Stephen Oliver is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 34 years of industry experience. He has worked with Cetera and its affiliates since 2012, as well as First Allied Advisory Services prior to that. Outside of his advisory role, he is an author and media contributor for The Retirement Obsession. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a variety of portfolio management and retirement services through a multi-manager platform that allows advisors to use affiliated and third-party managers or create customized strategies.

Sean Chan is a Planning Consultant at Fidelity Investments, where he supports clients in working toward their financial futures with a focus on retirement and investment planning. He partners with individuals and their families in all phases of their lives to help them understand and implement strategies toward their unique financial goals. Sean's professional experience includes roles at Goldman Sachs and The Ayco Company, a Goldman Sachs Company. His positions have ranged from Financial Analyst to Financial Planner and Regional Training Coordinator, as well as Relationship Manager in Goldman Sachs Personal Financial Management. He has been in his current role at Fidelity Investments since 2021.

Margaret Milite is a financial advisor with Merrill, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2007 and has worked at Bank of America, N.A. since 2014. Outside of her advisory role, she is a co-owner of a family rental property business. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based, discretionary, and tax-aware investment strategies.

Bryan Dunst is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Wayne, New Jersey. He provides financial advisory services to a diverse clientele including families, private and public business non-profit organizations across the United States. He assists clients in portfolio management, corporate retirement, small business strategies, personal retirement planning, tax minimization, and socially responsible investing. Bryan is known for a consultative approach focused on helping clients make informed decisions to grow and preserve wealth. Bryan holds numerous professional certifications including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Plans Specialist™ (CRPS), Certified Portfolio Manager (CPM), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has extensive experience speaking and training on financial topics such as portfolio preservation, asset allocation, effective portfolio management, and estate planning. Bryan earned a Bachelor's degree in Business Administration from Ramapo College and a Master's degree in Finance from Fairleigh Dickinson University. Outside of his professional career, Bryan is a Mensan and a Mason, and is involved with NY/NJ Blood Services. He resides in Kinnelon, New Jersey with his wife Natalie and their four sons. His personal interests include hiking, music, spending time with family, and watching movies.

Eric Murtha is a financial advisor with Mass Mutual Investors Services in Morristown, NJ, holding a Series 66 designation and having 25 years of industry experience. His prior experience includes eight years at Metlife Securities Inc. He is also an agent with Capital Benefits, where he is involved in insurance brokerage including individual life, property and casualty, and group benefits. Mass Mutual Investors Services 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 seminars, using collaborative, annual planning engagements supported by firm-approved analytical tools.

Brian Hale is a financial advisor at Merrill in Florham Park, NJ, holding a Series 66 designation with four years of industry experience. Prior to joining Merrill in 2026, he worked at Buckman, Buckman & Reid, Inc. for four years and has held various roles in other firms and organizations. His background includes engagements outside finance, such as work with political campaigns and consulting. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Gregory Tripold is a CFP® professional with seven years of industry experience, currently associated with LPL Financial. He previously worked at Bank of America and Merrill from 2018 to 2021 and has additional experience at Paylocity and ADP. Outside of his advisory role, he is involved with Tripold Enterprises LLC, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio management strategies, supported by technology tools for operational and research purposes.

Robert Brueggeman Jr. is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. He previously served at Equitable Advisors from 2005 to 2010 before rejoining in 2026. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Zhigang Shen is a financial advisor at Morgan Stanley with 26 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and applies a structured financial planning process supported by proprietary tools and modeling techniques.

Pamela Sutton is a financial advisor at LPL Enterprise with 13 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. She is also involved with JIA, LLC, a business entity used for tax and bookkeeping purposes. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily employs model-driven investment implementation and offers access to third-party asset managers and various financial planning services.

Steven Jones is a financial advisor at Morgan Stanley with Series 63 and Series 66 credentials and 43 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he serves as a tennis official for the New Jersey State Interscholastic Athletic Authority. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Andrew Manganiello is a financial advisor with Ameriprise, holding a Series 66 designation and 18 years of industry experience. He has worked with Ameriprise Financial Services since 2016, including both the LLC and Inc. entities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Jason Reback is a financial advisor with RBC Capital Markets in Parsippany, NJ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at RBC Capital Markets since 2009 and has also been affiliated with City National Bank since 2017. Outside of his advisory work, Reback serves on the Board of Directors for the Cystic Fibrosis Foundation in New Jersey, where he participates in volunteering and fundraising activities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through both in-house and third-party managers.

Diane Rothberg is a financial advisor with Stifel in Morristown, NJ, holding the CFP® designation and Series 63 and 66 licenses. She has 35 years of industry experience, including 11 years with Stifel Nicolaus & Co Inc. Stifel serves a broad range of clients, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Debra Spiesman is a financial advisor with UBS Financial Services in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. She has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Glenn Schwier is a Series 66-licensed financial professional with five years of industry experience. He is currently with Cetera and also a partner at Nisivoccia LLP, where he oversees tax services and handles complex tax research and planning. Schwier is an owner of Wealthspring Financial Partners LLC, a vehicle created to acquire and operate financial services and tax practices separately from Nisivoccia LLP. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services across various program structures and custodial relationships.

Darren Amerkanian is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding a Series 63 designation and 34 years of industry experience. He has worked at RBC Capital Markets since 2014 and previously at City National Bank starting in 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Lauren Chanley is a financial advisor with Equitable Advisors who holds a Series 66 credential and has two years of industry experience. Prior to joining Equitable Advisors, she worked at Goldman Sachs & Co. LLC for a total of 18 years, with a break in between. Outside of her advisory work, she serves as a trustee for a family trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing third-party asset managers and a variety of investment vehicles.

Michael Castracucco is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with eight years of industry experience. His prior roles include positions at Wells Fargo Clearing and B Adams Holdings, as well as employment at the University of Scranton. He also has work history with Sywanoy Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a comprehensive range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis techniques.

Joe Lentine is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans aimed at achieving their long-term goals. He focuses on understanding the individual needs and objectives of each client to build tailored plans that support their financial well-being. Joe has been with Fidelity Investments since 2021, progressing from Financial Representative to Investment Consultant, and currently serving as a Financial Consultant. Prior to joining Fidelity, he worked as a Registered Representative at New York Life from 2019 to 2021. Outside of his professional role, Joe enjoys fishing, golf, horseback riding, and soccer.