Grover Stults is a financial advisor at Cetera with 29 years of industry experience and holds a Series 63 designation. He has worked at Cetera and its affiliated entities since 2025 and previously spent 15 years at Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services. Stults is also the owner and sole proprietor of Center for Financial Strategies, LLC, a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm 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 access to affiliated and third-party managers.

Robert Clarke is a financial advisor at LPL Financial with 29 years of industry experience. He has been with LPL Financial since 2005 and holds Series 63 and Series 65 licenses. His outside business activities include managing two registered DBAs, RWC Investment Management, LLC and RWC Investment Mgmt, LLC, based in Doylestown, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, with investment management supported by proprietary research and third-party model portfolios.

Cornelius Mccarthy is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 26 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios from various sources.

Steven Szmak is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. He is also the sole proprietor of Albri, LLC, an investment-related business based in Flemington, New Jersey. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model outcomes.

Joseph D'amore is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 licenses and having 10 years of industry experience. Prior to joining Ameriprise in 2022, he worked at LPL Financial, LLC and Penn Wealth Planning for over a decade. He also serves as an adjunct lecturer at Gwynedd Mercy University, teaching undergraduate courses. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and enhanced by algorithmic automation overseen by a Retirement Income Oversight Committee.

Stephen Becker is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Cetera, he worked at Avantax Advisory Services and operates Beckers Tax Service, a tax preparation and consulting business serving individuals, businesses, and estates. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to over 10,000 advisors nationwide, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services with access to affiliated and unaffiliated third-party managers.

Luis Sarmiento is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2018. Prior to that, he was with David Lerner Associates, Inc. from 2017 to 2018 and has experience outside the financial industry. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by in-house research and alternative investment options.

Alyssa Fielding is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in managing new wealth, personal retirement planning, portfolio management, socially responsible and values-based investing, as well as retirement income planning. Alyssa collaborates with clients to develop personalized strategies that align with their unique ambitions, priorities, and financial goals. Alyssa earned her bachelor’s degree from Rider University in 2013 and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification through the Certified Financial Planner Board of Standards, Inc. She also holds the Personal Investment Advisor (PIA) designation. Since beginning her career at Merrill Lynch Wealth Management, Alyssa has focused on creating comprehensive wealth management plans tailored to clients’ individual circumstances. Outside of her professional role, Alyssa enjoys cooking, snowboarding, traveling, and spending time with her family.

Francis Scally serves as the Senior Resident Director at Merrill Lynch Wealth Management in Flemington, New Jersey. He has been with Merrill since 1996, bringing over 28 years of experience in the financial services field. In his role, he manages the Flemington office while providing wealth management advice centered on a diversified, risk-based investment process aimed at managing risk and generating absolute returns. Francis is a qualified portfolio manager and a CERTIFIED FINANCIAL PLANNER® professional. He offers clients a comprehensive approach that includes personalized strategies involving individual securities, Merrill model portfolios, and third-party investment options. His expertise spans a range of client focus areas such as college education planning, family wealth management, retirement planning, tax minimization, and legacy planning. Francis holds a bachelor's degree from Molloy College, where he also played basketball and earned a scholarship. Residing in Flemington with his wife Michele and their three children, Francis is active in the local community. He coaches youth sports, including his son's lacrosse team, and enjoys activities such as cooking, music, and reading.

Victoria Esarey is a financial advisor with Primerica Advisors in Lebanon, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. Her career includes roles at Faneuil Inc and long-term engagements with PFS Investments Inc and Primerica Financial Services. She is involved in sales of investment-related products and also receives compensation for referrals related to mortgage loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional or pension plan services.

Bruce Hesse is a financial advisor with Cetera, holding the PFS™ credential and Series 63, 65, and 66 licenses, and has 30 years of industry experience. His career includes roles at Avantax, 1st Global Advisors, and Private Advisor Group. Outside of advising, he serves as president of a condominium association and manages a tree farm in Maine. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and provides access to multiple investment platforms, including affiliated and third-party money managers.

Carrie Lee is a Planning Consultant based in New York, currently working with Fidelity Investments. In her role, she collaborates with clients to help them pursue their financial goals by utilizing the tools and planning materials provided by Fidelity Investments to create and implement financial plans. Carrie has been with Fidelity Investments since 2023, initially serving as a Financial Consultant before advancing to her current position in 2024. Prior to joining Fidelity, she worked as a Financial Consultant at E*TRADE from Morgan Stanley from 2014 to 2023. Her professional experience encompasses financial planning and consulting roles within major financial institutions. Outside of her professional work, Carrie has personal interests that include spending time at the beach, visiting museums, enjoying music, caring for pets, reading, and running.

Patrick Woodward is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has 28 years of industry experience, including 19 years at Metlife Securities and over a decade with MassMutual and its investment services affiliate. Woodward is also a partner at Optimum Financial and serves as a group health insurance agent. 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 provides financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using firm-approved analytical tools.

David Lambert is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 36 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he works as a technical editor for Wiley & Sons. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios and research.

Robert Junge is a CFP® professional affiliated with LPL Financial, with 37 years of industry experience. He has worked at LPL Financial since 2011 and previously spent seven years with Private Advisor Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

J. Michael Seymour is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 32 years of industry experience. He previously worked for Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. Seymour is also the owner of UNI Private Wealth Strategies, a sole proprietorship that provides insurance and fixed annuity recommendations and monitoring. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services and uses various portfolio construction and management tools supported by multiple advisory platforms.

John Derosa is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 2010. He holds Series 63 and Series 65 licenses and serves as a trustee of a life insurance trust. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering a range of advisory and capital markets services through a large network of financial advisors.

Brian Sulewski is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Stephen Mazda is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 39 years of industry experience, including over two decades at Cantella & Co., Inc. and managing Mazda Capital Management LLC since 2001. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services through a network of independent Financial Professionals. The firm offers multiple investment platforms and proprietary strategies while maintaining documented controls related to affiliated strategies and advisor business relationships.

Linda Modico is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. She has worked at UBS since 1996. Outside of her advisory role, she is involved with P. M.-B. Trust, where she reviews trades, payments, and investments. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and a range of capital markets services through a large network of financial advisors.