Nicholas Franco is a financial advisor at Guardian Wealth Partners, LLC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Foresters Financial Services and Park Avenue Securities. Outside of his advisory role, he is involved with BiondCoaching LLC, which provides a structural process for balancing behavioral and financial client needs, and he operates Nicholas Consulting, LLC for facilitating marketing expense payments and tax purposes. Guardian Wealth Partners, doing business as Park Avenue Investment Advisory, is an SEC-registered adviser serving individual investors, trusts, corporations, and retirement plans. The firm offers discretionary investment management primarily through model portfolios and third-party managers, along with financial planning, business exit consulting, and retirement plan services.

John Scalabrini is a financial advisor at Shore Point Advisors, LLC with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Park Avenue Securities and Guardian Life Insurance. Scalabrini also served 20 years with the New Jersey State Police. Shore Point Advisors manages discretionary portfolios and provides financial planning services to individuals, retirement plans, charities, and businesses. The firm employs a model portfolio approach informed by modern portfolio theory and a five-factor model, incorporating option strategies and multi-asset overlays in client accounts.

John Caroli is a CFP®-certified financial advisor with 17 years of industry experience. He has worked at BCS Private Wealth Management since 2015 and previously with Western International Securities from 2009 to 2015, while also maintaining a role at Bernard Caroli Wealth Management, Inc. since 2009. BCS Private Wealth Management serves high-net-worth individuals, corporations, and other business entities by providing discretionary investment management, financial planning, and divorce mediation services. The firm manages approximately $470 million in assets and employs multiple analytical methods to create tailored portfolios incorporating equities, fixed income, ETFs, and mutual funds.

Matthew Schreiber is a financial advisor with Hartshorne Group, LLC, holding a Series 65 designation and 17 years of industry experience. He has worked at Millington Securities, Inc., The Hartshorne Group, and Foreside Fund Services, LLC. Schreiber also serves as president and chief investment strategist of WBI Investments, an affiliated registered investment adviser. Hartshorne Group (now CyborgWealth) provides financial planning, wealth management, tax-related services, and investment management supervision primarily for individual, high-net-worth, institutional, and intermediary clients. The firm operates on a non-discretionary, manager-referral model, coordinating client reporting and ongoing portfolio reviews while referring implementation to affiliated or third-party managers.

Kevin Duffy is a CFP® professional with 13 years of industry experience, currently serving at The Private Client Advisory Group, LLC. He has held roles at Duffy Tax Resolution LLC, Tax Wealth & Financial Services, Inc., and Approved Oil Co. of Brooklyn, Inc., and has operated as a sole proprietor since 1998. The Private Client Advisory Group, LLC provides investment advisory and financial planning services to individuals, trusts, charitable organizations, and business entities. The firm employs a comprehensive investment process incorporating fundamental, technical, and cyclical analysis, offering both discretionary and non-discretionary management, including specialized ERISA 3(21) retirement-plan advisory services.

Jacob Rue V is a financial advisor at Shore Point Advisors, LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Guardian Life Insurance and Park Avenue Securities. He is also an agent for life, disability, and long-term care insurance through JCL Financial LLC. Shore Point Advisors provides discretionary portfolio management, financial planning, and advisory services to individuals, retirement plans, charities, and business entities. The firm utilizes model portfolios informed by modern portfolio theory and a five-factor model, along with option strategies and multi-asset overlays, serving clients through a ten-advisor team with over $327 million in discretionary assets under management.

Renee Pepia is a CFP® and holds a Series 66 license with 13 years of industry experience. She is currently with The Private Client Advisory Group, LLC and LPL Financial, LLC, where she has worked since 2018 in various roles. In addition to her advisory duties, she serves as a registered assistant performing compliance and operational activities. The Private Client Advisory Group advises individuals, high-net-worth clients, trusts, charitable organizations, and business entities, offering portfolio management, financial planning, and retirement-plan advisory services. The firm’s investment approach is goal-based and tailored to clients’ time horizons and risk tolerances, combining in-house management with third-party managers and employing a range of analytical strategies.

Kelly Cole is a financial advisor at Epic Wealth Management LLC with eight years of industry experience. She holds a Series 65 designation and has worked previously at Fountainhead Capital Management, Jarred Bunch Consulting, and Chelsea Financial Services. In addition to her advisory role, Ms. Cole is a licensed insurance agent and is involved with the Duffy Cole Agency, LLC, through which she manages a referral-based business relationship. Epic Wealth Management provides financial planning and investment management services to individual clients, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a strategic approach with tactical overlays, primarily using model portfolios and third-party sub-advisors, and integrates insurance activities alongside its advisory services.

Michela Zacharczyk is a financial advisor at Zynergy Retirement Planning in Red Bank, NJ, holding a Series 65 designation with two years of industry experience. She has been with Zynergy Retirement Planning since 2014. Zynergy Retirement Planning serves individuals and couples at or near retirement, offering fee-only financial planning and discretionary investment management focused on retirement goals. The firm employs a passive, index-centric investment approach using low-cost, diversified portfolios and integrates multi-level tax services into its advisory offerings.

James O’Mealia is a financial advisor at BCS Private Wealth Management with 19 years of industry experience. He holds a Series 65 designation and has previously worked at Seelaus Asset Management LLC and Sunnymeath Asset Management, Inc. Outside of his advisory role, he is the sole proprietor of Sunnymeath Farms, LLC, which involves racehorse ownership through partnerships. BCS Private Wealth Management serves individuals, corporations, and pooled investment vehicles, providing discretionary investment management, financial planning, and divorce mediation services. The firm manages approximately $470 million in assets across 213 client accounts, utilizing multiple analytical methods and offering tailored portfolios with ongoing client coordination.

