Keith Behrmann is a financial advisor with Vicus Capital, Inc. in Bridgewater, NJ, holding the CFP®, CFA®, ChFC®, and Series 63 designations, and has nine years of industry experience. His prior roles include positions at AM Best Company and Cetera Wealth Services. Outside of financial services, he is a PADI-certified scuba instructor leading recreational diving programs. Vicus Capital provides investment management and financial planning services to individuals, businesses, trusts, and employee benefit plan sponsors. The firm employs a combination of fundamental and technical analysis across various strategies, including core-satellite, momentum, fixed income tacticals, ESG, and faith-based allocations, while placing a particular emphasis on retirement plan consulting and fiduciary services.

David Greenberg is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He serves as president of Integrated Planning Concepts LLC, where he advises clients on health insurance matters, and acts as an ambassador for the Morris County Chamber of Commerce. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, businesses, and organizations, combining advisor-led management with model-based strategies and offering a range of financial planning and consulting solutions.

Daulton Carlisle is a financial advisor at TD Private Client Wealth LLC with one year of industry experience. He holds a Series 66 designation and has prior experience with Vanguard Marketing Corporation, The Vanguard Group, Inc., and Equitable Advisors, LLC. Outside of his financial career, he has worked at Chester Valley Golf Club and The Golf Zone. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients. The firm constructs portfolios combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers, offering ongoing portfolio management and financial planning support.

Brian Daly is a financial advisor with Guardian Life in Raritan, New Jersey, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Guardian Life Insurance Co of America for 20 years. Daly is also involved in managing an LLC through which he sells non-Guardian insurance products. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led management with model-based strategies and proprietary programs, supported by platforms such as Envestnet and Pershing.

Joseph Scalzo is a financial advisor with Commonwealth Financial Network in Clinton, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Edward Jones for 15 years and MetLife Investment Fund Services LLC for one year. He also engages in fixed insurance sales, spending a small portion of his time on this activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad support platform including managed-account programs, third-party asset manager access, and custody services, managing roughly $212.7 billion in client assets.

Kyle Carrocino is a CFP® with 15 years of industry experience and has been with GWN Securities Inc. since 2016. He is also licensed as an agent in fixed life insurance, long-term care insurance, health and disability insurance, as well as fixed and fixed indexed annuities. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning options. The firm employs a mix of discretionary portfolio management, model portfolios, and selective sub-adviser allocations, with a noted history of market-timing and momentum-based strategies in certain legacy programs.

Liwen Li is a financial advisor with Transamerica Financial Advisors based in Piscataway, NJ. She holds Series 65 and Series 63 licenses and has four years of industry experience. In addition to her advisory role, Liwen co-owns Vert Global LLC, a firm providing immigration consulting services. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with both discretionary and non-discretionary program options.

Juan Yu is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Highlevel, United Healthcare, ACV Auctions, and Cosmo Insurance Agency. Outside of financial advising, he is involved in consulting on group health insurance and managing equity compensation programs for digital and vehicle auction companies. Transamerica Financial Advisors serves a diverse client base that includes individual investors, institutions, and charitable organizations. The firm offers a range of advisory and broker-dealer services featuring proprietary and third-party model portfolios, with program options that are discretionary or non-discretionary.

Trevor Musum is a financial advisor with Lincoln Investment, holding a Series 66 designation and three years of industry experience. His prior roles include positions at SAFE Benefits Consulting Group and Adelphia Wine Market, as well as work at Florida State University and Mennen Sports Arena. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive investment strategies.

Michael Carides is a CFP® professional with three years of industry experience, currently advising at Wealth Enhancement Advisory Services, LLC. His background includes roles at Wealth Enhancement Group and Equitable Advisors, as well as experience outside finance in retail and education. Wealth Enhancement Advisory Services is an enterprise firm managing over $122 billion in assets for individuals, high-net-worth clients, corporations, and retirement plans. The firm employs a diversified, risk-class based investment approach that blends passive and active management, supported by an internal Investment Committee overseeing portfolio construction and rebalancing.

Carmine Tango is a financial advisor at Janney Montgomery Scott with 13 years of industry experience. He holds a Series 66 designation and has worked at Janney since 2020. Prior to that, he was employed at Bank of America and Merrill. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage services, financial planning, consulting, and multiple advisory programs, utilizing both in-house and third-party portfolio management.

Ray Hawkins is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2019. Prior to this, he worked at AEPG Wealth Strategies from 2011 to 2019. Hawkins is also involved with Wealth Enhancement Group’s non-variable insurance activities. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by research and an internal Investment Committee.

Meizhen Chen is a financial advisor at Transamerica Financial Advisors with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2012. Chen also has experience with Century 200 Group, LLC and World Financial Group, Inc. In addition to her advisory role, she serves as a Medicare sales agent with Spark Insurance Services, helping clients select suitable Medicare plans. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm employs a combination of proprietary and third-party model portfolios and manages approximately $2.1 billion in assets under management as of December 2025.

August Ferretti is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has been with Bankers Life Advisory Services since 2018 and also serves as an insurance agent and unit sales manager with Bankers Life & Casualty since 2002. Outside of his advisory role, he owns and operates an LLC managing a vacation rental property in Kitty Hawk, North Carolina, which offers rental services through the website obxluxuryrentals.com. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm combines fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients' goals and risk tolerances.

Valerie Downs is a CFP® with seven years of industry experience, currently serving as a financial advisor at MAI Capital Management, LLC. Her prior roles include positions at LWS Wealth Advisors, Inc., Wealth Edge, and Allied Wealth Partners. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base, including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies and integrates financial planning and tax services into its client relationships.

Kyle Vito is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors and AXA Advisors, LLC. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an online, discretionary model account offered as an invitation-only employee pilot. The firm uses algorithmic digital questionnaires to recommend investment risk bands and implements portfolios primarily through mutual funds and ETFs with annual rebalancing.

Adam Skot is a financial advisor at GWN Securities Inc. with 16 years of industry experience. He holds the Series 66 designation and has worked at GWN Securities since 2016, following prior roles at Hornor, Townsend & Kent, LLC and Equitable Advisors. Outside of his advisory work, Skot is involved in selling life and health insurance through Madison Brokerage. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs portfolios based on asset allocation and Modern Portfolio Theory, combining affiliated and unaffiliated sub-advisers, and is noted for its use of tactical market-timing and momentum strategies.

Christine Taylor is a financial advisor at Janney Montgomery Scott with 19 years of industry experience. She holds a Series 66 designation and previously worked at UBS for 10 years before joining Janney Montgomery Scott in 2022. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporations, and charitable organizations, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Omar Olivieri is a Chartered Financial Consultant (ChFC®) with 12 years of industry experience. He is currently with PNC Wealth Management and has held prior roles at Santander Securities, Santander Bank, Lovesac, and J.P. Morgan Chase Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account that uses algorithmic risk assessment and employs third-party strategists to manage investments via mutual funds and ETFs.

Dennis Huergo is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP® and ChFC® designations and seven years of industry experience. His prior roles include positions at Altfest Personal Wealth Management, Facet Wealth, and New York Life. He also serves as an adjunct professor at Seton Hall University’s Stillman School of Business, teaching the CFP curriculum to undergraduates. Wealth Enhancement Advisory Services is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, guided by an internal Investment Committee and supported by quantitative and fundamental research.