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.

Ian Klinger is a financial advisor with Independent Advisor Alliance, LLC, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at LPL Financial, Ameriprise, Guardian Life Insurance Company, Park Avenue Securities, and PwC. Independent Advisor Alliance, LLC is an SEC-registered enterprise RIA serving individuals, small businesses, retirement plans, pooled vehicles, charities, and estates. The firm offers a range of services including asset management, financial planning, retirement plan consulting, and wealth coaching, utilizing model portfolios, third-party managers, and technology platforms to implement and rebalance client allocations.

Erin Mendez is a CFP® professional with 19 years of experience in the financial services industry. She is currently affiliated with Independent Advisor Alliance, LLC and LPL Financial, having previously worked at Ameriprise Financial Services, Inc. from 2006 to 2021. Outside of her advisory role, she also works as an assistant at T&F Camera Shop. Independent Advisor Alliance, LLC is an SEC-registered enterprise RIA serving individuals, small businesses, retirement plans, charities, and estates. The firm offers a range of services including asset management, financial planning, and retirement plan consulting, utilizing model portfolios, sub-advisors, and technology platforms to manage client allocations.

Ronald Holmes is a financial advisor with Calton & Associates, Inc. in Vineland, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Calton & Associates since 2004 and has also been involved with BTS Asset Management, Holmes Financial Services, REM Group, and Amway Corporation throughout his career. Outside of advisory work, he is a soccer referee and participates in tax planning and mortgage consulting through a separate business. Calton & Associates serves individual investors, retirement plans, trusts, and estates by providing portfolio management, fee-based financial planning, retirement plan consulting, and access to third-party money managers. The firm offers both advisory and brokerage services, tailoring investment recommendations based on client goals and risk tolerance, and operates multiple program structures including firm-managed wrap programs and separate account platforms.

Jerry Everwine is a Series 66-licensed financial advisor with Calton & Associates, Inc. in Vineland, NJ, bringing 52 years of industry experience. He has been with Calton & Associates since 2004 and has operated as a self-employed advisor since 1989. Outside of his advisory role, he is involved in income tax preparation and owns a life insurance business. Calton & Associates serves individual investors, retirement plans, trusts, and estates with portfolio management, financial planning, and retirement consulting. The firm offers both fee-based and commissionable products through its dual registration, providing tailored investment strategies and multiple program structures, including firm-managed wrap programs and third-party money manager platforms.

Patrick Mcgrory is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Independent Advisor Alliance, LLC and has previously worked at Ameriprise Financial Services, Inc. He also owns and operates Liberty Point Accounting & Tax Services, a tax preparation and accounting business. Independent Advisor Alliance, LLC is an SEC-registered enterprise RIA that serves individuals, small businesses, retirement plans, charities, and estates. The firm offers a range of services including asset management, financial planning, and retirement plan consulting, utilizing model portfolios, sub-advisors, and technology platforms to manage client allocations.

Douglas Kramer is a CFP® with six years of experience in the financial services industry. He is currently with Commonwealth Financial Network and Fitzgerald Financial Group, having previously worked at The Vanguard Group, Inc. and held roles in insurance and investment services. Outside of finance, he has experience with Blueberry Bill Farms LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and personalized investment options, while offering operational, compliance, and practice-management support to affiliated advisors.

Marc Eisen is a financial advisor with PNC Wealth Management in Vineland, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at PNC Investments, Bank of America, Merrill, Axcel Capital Group, and Philadelphia Investors. Outside of finance, he has been involved in assistant therapy staffing with National Charter School Services. PNC Wealth Management provides retail brokerage and advisory services, including a model‑based digital investment program available by invitation to employees with online banking credentials. The firm employs algorithm-driven portfolio strategies managed or approved by PNC and third-party strategists, utilizing mutual funds and ETFs with annual rebalancing.

Daniel Peretti Jr. is a financial advisor with Capital Analysts in Vineland, NJ, holding a Series 66 designation and eight years of industry experience. He previously worked at CRF Advisors, Inc. from 2014 to 2017 and has been affiliated with both Allen & Associates and Lincoln Investment since 2017. Outside of his advisory role, he serves as a member of the Board of Commissioners for the Vineland Housing Authority. Capital Analysts provides advisory services to a diverse client base including individuals, high-net-worth clients, charitable and corporate organizations, ERISA retirement plans, and institutional clients. The firm employs a quantitative screening process and proprietary mutual fund lists to construct model portfolios, offering both discretionary and non-discretionary management across mutual funds, ETFs, and stock strategies.

