Nicholas Stuart Bernhardt

Jared Gruccio is the sole advisor at Advice To Thrive and holds the Series 63 and Series 65 designations with 15 years of industry experience. He previously worked at GWN Securities Inc for 14 years before founding Gruccio Financial, LLC. Gruccio serves on the Board of the Greater Vineland Chamber of Commerce and is a partner in a tax planning and consulting firm, Clement Tax Services, LLC. Advice To Thrive provides discretionary investment management along with bundled financial services such as financial, tax, estate, and insurance planning for business owners, high-net-worth individuals, and multigenerational families. The firm employs fundamental analysis, strategic asset allocation, and Modern Portfolio Theory to build primarily long-term portfolios, while also incorporating short-term and hedging strategies as needed.

Michael Pallozzi is an investment advisor representative at HFM Investment Advisors, Inc. with 24 years of industry experience. He has been associated with various entities within the HFM group since 2004. Pallozzi is also licensed as an insurance agent and is involved in insurance product sales. HFM Investment Advisors serves individual and institutional clients, providing discretionary investment management and comprehensive financial planning. The firm employs a fundamental, diversified asset-allocation approach and manages approximately $493 million with a small advisory team.

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.

Brett Herron is a financial advisor at HFM Investment Advisors, LLC with one year of industry experience. He holds a Series 65 designation and has held positions including roles at Ohio State University and Northpoint Bank. HFM Investment Advisors is a seven-advisor team managing approximately $404 million for individual investors and employer plan sponsors. The firm offers discretionary and non-discretionary portfolio management, comprehensive financial planning, and retirement-plan services, frequently utilizing third-party subadvisors such as GeoWealth and Betterment.

Catherine Allen Carlozo is a Certified Financial Planner® with 32 years of industry experience. She has worked at HFM Investment Advisors, LLC since 2018 and previously held roles at M Financial Planning Services, Inc, LPL Financial, PNC Wealth Management, Fidelity, and Wells Fargo Clearing. HFM Investment Advisors, LLC is a seven-advisor team managing approximately $404 million for over 500 clients, serving individual investors and employer plan sponsors. The firm offers discretionary and non-discretionary portfolio management, comprehensive financial planning, and retirement-plan services, often utilizing third-party subadvisors and technology platforms to manage a range of accounts.

Jason Gabrieli is a CFP® and Series 66-licensed financial advisor with HFM Investment Advisors, LLC, where he has worked since 2014. He has 14 years of industry experience and is also the owner of Events By GM, LLC, a DJ services business. HFM Investment Advisors serves individuals, business owners, and employer-sponsored retirement plans with discretionary portfolio management, financial planning, and retirement consulting. The firm employs a range of service models and utilizes third-party platforms and subadvisors to implement and manage client portfolios.