Patrick Appello is a financial advisor with Buckman Advisory Group LLC, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He previously worked at Herbert J. Sims & Co., Inc. for 22 years before joining Buckman in 2024. Outside of finance, he teaches music at both the Monmouth Conservatory and Georgian Court University. Buckman Advisory Group provides advisory services to individuals, trusts, estates, charitable organizations, and retirement plans, offering discretionary portfolio management, financial planning, and access to third-party money managers. The firm uses a combination of fundamental, technical, and cyclical analysis to construct portfolios and typically implements strategies with mutual funds, equities, bonds, and ETFs, managing accounts on a discretionary basis and reviewing them regularly.

Jason Muscari is a financial advisor with Empire Financial Management Company, LLC, holding a Series 63 designation and bringing 24 years of industry experience. He has been with Empire Financial Management since 2016 and also works with Empire Asset Management. Outside of his advisory role, he serves as CEO and President of JAM Planning & Consulting. Empire Financial Management Company provides portfolio management services to individual and high-net-worth clients, as well as trusts, estates, corporations, and other business entities, tailoring strategies to client objectives through separately managed accounts. The firm’s investment approach includes a wide range of asset classes and strategies, with a focus on client-specific asset allocation.

James Madigan Jr. is a financial advisor with Regal Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. Since 2009, he has worked at Wells Fargo Advisors LLC. Regal Advisory Services, Inc. serves individuals, corporations, retirement plans, trusts, foundations, and other institutional clients through a team of 15 advisors managing approximately $113.5 million in assets. The firm provides discretionary and non-discretionary portfolio management, financial planning, and retirement plan advisory, utilizing a blend of fundamental and quantitative research tailored to client goals and risk tolerance.

Elias Burgos is a financial advisor at Atlas Private Wealth Advisors with a Series 66 credential and two years of industry experience. His prior roles include positions at Equitable Advisors, LLC and LPL Financial, as well as entrepreneurial experience with Burgos Enterprises Junk Removal. Atlas Private Wealth Advisors serves individual and high-net-worth clients, charities, and small businesses by providing discretionary and non-discretionary portfolio management and financial planning. The firm manages approximately $860 million in assets across more than 1,200 client relationships, utilizing tailored strategies and a combination of fundamental, technical, and cyclical analysis.

Steven Trusso is a financial advisor with Buckman Advisory Group LLC in Little Silver, NJ, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has been with Mercer, Bokert, Buckman & Reid, Inc. since 1998. Buckman Advisory Group, LLC provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, and charitable organizations. The firm employs a strategic asset-allocation process using model portfolios primarily composed of mutual funds, equities, bonds, and ETFs, managing approximately $236 million across about 814 client relationships.

Jared Smallwood is a financial advisor at Smallwood Wealth Management with one year of industry experience. He holds a Series 65 designation and has a background that includes directing the rugby program and coaches at Fordham University. Smallwood Wealth Management serves individual and high-net-worth clients, pension and profit-sharing plans, and charitable organizations by providing portfolio management, financial planning, and pension consulting. The firm applies modern portfolio theory with a long-term trading approach and conducts regular reviews for ongoing advisory clients.

Nikhil Agharkar is a financial advisor at EPIC Wealth Management LLC with two years of industry experience. He holds a Series 65 designation and has previously worked at ShoreHaven Wealth Partners and Crowne Point Tax & Wealth Counsel. Outside of his financial advisory role, he is the owner and managing member of NSA Legacy Legal, a law practice specializing in estate planning and strategic tax advice. EPIC Wealth Management provides financial planning and discretionary investment management to individuals, retirement plans, trusts, estates, and other entities. The firm uses a strategic investment approach with a tactical overlay, primarily employing model portfolios and third-party Sub-Advisors for portfolio management.

Steven Francione is a financial advisor with Guardian Wealth Partners, LLC in Red Bank, NJ. He holds Series 63 and Series 65 licenses and has two years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, Northeast Financial Network, NYLIFE Securities LLC, New York Life Insurance Co, and Equitable Advisors, LLC. Guardian Wealth Partners, doing business as Park Avenue Investment Advisory, provides discretionary investment management and financial planning services to individual investors, trusts, corporations, and retirement plans. The firm utilizes model portfolios and third-party managers across various platforms and offers additional features such as tax harvesting and lending services.

Vincent D'albora is a financial advisor at B. Riley Wealth Advisors, Inc. with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at National Securities Corporation. B. Riley Wealth Advisors, Inc. manages approximately $7.03 billion in client assets through about 274 advisors and serves individuals, high-net-worth clients, charitable organizations, corporations, and retirement plans. The firm offers a broad range of advisory programs and financial planning services, utilizing multiple program structures and third-party sub-advisers.

Ryan Hostnik is a financial advisor with Garden State Investment Advisory Services, LLC, holding Series 63 and Series 65 licenses and over 10 years of industry experience. He has worked at several firms, including Allied Wealth Partners, Cetera, and Mass Mutual Investors Services. Hostnik also engages in fixed insurance sales as an agent and broker through multiple organizations. Garden State Investment Advisory Services, LLC provides personalized investment advisory services to individuals, high-net-worth clients, trusts, estates, corporations, and other business entities. The firm manages approximately $674 million in client assets and serves a diverse client base through a multi-advisor team using discretionary portfolio management with a mix of fundamental, technical, and third-party research.