John Fitzgerald is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 19 years of industry experience. He previously worked at Morgan Stanley in various capacities from 2008 to 2017 before joining Commonwealth in 2017. Outside of his advisory role, he serves as president and owner of Fitzgerald Financial Group, LLC, a private entity facilitating securities and investment advisory business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides advisory programs, wealth management, and retirement plan consulting, supporting affiliated advisors with operations, technology, compliance, and investment management services.

Ralph Wendell is a financial advisor with GWN Securities Inc. in Bridgeton, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with GWN Securities since 2004 and also owns Wendell Financial Services and Ralph S. Wendell Insurance, where he has been involved in life insurance, disability insurance, and annuity sales since 1982. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs, including both traditional asset-allocation and legacy market-timing strategies.

Dominic Romano is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 10 years of industry experience. He previously worked at Cantella & Co., Inc. for eight years before joining Cambridge. Outside of his advisory role, he is involved in tax preparation through Romano Tax and Business Consultants LLC and owns Romano Buonadonna Financial Services LLC. Cambridge Investment Research Advisors serves individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing both discretionary and non-discretionary strategies with access to multiple custodians and third-party sub-advisers.

Martha Toledo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Anthony Romano is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and with 32 years of industry experience. His prior work includes over a decade at Cantella & Co., Inc., and he has been involved with Romano Buonadonna Financial Services, LLC since 2002. Outside of his advisory role, Romano serves as secretary and board member of a New Jersey nonprofit organization. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent financial professionals. The firm offers financial planning, discretionary and non-discretionary portfolio management, and access to third-party sub-advisers using multiple account platforms.

Joseph Gaunt is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018, following brief positions at Newfield National Bank. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Lauren Cosgrove is a financial advisor with Merrill based in Vineland, NJ, holding a Series 66 designation and eight years of industry experience. She has been affiliated with Bank of America, N.A. and Merrill since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage services. The firm utilizes multiple program strategies with advisor or client discretion and leverages its integration with Bank of America affiliates to support comprehensive financial and capital market services.

Brett Buonadonna is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 29 years of industry experience. His prior work includes roles at Cantella & Co., Inc. and Romano & Buonadonna Financial Services, LLC. Outside of advising, he serves as an independent insurance agent and is a board member of CEO Group. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations, offering financial planning, portfolio management, and retirement plan advisory through a large network of independent financial professionals and multiple account platforms.

Stanley Hadam is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Carol Sumoski is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has 11 years of industry experience, including prior roles at Edward Jones and Cantella & Co., Inc. Outside of her advisory work, she serves as a board member on the Shiloh Zoning Board in New Jersey. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing multiple account platforms and third-party strategists.

Stuart Cohen is a CFP®-certified financial advisor with Ameriprise in Vineland, NJ, and has 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he rents office space from his wife, who is also a client. Ameriprise provides retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored, written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Maneck Shroff is a financial advisor at Fidelity with eight years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, Merrill, and American Income Life Insurance Company. Outside of finance, he worked part-time at Hand & Stone Spa as a front desk receptionist and sales clerk. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients through a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Shawn Benson is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked at Merrill Lynch and LPL Enterprise LLC. Outside of financial services, he is employed at Laurel Creek Country Club, where he serves as a server, busser, and event setup staff. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, providing managed account programs and discretionary portfolio management. The firm leverages its affiliation with Bank of America and offers a variety of investment strategies with an emphasis on tax-efficient solutions.

Richard Demaria Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Cetera and its affiliated entities since 2020 and has operated Wealth Capital Group and 401K Planners since 2001. Outside of advisory work, he is also licensed to sell fixed insurance products, including life insurance, annuities, and long-term care. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, supported by a variety of advisor-managed and third-party investment programs.

Timothy Gardner is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Cambridge since 2002 and is the owner of Gardner Financial Planning LLC. Outside of his advisory role, he volunteers as a tutor and has been a guest speaker on financial and behavioral health topics. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent Financial Professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services using various account platforms and both discretionary and non-discretionary investment approaches.

Donald Daigle is a financial advisor with Charles Schwab who holds Series 63 and Series 65 credentials and has 33 years of industry experience. Prior to joining Schwab in 2021, he worked at IC Advisory Services, Inc. and The Investment Center. He serves as an alternate board member on the Cumberland County New Jersey Planning Board. 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. The firm offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Cole Powers is a financial advisor with Charles Schwab, holding a Series 66 designation and one year of industry experience. Prior to joining Schwab, he worked at Crossroad Trailers and has experience in full-time education and retail. Charles Schwab 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. The firm’s investment guidance combines multi-asset model portfolios, discretionary separately managed accounts, and alternative investments with centralized supervisory and custody arrangements.

Evan Herring is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. He has been involved in educational activities since 1990. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Donald Robbins is a CFP® with over 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a power of attorney for his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.