Nicholas Bernhardt

Jared Gruccio is the principal of Advice to Thrive and holds Series 63 and Series 65 licenses with 14 years of industry experience. He previously worked at GWN Securities Inc. for 14 years before founding Gruccio Financial, LLC. He serves as a board member of the Greater Vineland Chamber of Commerce and is a partner in a tax planning and consulting firm. Advice to Thrive provides discretionary investment management and comprehensive financial services, including financial, tax, estate, and insurance planning, primarily for business owners, high-net-worth individuals, and multigenerational families. The firm uses fundamental analysis and strategic asset allocation to build primarily long-term portfolios and offers consulting and coordination with other professional advisors.

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 a Series 65 credential and four years of industry experience. His prior work includes roles at Ohio State University, Northpoint Bank, and in education at Williamstown High School and Middle School. HFM Investment Advisors serves individuals, business owners, and employer-sponsored retirement plans with discretionary portfolio management, financial planning, and retirement plan consulting. The firm uses a range of service models tailored to client needs and frequently employs third-party subadvisors and technology platforms for investment implementation and account management.

Catherine Allen Carlozo is a Certified Financial Planner® with over 31 years of industry experience. She is currently with HFM Investment Advisors, LLC, where she has worked since 2018. Her prior experience includes roles at M Financial Planning Services, Inc and LPL Financial LLC. HFM Investment Advisors serves individual clients, business owners, and employer-sponsored retirement plans by providing discretionary portfolio management, comprehensive financial planning, and fiduciary services. The firm employs multiple service models tailored to client needs and utilizes third-party subadvisors and technology platforms for investment implementation and account management.

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.

Joseph Gaspari is a financial advisor with HFM Investment Advisors, LLC, holding a Series 65 designation and three years of industry experience. He has been with HFM since 2021 and previously worked as self-employed and at JetSki AC. HFM Investment Advisors serves individuals, business owners, and employer-sponsored retirement plans, offering discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes multiple service models to tailor client engagement and leverages third-party platforms and subadvisors for investment implementation and account management.