Jagruti Panwala is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. She serves as an executive member of the American Hotel and Lodging Association Board of Directors and participates as a panel speaker for the nonprofit Castell College. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services across diverse asset classes, utilizing asset-allocation tools and third-party money managers to construct portfolios on both discretionary and non-discretionary bases.

Peter Pitucco is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has been with MML Investors Services since 1989 and with MassMutual Life Insurance Company since 1988. In addition to his advisory role, he is involved in the sales and service of insurance products for various carriers. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved software and offers specialized planning services including divorce planning, estate settlement, and employer-sponsored programs.

Eric Jay is a ChFC® and Series 66 credentialed financial advisor with 37 years of industry experience. He has been with Cambridge Investment Research Advisors since 2006. In addition to his advisory role, he operates as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Thomas Kerest Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been affiliated with Linsco Private Ledger since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Edward Bullock is a financial professional with 42 years of industry experience. He has been with Cetera since 2005 and holds the ChFC®, Series 63, and Series 65 designations. Outside of his advisory work, Bullock serves as President of the Board of Trustees for the Phillipsburg NJ Public Library and as Vice Chairman of the IRCO Federal Credit Union board. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a large network of advisors and managing over $256 billion in assets.

Michael Diekmann is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 credential and has worked at several firms including Fidelity Investments and ACA Foreside. Outside of finance, he has been involved with Matunuck Oyster Bar and Matunuck Oyster Farm. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform, combining affiliated and third-party strategies across various program structures and custodial relationships.

Kathryn Bogle is a financial advisor at Raymond James Financial with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley for 12 years before joining Raymond James in 2019. Outside of her advisory role, she is involved as an administrative assistant at SGI. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm employs tailored, non-discretionary planning and risk profiling tools and supports both retail and institutional advisory programs.

Patrick Tierney is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1998, bringing 24 years of experience in financial services. He specializes in guiding and advising clients on wealth management strategies aimed at helping them pursue their financial goals. Patrick focuses on maintaining moderate risk in investment portfolios while pursuing absolute returns and maximum diversification. His expertise includes areas such as college education planning, executive and equity compensation, family wealth management strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. As a Senior Portfolio Manager, Patrick manages his own discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick holds a Bachelor's Degree from the University of Scranton and holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Alternative Investment Analyst (CAIA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Patrick spends time volunteering in his community and enjoys basketball, music, reading, and spending time with his family.

Michelle Geddes is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 15 years of industry experience. She has been affiliated with Cetera and its related entities since 2010 and currently is also associated with Febbo Wealth Management. Outside of her advisory work, she operates a tax and accounting business serving local clients. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Evan Kendis is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing personalized financial advice and wealth management strategies since 2005. He specializes in working with small business owners and corporate executives, offering expertise in retirement planning, concentrated stock diversification, and sophisticated income strategies. His work includes advising on defined-benefit, defined-contribution, and SEC Rule 10b5-1 plans. Evan holds a bachelor's degree from The College of New Jersey and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He serves clients in various areas such as college education planning, family wealth management, philanthropic planning, socially responsible investing, and special needs planning. Evan is fluent in English and Spanish. Residing in Basking Ridge, New Jersey, Evan lives with his wife, Lori, and their three sons, William, Andrew, and Matthew. Outside of his professional work, he enjoys cooking, fishing, music, and reading. His planning approach emphasizes collaboration with clients to create personalized financial strategies designed to help pursue their goals.

Frank Policare is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at LPL Financial for 19 years before joining Ameriprise in 2022. Outside of his advisory role, Policare serves on the boards of the New Hope Historical Society and Bucks County Playhouse. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Daniel Becker is a CFP® professional with 24 years of industry experience. He is currently with LPL Financial, where he has worked since 2022. Prior to joining LPL, he held roles at Securities America Advisors and National Planning Corporation. Becker is also involved in tax preparation and accounting services through his enrolled agent status. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial services, supported by research and technology-driven investment strategies.

William King is a Series 66-licensed financial advisor at Merrill with 9 years of industry experience. He 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Glovas Jr is a financial advisor with Morgan Stanley in Easton, PA, holding a Series 66 credential and four years of industry experience. His work history is primarily with Morgan Stanley Smith Barney and Morgan Stanley Private Bank, spanning from 2017 to the present. Outside of his advisory role, he is involved in house flipping and property management activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to support client financial plans.

Jane Iademarco is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has been with LPL Financial since 2011 and also maintains an affiliation with RWC Investment Management since 2010. Outside of advisory work, Jane operates an online art store where she sells her own artwork. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Eric Collier is a financial advisor with Cetera, holding Series 63 and Series 65 credentials. He has been with Cetera and its affiliates since 2025, following a brief tenure at KPMG. His professional experience in the industry is just beginning. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing upwards of $256 billion in assets.

Lacey Kozik is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, to support financial planning outcomes.

Gregory Baro is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by a structured process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Michelle Bartosik is a financial advisor with Merrill and holds a Series 66 designation. She has 19 years of industry experience, including roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and Bank of America, N.A. since 2011. Outside of her advisory role, she works part-time as a gymnastics coach for a family business called Gymnastics Unlimited. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Gregory Frentzen Jr. is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has held roles at multiple firms including Securities America and Trumark Financial Credit Union. He is also the owner of Frentzen Financial Solutions LLC, a financial services business. Cetera Investment Advisers LLC is a large nationwide advisory firm serving individual, corporate, retirement plan, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management and access to third-party money managers.