Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Scott Bernstiel is a financial advisor with Raymond James Financial Services Advisors, Inc. in Windsor, NJ, holding Series 63 and Series 66 licenses with 31 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, Kennedy Investment Group, and DWS Distributors. Outside of advisory work, he serves as Treasurer and Bookkeeper for Notre Dame High School Lacrosse, overseeing financial supervision. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs in municipal advisory and employer SIMPLE IRA consulting.

Aigy Hasegawa is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan and JPMorgan Chase Bank, N.A. since 2016. Prior to that, he spent a year at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Matthew Sura is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has been in the financial industry since 2026. Prior to joining Raymond James, he worked at Santander Bank, Citizens Bank, and TD Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs.

David Dominici is a financial advisor with Cetera and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 41 years of industry experience and previously worked at Ameriprise Financial Services and Signator Investors, among other firms. Outside of his advisory role, he serves as treasurer for a religious organization and is involved in training baseball and softball players through a performance coaching business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with various program structures and custodial relationships.

Anthony Cifelli III is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has previously worked with Wells Fargo Advisors Financial Network LLC and Stockton University. Outside of his advisory role, he is involved in Medicare insurance services through his ownership of Superior Senior Solutions, LLC, and has an interest in buying, selling, and trading sports cards. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and annual advice, utilizing proprietary research and collaboration between centralized teams and individual advisors.

Daniel Linn is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, Linn coaches tee ball and first-grade basketball for local youth teams. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm’s approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers a range of financial planning and consulting services.

Kenneth Turner is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 28 years of industry experience, having worked at Mass Mutual Investors Services since 2017 and previously with Walnut Street Securities, New England Securities, Metlife Securities, and Metropolitan Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning using firm-approved tools and delivers recommendations without investment discretion, supporting implementation through separate brokerage or insurance arrangements.

R. Michael Braender is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Grove Point Investments, H. Beck, and Minnesota Life Insurance Company. Outside of advising, he is involved as a registered representative with RMB Wealth Advisors, LLC, offering financial services to clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm operates a multi-manager platform providing a range of portfolio management and financial planning services through discretionary and non-discretionary programs.

Maureen Mcgreevy is a financial advisor at LPL Financial with eight years of industry experience. She holds the Series 63 and Series 65 designations and has worked previously at CUNA Mutual Group, CUNA Brokerage Services, Inc., and United Teltech Financial Federal Credit Union. Mcgreevy is also a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using various model portfolios and customized strategies.

Peter Piccinini is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Stifel for 10 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with account management conducted primarily by its investment adviser representatives using various strategies and tools.

Logan Murphy is a Series 66-credentialed financial advisor with two years of industry experience, currently serving at Raymond James Financial. His prior experience includes roles at OSAIC Wealth, Inc. and Northwestern Mutual. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Ian Ruderman is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory work, Ruderman is involved in several ventures including ownership of a whisky event company, participation as a partner in a distillery, and serving as president of a college alumni board. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools to analyze client goals and provides ongoing, collaborative financial planning engagements.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Emily Paget is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked at the University of Delaware and in the Smithtown School District. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement income planning and ongoing advice, using proprietary research and a centralized service team.

Abraham Weiss is a financial advisor with MassMutual Investors Services in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is involved in the insurance brokerage business through Sterling Insurance Concepts Inc., which focuses on life and health insurance sales and ownership. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers customized financial planning using firm-approved software and hosts educational seminars, with planning engagements structured as ongoing, collaborative relationships.

Ralph Puzio is a financial advisor at Mercer Financial Group, Inc. in Trenton, NJ, with 42 years of industry experience. He holds a Series 63 designation and has worked with U.S. Discount Brokerage, Inc. and Jefferson Pilot Securities Corporation for over two decades. His other business activities include tax preparation, insurance and annuity sales, and financial planning. Mercer Financial Group, Inc. is a single-advisor independent firm serving individual clients with portfolio management and related advisory services, typically on a primarily non-discretionary basis. The firm manages approximately $11.5 million in assets across 12 client accounts and is noted for its combination of advisory, brokerage, accounting, and insurance relationships.

Gilbert Varnes Jr. is a financial advisor with Gcvsvc1 LLC, holding Series 63 and Series 65 licenses and 24 years of industry experience. He worked at U.S. Allianz Securities, Inc. from 1999 to 2006 and Multi Financial Securities Corporation from 2006 to present. Outside of his advisory role, he is involved in tax services, credit repair, and serves as a notary public. Gcvsvc1 LLC is an independent firm serving clients with personalized financial solutions.

Moshe Green is a financial advisor with XYPN Sapphire in Jackson, NJ. He holds a Series 65 designation and has been a student since 2016. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach using diversified portfolios and integrates adviser-tailored plans with oversight of AI tools and emerging digital-asset management programs.