Steven Dipaola is a financial advisor with LPL Enterprise in Paramus, NJ, holding the Series 63 and Series 66 licenses and bringing 36 years of industry experience. His prior roles include positions at Bankers Life Advisory Services, Humana, United Health Care, Aetna, and Northeast Securities. LPL Enterprise serves a diverse client base including individuals, high-net-worth clients, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management programs, and a broad range of brokerage and insurance products supported by a platform that integrates advisory services with insurance sales and lending programs.

Brandon Pergola is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked at several firms including First Allied Securities and EP Wealth Management. Outside of his advisory role, he serves as Alumni Class President for Passaic Valley Class of 1999 and is a managing member of a consulting firm, MAKE IT HAPPEN VENTURES LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that provides discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement a range of investment strategies across various program structures.

Joseph Dailey is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Merrill and Bank of America before joining J.P. Morgan in 2021. Outside of his advisory role, Dailey owns a small woodworking business called CJD Designs LLC, where he creates commissioned pieces. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, emphasizing quantitative asset-allocation modeling and centralized manager due diligence. The firm integrates ESG criteria in its recommendations and operates within the broader J.P. Morgan financial organization.

Cristian Sierra is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and HSBC Securities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Xueping Crispo is a financial advisor at Merrill with 8 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Bank of America and Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies using both internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Mapes is a financial advisor at Morgan Stanley with 34 years of industry experience. He has been with Morgan Stanley since 2009 and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Mitchell Baum is a financial advisor with Raymond James Financial in Rochelle Park, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been associated with Raymond James Financial Services since 2004 and concurrently owns Axia Financial, where he is involved in financial services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Rhonda Peluso is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning. The firm employs a structured planning process that incorporates firm-approved tools and investment models to support client goals.

John Fiore III is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has one year of industry experience, with prior roles including positions at MassMutual Life Insurance Company and MML Investors Services, LLC. Outside of finance, he has experience working with Hercules Hauling and has a background that includes teaching roles at Trinity College and secondary schools. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, utilizing firm-approved tools and collaborative planning approaches.

Vanessa Bustamante is a financial advisor at Primerica Advisors with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been associated with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of her advisory role, she is involved in sales of home security and automation products through affiliated companies and owns Bam Financial Services, LLC, a legal entity formed for business purposes related to Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Peter Mc Cormack is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior work includes long tenures at Guardian Life from 1993 to 2020 and Prudential Insurance Company of America starting in 2020. He is based in Paramus, NJ. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that includes model portfolios, third-party asset management, and access to various financial products.

Nadine Raab is a Series 63 licensed financial advisor with Morgan Stanley, where she has worked since 2009, including 11 years at Morgan Stanley Private Bank, National Association. She has 27 years of industry experience. Outside of her advisory role, she is a sole proprietor of a rental property in Paterson, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services.

Elaine Rho is a financial advisor at Edward Jones with five years of industry experience. She holds the Series 66 designation and has prior work experience with Affiliated Network Services and Friedberg Properties & Associates. Outside of finance, she is involved with Weight Loss Buddy, a business she has been associated with for over a decade. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment options, including discretionary and non-discretionary strategies and separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Roy Halvorsen is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 55 years of industry experience, having been with Mass Mutual Investors Services since 1982 and Massachusetts Mutual Life Insurance Company since 1964. Outside of his advisory role, he is a part owner of a company conducting geophysical surveys for lithium drilling and has interests in real estate. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing firm-approved tools and collaborative annual planning relationships.

Anthony Perruso Jr. is a financial advisor with Wells Fargo Clearing in Rockaway, NJ, holding a Series 63 designation and bringing 32 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 work, he is a musician who performs at various venues. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in their investment menus.

Stephen Laddy is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, Laddy co-owns a landscape company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Herbert Roman is a financial advisor with Cetera who holds a Series 63 designation and has nine years of industry experience. His prior work includes roles at Avantax Advisory Services, Prudential Insurance Company of America, and Equity Services, Inc. Outside of advisory work, he owns and operates multiple golf-related businesses, including an indoor golf facility, a competitive golf tour company, and a charitable organization focused on teaching golf to children with limited resources. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management strategies and access to third-party managers, supporting both discretionary and non-discretionary account structures.

Brian Daniels is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Prior to his current role, he worked at Enfusion, LLC and was involved with Recharge Brewing Co. d/b/a Modern Chemical and My Pizza Technologies d/b/a Slice. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through Corporate Financial Planning agreements.

Benjamin Burklow is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 19 years of industry experience. Prior to joining Raymond James in 2026, he worked for Ameriprise Financial Services, LLC for 20 years. He is president of Burklow & Burklow LLC, a financial planning business focused on operations, staffing, and training. Burklow also serves on the board of directors for the Shiloh Board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, with notable offerings in municipal advisory and SIMPLE IRA employer consulting services.

Emilio Monaco is a financial advisor with Fidelity, holding a Series 66 designation and possessing 22 years of industry experience. He has worked at various Fidelity entities since 2003, including Fidelity Personal and Workplace Advisors since 2018. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.