Edmund Delorenzo is a CFP® with 28 years of industry experience, currently affiliated with Cetera since 2005. He has held roles at McGoff, Collins & Delorenzo CPAs since 1998, providing tax, accounting, and forensic investigative services. Outside of advisory work, he is involved in forensic accounting consulting and also holds an insurance agent license, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC operates as a nationwide multi-manager platform serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of over 10,000 advisors and approximately 800,000 clients.

Jordan Trunk is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm uses a research-driven advisory process supported by centralized due diligence and offers capabilities in derivatives and commodities through specialized regulatory registrations.

Peter Paladino is a CFP® and ChFC® with 34 years of experience in financial services. He is currently with Cetera, having joined in 2023, and has held roles at Allied Wealth Partners and Securian Financial Services among others. Outside of advisory work, he serves as president of a company focused on expense management. Cetera Investment Advisers LLC is an SEC-registered firm serving a range of clients including individuals, retirement plans, and institutional accounts. The firm offers portfolio management and financial planning through a multi-manager platform that includes affiliated and third-party managers, supporting discretionary and non-discretionary investment strategies.

Matthew Riskin is a financial advisor at OSAIC with Series 65 and Series 63 credentials and two years of industry experience. He previously worked at Equitable Advisors, Virtu Financial, and Limekiln Real Estate. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services through a multi-advisor platform with a focus on model-based asset allocation, portfolio optimization, and a range of managed account strategies.

Lorie Rios is a financial advisor at LPL Financial with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with LPL Financial since 2012. She also operates a DBA under Diversified Financial Consultants, LLC in Whippany, NJ. 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 services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Robert Knorr is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2012. Outside of his advisory role, he is the sole proprietor of a Wendy's franchise through SKS WEN LLC. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations in its financial planning process.

Madeline Cedeno is a Series 66-licensed financial advisor at Merrill with 18 years of industry experience. She has worked at Merrill for a total of 18 years, with a one-year tenure at Morgan Stanley Smith Barney LLC in between. Outside of finance, she is the owner of Mad Hearts Photography, a photography services business. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Peter Seminara is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2012, including the Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is involved in various private investments and business ventures, including ownership of a Wendy’s franchise and partnerships in companies related to retail, manufacturing, and private equity. He also serves on the Finance Committee of the Ramapo College Foundation. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process while generally acting in an advisory capacity.

Jason Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 registrations and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wachovia Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research and analytics from its Wells Fargo Investment Institute alongside third-party databases to support its investment approach.

Omelio Saavedra is a financial advisor with Charles Schwab in Millburn, NJ, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. His prior experience includes roles at TD Ameritrade, Scottrade, and Four Points Capital Partners. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 solutions, utilizing multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Charles Scott is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. His prior experience includes a decade at TIAA-CREF and Tiaa from 2009 to 2019. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and offers a range of discretionary and non-discretionary advisory programs to a large client base.

Matthew Carver is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Dynics, Inc and Paritas Capital Management, as well as time as a student at Ohio State University. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and asset management programs. The firm offers a range of advisory services through Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Marnie Maclaren is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and bringing 25 years of industry experience. She has worked with Merrill Lynch, Pierce, Fenner & Smith Inc since 2000. In addition to her advisory role, Maclaren serves as a voting member of the Florida Securities Dealers Association and participates on one of its committees. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Quinn Devlin is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Ameriprise, he was with Sellside Group LLC and has a background that includes four years at William & Mary and thirteen years with Livingston Public Schools. 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, featuring a written Recommendation Report and ongoing advice tailored to dependable income sources and tax-aware withdrawal strategies.

Derek Popp is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and JPMorgan Chase Bank. He is also the founder of Parker Lawrence LLC, a business consulting firm that he maintains but does not actively manage. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Stephan Rothe is a CFP® professional with 28 years of industry experience, currently serving at J.P. Morgan Securities since 2013. Prior to that, he worked at Merrill from 2005 to 2013. He is also employed by JPMorgan Chase Bank, which allows him to offer a range of bank products including deposit and credit services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG criteria and broader derivatives capabilities through various affiliations.

Scott Siripalaka is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Northwestern Mutual and Foresters Financial Services. Since 2005, he has been affiliated with Thrivent in various capacities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses and planning without discretionary trading authority. The firm integrates planning with a managed-account program under a consolidated billing option known as WealthPlan, while maintaining planning and investment management as distinct services.

Richard Wu is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he performs paraplanning duties through Longohmont, LLC under the supervision of a financial advisor. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. 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 through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Catherine D'agati is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2020, following a 27-year tenure at Merrill. 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 and estate strategies, managing approximately $2.74 trillion in client assets.