and leveraging technology platforms to support comprehensive wealth management.