Joseph Fay III is a financial advisor with Cetera, holding a Series 66 credential and five years of industry experience. He has worked with several firms, including Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, he engages in fixed insurance sales as an independent contractor and refers potential clients to consulting medical billing services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and third-party managers.

Brian Mccaskill is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial for Lutherans since 2013. He serves on the board of Your Grandmother's Cupboard, a nonprofit that provides free food and clothing to those in need, and is secretary of Community Services Inc of Ocean County, an organization that delivers meals to elderly individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan while keeping services separate.

Daniel Koerner is a CFP®-credentialed financial advisor with 10 years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, and runs Koerner & Koerner, PA, an accounting firm where he is a partner. He is also involved with Koerner WealthCare, LLC, providing insurance, tax, investment, and estate planning for closely held business owner clients. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Margaret Lynch is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Christian Beach is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on delivering a customized wealth management experience by combining a disciplined process with a deep understanding of client needs. Christian works with clients on planning for retirement, funding education expenses, and developing strategies for small business owners to achieve their financial goals. Christian's expertise includes divorce transition planning, employee benefits planning, employee financial health, personal retirement planning, and small business strategies. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Christian attended Brookdale Community College and Rutgers, although no diplomas were conferred. In addition to his professional work, Christian is involved in community activities including the American Cancer Society and coaching soccer for TRFC. Outside of work, he enjoys camping, hiking, music, spending time with his family, and writing.

Yehuda Goldfein is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Edirect. Prior to his financial services career, he was affiliated with Keser Torah Mayan Hatalmud for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Gerard Tischio is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a 32-year tenure at Merrill. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Yosef Pick is a financial advisor at LPL Enterprise with two years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at TD Private Client Wealth LLC and TD Bank N.A. He also provides occasional IT support for an e-commerce business operated by his wife. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform.

Alexis Jaeger is a financial advisor at Primerica Advisors with seven years of industry experience. She holds the Series 63 and Series 65 credentials. Outside of her advisory role, she owns an online clothing business called His Kingdom Apparel. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes a model-delivery strategy supported by third-party asset managers and focuses on scaled advisory services through a large network of advisors.

Christopher Carbone is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America N.A. since 2022 and operating Carbone's Clothing Company from 2016 to 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual, corporate, and nonprofit clients.

Michael Cohen is a financial advisor at OSAIC with 43 years of industry experience. He holds the ChFC® designation and Series 63 license and has worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and NEL Equity Services Corporation. Cohen serves as a trustee for trusts of immediate family members and owns and operates MRC Financial Services and MRC Wealth Management Inc., which provide various insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage, investment advisory, financial planning, and managed account services, utilizing firm-provided asset allocation tools and third-party solutions.

Agnieszka Kolbusz is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at UBS Financial Services for 11 years before joining Morgan Stanley Smith Barney LLC in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and a range of advisory programs supported by firm-approved tools and research.

Joyce Wajda is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1986. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Yitzchak Goldsmith is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 18 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2015. In addition to his advisory role, he is also engaged as a sales agent in life and group health insurance. 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 ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Philip Rachmelowitz is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior experience includes extensive work with Avantax Advisory Services and Avantax Insurance Agency. In addition to advising, he operates a tax preparation and accounting business. 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 multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Charles Sergewick is a financial advisor with Merrill based in Toms River, NJ, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Merrill since 2014 and concurrently with Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.

Stephen Hawthorne is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at firms including Allied Wealth Partners and Securian Financial Services and currently operates Hawthorne Wealth Management LLC, a separate expense management business. Hawthorne also serves as the Youth Advisor Training Chair for NAIFA New Jersey and holds a volunteer secretary position with the National Association of Insurance and Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Michael Cassidy is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and previously worked for the West Orange Police Department for 21 years. Outside of his advisory role, Cassidy is active in local politics, serving as Vice-Chair of the Hanover Township Republican Committee and Vice President of the Hanover Township Republican Club. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage services tailored to client goals and risk tolerance.

Patrick Parrino is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior work includes roles at TFS Securities, Inc., Equitable Advisors, and T3 Trading Group, LLC. Outside of his advisory work, he sells sports cards on eBay. Fidelity Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.