Stephen Locker is a CFP® professional with 34 years of industry experience, currently serving at LPL Financial since 2017. Prior to this, he spent 11 years with National Planning Corporation. His other business activities include involvement with Lock23, LLC, a non-investment-related entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Matthew Stanek is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Lakeland Financial Services Agency, and Raymond James Financial Services. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a range of third-party programs. The firm operates a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Steven Ornstein is a financial advisor with RBC Capital Markets in Randolph, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with City National Bank since 2018 and with RBC Capital Markets, LLC since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by a notable capital markets presence and affiliated asset management capabilities.

Brandon Leung is currently the Branch Leader at Fidelity Investments, where he leads a team of financial professionals dedicated to assisting clients in achieving their financial goals and ensuring peace of mind. In this role, he emphasizes a collaborative approach, working closely with clients and their families to develop personalized wealth management plans. Brandon's professional experience spans various roles within the financial services industry. Prior to his current position, he served as a Planning Consultant at Fidelity Investments from 2021 to 2025. His background also includes positions as an Insurance Advisor at The Fortis Agency LLC, Founder and Managing Partner of Invictus Financial Partners LLC, Internal Advisor Consultant at New York Life Investment Management LLC, Financial Consultant at JPMorgan Chase, and Financial Solutions Advisor at Merrill Edge. Outside of his professional responsibilities, Brandon has interests that include food, football, social events, movies, pets, and volunteering.

Stephen Croghan is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1993 and Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he serves as president of the North Hunterdon Rotary Club. He is also the owner of Three Bridges Wealth Advisors LLC, a financial planning and investment firm. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Kurt Schroeder is a CFP®-certified financial advisor with LPL Financial in Hackettstown, NJ. He has 35 years of industry experience, including roles at Private Portfolio Partners, LLC and LPL Financial. Schroeder is also involved in the sales and service of fixed life and health insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives. The firm offers a broad range of financial planning and advisory programs, including retirement plan consulting and model portfolio management, supported by research from LPL Research and third-party subadvisors.

Shawn Healy is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 designations and 15 years of industry experience. He has worked at UBS since 2018 and previously held positions at JPMorgan Securities LLC and JPMorgan Chase Bank from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Debbi Wertheim is a financial advisor at Raymond James Financial with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including M Holdings Securities and Capital Legal Group. Wertheim is also associated with Eagle Rock Wealth Management and Greenberg and Rapp as a financial advisor. 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, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports clients through advisory programs and institutional consulting services.

Anthony Panissidi is a financial advisor with Fidelity Investments in Morristown, NJ. He holds a Series 66 designation and joined Fidelity in 2025. Prior to this, he worked at Enterprise Mobility and has experience assisting members at Ridgewood Country Club as a golf caddy. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Timothy Bialobok is a CFA® charterholder with 10 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Wells Fargo Clearing, TD Bank N.A., TD Private Client Wealth LLC, and PNC Wealth Management. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, with a focus on advisory and brokerage solutions delivered through program sponsors and third-party managers.

Thomas Whelan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Cambridge since 2018 and previously spent 11 years at Signator Investors Inc. Whelan serves as a finance board member for Spring Point Senior Living. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and platforms tailored to client objectives.

Juan Jimenez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he serves as a pastor assistant at The Church of God Ministry of Jesus Christ International. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm offers these services alongside brokerage, distribution, and investment management capabilities.

Brett Comstock is a financial advisor with Ameriprise in Mendham, NJ, holding a Series 63 designation and 29 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of financial advising, he owns and operates Premier Tree Service, a tree removal and pruning business. Ameriprise provides retirement-income planning services targeting clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to support income planning. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Mary Ann Long is a financial advisor at Morgan Stanley in New York, NY, with 28 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017 and previously held roles at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and the Global Investment Committee’s research.

James Marchesi is a CFP® certified financial advisor with 32 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2018 and previously spent six years at Ameriprise Financial Services, Inc. Marchesi also owns and operates Mill Ridge Wealth Management, a wealth advisory practice based in Morristown, NJ. 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, pension plans, corporations, and institutional investors. The firm focuses on non-discretionary planning tailored to client goals, utilizing analytical tools and risk profiling, and supports its clients through various advisory programs and specialized services such as municipal advisory and SIMPLE IRA consulting.

John Ricker III is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2018. Prior to that, he was associated with INVEST Financial Corp. and Affinity FCU. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, with options for both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Justin Williamson is a CFP® and ChFC® with 19 years of industry experience. He is currently affiliated with Mass Mutual Investors Services and has been with the firm since 2017. In addition to his advisory role, he works as an insurance agent specializing in individual and group life and health insurance, fixed annuities, and life settlements. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, software-assisted planning methods and provides a range of specialized programs, including divorce planning and estate settlement services.

Michael Pidich is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Secular Return Estimates and Monte Carlo simulations to support its financial planning process.

Dustin Lindley is a financial advisor with Edward Jones in Clinton, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at PRUCO Securities, LLC and The Prudential Insurance Company of America from 2009 to 2018 before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

Michael Moretti is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 and financial planning services supported by structured discovery processes and proprietary planning tools.