Paul Devera is a financial advisor with Cetera, holding a Series 66 designation and 27 years of industry experience. He has been with Cetera since 2006 and also operates Devera And Co., which he founded in 1994. In addition to his advisory work, he owns and operates a CPA business focused on tax preparation, planning, and consulting. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad clientele including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Zachary Scott is a CFP®-designated financial advisor with 12 years of industry experience, currently affiliated with OSAIC. His prior work includes roles at Securian Capital of the Chesapeake, Minnesota Life Insurance Company, Kestra Financial Services, Inc., and Brotman Financial Group. He is also president and financial planner at Castellan Financial Group, LLC. OSAIC serves a diverse client base that includes retail and institutional investors, offering a wide range of integrated financial services through a large network of affiliated advisers. The firm employs systematic portfolio construction tools and supports multiple advisory platforms, combining proprietary resources with third-party solutions.

Bruce Crepea is a financial advisor at RBC Capital Markets with 37 years of industry experience. He has been with RBC Capital Markets since 2008 and holds Series 63 and Series 65 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and tailors investment strategies to clients’ risk profiles using both in-house and third-party managers.

Richard Tierney is a CFP®-certified financial advisor with 17 years of experience, all of which have been with Edward Jones. He holds the Series 66 designation and is based in Florham Park, NJ. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional investors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Tyler Smith is a financial advisor with Charles Schwab in Morristown, NJ, holding a Series 66 designation and five years of industry experience. His prior positions include roles at Bank of America Corp./Merrill Lynch and American Income Life, as well as two years working at Richard Stockton College of New Jersey, and six years at Anthony's Pizzeria & Grill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

John Perrette is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 1998. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As part of J.P. Morgan, the firm combines institutional advisory services with brokerage and investment management capabilities.

Natalia Giampietro is a financial advisor at Cetera with two years of industry experience. She holds Series 63 and Series 65 licenses. Her prior work includes roles at Raymond James Financial Services and Pascarella Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Josephine Scheurer is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and a structured planning process.

Mary Ellen Rund is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds a Series 63 designation and has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as secretary of Progic35 Productions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Kyle O'Bryan is a Financial Consultant at Fidelity Investments, where he partners with clients to develop and implement financial strategies focused on efficiency, income generation, and comprehensive wealth planning. He applies his understanding of capital markets, risk management, and long-term client relationships to create tailored investment plans. Kyle has been with Fidelity Investments since 2018, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. Prior to joining Fidelity, he worked as a Financial Professional at AXA Advisors in 2018. Outside of his professional work, Kyle's interests include fitness, golf, running, skiing, and traveling.

Patrick Maguire is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 15 years of industry experience. He previously worked at Bank of America and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering advisory programs with tailored portfolio management, financial planning, and brokerage services.

Daniel Holdt is a financial advisor at Equitable Advisors with 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves on multiple nonprofit boards including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. Equitable Advisors serves individual and institutional clients by offering financial planning, retirement plan consulting, and asset management programs. The firm emphasizes matching clients to program models or discretionary managers and provides ERISA fiduciary services through credentialed Investment Adviser Representatives.

Gregory Yaksta is a financial advisor at Charles Schwab with 10 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2021, following prior roles at Wells Fargo Clearing Services LLC, PNC Investments, and Aeon Funds. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering combined advisory, brokerage, custody, and cash-sweep services. The firm’s model features primarily non-discretionary client relationships supplemented by access to discretionary separately managed accounts and a multi-asset investment approach with centralized operational support.

Michael Boudway is a CFP® with 18 years of industry experience, currently advising at Cetera. His work history includes roles at Securian Financial Services, Minnesota Life Insurance Company, Allied Wealth Partners, and Alpine Wealth Planning LLC, where he is also the owner of an expense management business. He is a member of the Donville Rotary Club, engaging in community outreach activities. Cetera Investment Advisers LLC serves a broad range of clients including individual investors, employer‑sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi‑manager investment platform with discretionary and non‑discretionary portfolio management, financial planning, and access to third‑party money managers.

Michael Simon is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with RBC Capital Markets and previously worked at UBS Financial Services Inc. for 17 years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Richard Niederhaus is a financial advisor at Stifel with 41 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014 and holds a Series 63 designation. Stifel serves a broad range of clients including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Steven Waxgiser is a financial advisor with Stifel, holding a Series 63 designation and 36 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2020 and was previously with Wells Fargo Clearing from 2016 to 2020. Outside of his advisory role, he serves as co-executor for his mother’s estate. Stifel serves a diverse client base, including individuals across wealth levels, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Noe Ramirez is a Financial Advisor at Merrill Lynch Wealth Management. He partners with business owners, professionals, and families to help them make informed decisions regarding their financial goals, including college education planning, executive compensation, equity compensation services, managing new wealth, portfolio management services, tax minimization, and retirement income. Ramirez focuses on creating personalized strategies that bring together various financial elements such as equity compensation, stock positions, investment management, and assets spread across multiple institutions. Ramirez holds a Bachelor's Degree from Ramapo College and has earned the Personal Investment Advisor (PIA) designation. He is a member of professional organizations including Alpha Kappa Psi and Sponsors for Educational Opportunity (SEO). Fluent in English and Spanish, Ramirez emphasizes understanding clients' current situations and objectives to guide them through thoughtful financial decisions. Outside of his professional role, Ramirez enjoys basketball, cooking, and spending time with his family.

John Hughes is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at City National Bank and Wells Fargo Clearing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies, combining in-house and third-party investment resources and a range of portfolio management and financial planning services.

Paul Damico is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked at Cetera, Allied Wealth Partners, Securian Financial Services, and Mass Mutual in various advisory roles. Outside of his advisory work, he is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and various specialized program options.