Kimberly Dallon is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. In addition to investment advising, she is involved in sales of loan products and home-related services through affiliates of her firm. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-based strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Amy Harrison is a CFP® with over 31 years of industry experience. She is affiliated with Raymond James Financial and has held roles there since 2003. Harrison is the managing owner of Harrison Financial Services, LLC, a business she oversees alongside her advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning supported by advanced analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Peter Morris is a CFP® with 29 years of industry experience, currently advising at Raymond James & Associates. He previously worked at UBS Financial Services for 15 years before joining Raymond James in 2026. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Michael Bale is a Wealth Management Advisor at Merrill Lynch Wealth Management, providing comprehensive wealth management planning to a diverse clientele. He has more than ten years of experience working closely with well-educated and forward-thinking individuals who seek real-world strategies and realistic expectations to achieve their financial goals. Michael's expertise includes investment and retirement planning, elder care financial management, college education planning, divorce transition planning, special needs planning strategies, tax minimization, and retirement income. He serves a loyal and growing client base primarily in New Jersey, New York, and coastal areas, including corporate executives, physicians, medical sales representatives, divorced and widowed individuals, and multiple generations of families. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Personal Investment Advisor (PIA) designation. Michael graduated from Rutgers University and is a native of Bergen County, New Jersey, where he currently resides with his wife and three children. Outside of his professional life, he enjoys baseball, basketball, cooking, football, golfing, hiking, softball, spending time with his family, and is involved in his community as a youth sports coach.

Michelle Rosenberg is a financial advisor at Cetera with 25 years of industry experience. She holds a Series 63 designation and has worked with Millman and Rosenberg Associates Ltd since 2016. In addition to her advisory role, she co-owns Millman and Rosenberg Associates, Ltd., a tax consulting and business management firm, and is a 50% owner and manager of Rosemill Ventures LLC, a business consulting company. Cetera Investment Advisers LLC serves a broad client base including 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 large network of independent advisors and features a multi-manager platform with access to affiliated and third-party managers.

Ernie Kloock is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at UBS since 2014, with prior roles at Merrill, Banc of America Investment Services, and Quick & Reilly. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Seth Courtwright is a financial advisor with Ameriprise in Paramus, NJ, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise since 2010 and serves as managing partner of CMA 92 LLC, a business involved in providing strategic and operational support for his Ameriprise financial practice. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that delivers written Recommendation Reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Gigi Tong is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been associated with Merrill and Bank of America, N.A. since 2010 and 2011, respectively. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors, combining internal and third-party management with various strategic and tactical asset allocation approaches.

Evelyn Reis is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. 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 strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory services.

Christopher Coppola is a financial advisor with Ameriprise in Riverdale, NJ, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, ADP, Aerotek, Rutgers University, and PSE&G. He also holds a real estate license. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

John Brewster is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Ameriprise since 2017 and previously spent 11 years at UBS Financial Services. Brewster serves on the Board of Directors for the Ramapo College Foundation in Mahwah, NJ. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in net investable assets, offering detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-supported advice through a centralized consulting team.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 33 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities (USA) Inc. He is also involved in a business entity connected to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms while supporting advisors with research tools and a broad array of financial services.

Marlene Smikle is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she owns a self-care products business. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Siobhan Cummings is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015. 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 investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Lodato is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Wells Fargo Bank and Uber. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining a multi-asset allocation approach with centralized operational support.

Pawel Langiewicz is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and its affiliates since 2013, including Charles Schwab Bank SSB since 2024 and Charles Schwab and Co., Inc. since 2022. Charles Schwab & Co., Inc. serves a large client base consisting mainly of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers primarily non-discretionary investment guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Center for Financial Research.

Evan Wuhl is a financial advisor at Wells Fargo Clearing with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee of his sister’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alec Francis is a Planning Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm from 2024 to 2025. Alec began his financial planning career at Barnum Financial Group, where he was a Financial Planner from 2022 to 2024. Alec emphasizes building long-term relationships with clients and helping them reach goals that matter most to them. He combines strategy, education, and trust to make a meaningful impact in his clients' financial lives. Outside of his professional work, Alec enjoys fishing, fitness, hiking, outdoor adventures, spending time with pets, and traveling.

Inna Price is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at several firms, including Citigroup Global Markets and HSBC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Leon Almeida is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding a ChFC® designation and Series 63 and 66 licenses. He has 17 years of industry experience, including prior roles at Metlife Securities Inc. Outside of his advisory work, Almeida is involved in real estate investing and owns an LLC used for marketing purposes. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing comprehensive financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm utilizes firm-approved software and collaborative annual planning to deliver tailored investment strategies without discretionary management.