Scott Howell is a CFP®-designated financial advisor with 27 years of industry experience. He is currently with LPL Financial and has previously worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. Howell operates a DBA under Gladstone Wealth Partners related to his LPL business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michelle Hyde is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with Equitable Advisors since 2015 and also serves as a CPA at Cicchini & Associates, where she has worked since 2006. 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 employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Lauren Difabritis is a financial advisor at Cetera with 17 years of industry experience. She has worked at Avantax Advisory Services and Avantax Investment Services, INC., and currently operates Robert DiFabritis & Co. in addition to her role at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a variety of program structures and custodial relationships.

Gregory Calotta is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Cetera and its affiliates since 2005 and previously co-managed Bruno, Calotta & Associates LLP. In addition to his advisory role, he owns Calotta Advisory Services LLC, which provides accounting, tax, and consulting services to small businesses and individuals. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and program structures supported by a large network of over 10,000 advisors.

Michael Wade is a financial advisor with LPL Financial in Chester, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2019 and previously held roles at 1st Global Advisors, Inc. and 1st Global Capital Corp. Wade is also involved with Caristia Kulsar Wade LLC, a CPA affiliate program offering tax planning and preparation services. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a large network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary portfolio management supported by research and multiple investment strategies.

Kurt Kleinle is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with J.P. Morgan Securities LLC since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Deirdre Hartmann is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. She has previously worked with Avantax Advisory Services and 1st Global Advisors, and has been associated with Nisivoccia LLP since 2006. Hartmann is also a trustee for a family trust and an owner of Wealthspring Financial Partners LLC, a vehicle created for acquiring financial services and tax practices. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and charitable organizations. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Alan Meckler is a CFP® and ChFC® credentialed financial advisor with 33 years of industry experience. He currently works at OSAIC and has previously held roles at Securities America Advisors, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Meckler also serves as a board member of St. Christopher's Inn, a nonprofit organization. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing firm-provided portfolio construction tools and multiple advisory platforms.

William Taylor is a CFP®-credentialed financial advisor with 14 years of industry experience. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory role, he maintains a social media presence focused on general finance topics unrelated to his firm. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual and institutional investors. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, featuring options for tax management and responsible investing.

George Cuevas II is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 registrations and has 17 years of industry experience. He previously worked at Bank of America and Merrill Lynch for 10 years before joining Raymond James and associated firms in 2021. He is also the CEO of Maverick Wealth Advisors LLC, an entity established for tax and bookkeeping purposes. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Timothy Ferguson is a financial advisor with Equitable Advisors in Columbia, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, his work history includes roles in education and hospitality. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, and institutional investors, providing financial planning, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing various sponsored programs and third-party managers to offer advisory and brokerage solutions.

David Evans is a financial advisor at Cetera with 24 years of industry experience and holds a Series 66 designation. He previously worked at Avantax Investment Services and 1ST Global Advisors, and maintains a long-standing role with Nisivoccia & Co. LLP. Evans also serves as a referring partner at Nisivoccia Wealth Advisors, a firm providing financial services to clients. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Guy Fernald is a financial advisor with Cetera, holding a ChFC® designation and the Series 66 license, and has 19 years of industry experience. He has worked with Avantax and 1st Global prior to joining Cetera in 2025. In addition to his role at Cetera, he serves as a financial advisor with Nisivoccia LLP and Nisivoccia Wealth Advisors, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform and supports both discretionary and non-discretionary program structures across various custodial relationships.

Trevor Jones is a CFP® with 17 years of industry experience, currently affiliated with Ameriprise since 2013. He holds Series 66 and has served in various nonprofit roles, including trustee and treasurer of St Joseph's Outreach and board member of St Paul Inside the Walls. Additionally, he coaches boys and girls lacrosse teams through Steps Lacrosse LLC. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Ryan Peters is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior experience includes roles at Royal Alliance, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Mark Leonhard is a CFP® with 40 years of industry experience. He has been with Raymond James & Associates since 2018 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with generally non-discretionary relationships.

Paul Modafferi is a Senior Financial Advisor specializing in family wealth management. He works with clients to create personalized financial strategies that reflect their unique goals and adapt to changing market conditions. Paul draws upon the investment insights of Merrill Lynch Wealth Management and the banking solutions of Bank of America to provide comprehensive guidance across areas such as education planning, legacy planning, retirement income, and tax minimization. With a focus on understanding clients’ financial situations and priorities, Paul begins each relationship by identifying key objectives and customizing approaches accordingly. He employs tools like Merrill’s Investment Personality Assessment to better tailor investment strategies. Paul holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Centenary University. Paul follows Merrill’s tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys football, golfing, hiking, music, reading, spending time with family, traveling, and watching movies.

Gregory Meehan Sr. is a CFP®-certified financial advisor with LPL Financial, where he has worked since 1998, totaling 31 years of industry experience. He holds a Series 63 license and provides financial planning services from Hackettstown, NJ. In addition to his advisory role, Mr. Meehan assists clients in divorce financial planning as a Certified Divorce Financial Analyst and also offers tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm provides financial planning, advisory programs, and retirement consulting through a national network of representatives, offering both discretionary and non-discretionary management supported by research and model portfolios.

Jan Sedlacek is a financial advisor at OSAIC with 50 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior work includes roles at Securities America, Inc. and Penn Mutual. Sedlacek is also president of Cornerstone Financial Group, Inc., where he has been involved in insurance sales since 1976. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory platforms and provides integrated brokerage and investment advisory services featuring advanced asset-allocation tools and access to third-party money managers.

Thomas Colombaris is a financial advisor at Equitable Advisors with a Series 66 license and less than one year of industry experience. His prior roles include positions at RBC Wealth Management and various other organizations, alongside his academic tenure at the University of Delaware. 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 multiple third-party programs. The firm employs a hybrid referral and implementation model, combining advisory, brokerage, and insurance services tailored to client goals and risk tolerance.