John Russo is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes roles at Santander Securities, Santander Bank, PNC Wealth Management, and HSBC Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Anthony Rispoli is a financial advisor with Cetera who holds a Series 66 designation and has 10 years of industry experience. He previously worked at Avantax Investment Services, Inc. and Avantax Advisory Services, among other firms. Outside of his advisory role, he is involved with Nisivoccia LLP and is the owner of Wealthspring Financial Partners LLC, a vehicle for acquiring financial services and tax practices. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Michael Smith is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has previously worked with firms including Avantax and Northwestern Mutual. He also serves as a Wealth Management Assistant at Nisivoccia Wealth Advisors, where he supports client service and account-related activities. Cetera Investment Advisers LLC is an SEC-registered firm that services individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multi-manager investment platforms with diverse program options and custodial arrangements.

Edmund Tschopp is a CFP® and ChFC® with 32 years of experience in financial advising. He has worked at OSAIC since 2024 and previously spent eight years with American Portfolios Financial Services, Inc., as well as over 19 years with Kempson & Tschopp, LLC. He volunteers as a financial course facilitator at his church, where he leads discussions on budgeting, debt, and investment planning using Dave Ramsey materials. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a large multi-advisor platform. The firm offers brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and access to various managed portfolio strategies and third-party managers.

Danielle Scepkowski is a financial advisor with Cetera possessing 14 years of industry experience. She holds Series 63 and Series 66 registrations and has worked at Allied Wealth Partners and Securian Financial Services. Danielle has been with Cetera and its affiliated entities since 2023. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through a network of more than 10,000 advisors.

Thomas Rocco is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2010, bringing a comprehensive understanding of the financial challenges and opportunities faced by corporate executives and private business owners. Thomas focuses on providing personalized wealth management strategies, emphasizing transparent communication and a thorough understanding of his clients’ aspirations and concerns. His approach involves translating complex financial concepts into clear, accessible advice to help clients pursue their goals, whether achieving near-term milestones, sustaining retirement lifestyles, or planning for future generations. Thomas holds a CERTIFIED FINANCIAL PLANNER® designation, along with credentials such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned master’s degrees from the University of California Berkeley and Columbia University, as well as a bachelor’s degree from the University of Tennessee System. His client focus encompasses areas including divorce transition planning, executive compensation, equity compensation services, retirement income, socially responsible investing, and small business strategies. In addition to his professional work, Thomas contributes to his community by serving as a financial literacy instructor for NORWESCAP. Outside of his advisory practice, he enjoys fishing, football, music, reading, spending time with his family, surfing, tennis, and yoga.

Edwin Kulawiak II is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and related entities since 2001. In addition to his advisory role, he owns and operates a tax practice, Nerenberg & Kulawiak, Inc., where he provides income tax preparation, business bookkeeping, payroll preparation, and tax and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations supporting its scale and product offerings.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Paul Ciavarella is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and possessing 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, and Guardian, among others. Outside of his advisory work, he serves on the advisory board of the Wayne Lions Club and has an independent contractor role in the service industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Donna Brower is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. Her prior work includes positions at Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. She volunteers with the Parkinson Disease Foundation and is a member of the Parsippany Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of investment management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers.

Helen Sengor is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also managed Helen Enterprises from 2008 to 2016. In addition, she has a long tenure at JPMorgan Chase Bank, N.A., spanning over 20 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities.

Shlomit Raviv is a financial advisor at Cetera with 12 years of industry experience and holds the CFP® and Series 66 designations. She previously worked with Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, she is involved as a member in a service industry venture called The Wisenheimers. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to a multi-manager platform that includes affiliated and third-party model portfolios and flexible program options.

Li Pan is a financial advisor at Merrill with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Bank of America, Merrill, NYLIFE Securities, and New York Life Insurance Company. Outside of her advisory roles, she was involved with Livingston HuaXia Chinese School and operated Sweet Basil Technology LLC. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

James Whelan is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. His career includes roles at Cetera Wealth Services, Allied Wealth Partners, and Securian Financial Services. He also worked at Corporate Jet Support and attended Franklin and Marshall College. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program structures.

Edward Shevac is a financial advisor with LPL Financial in Hackettstown, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER CORP.) for 27 years since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Alae Jaber is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at PNC Investments. Outside of finance, he is involved with LNY Ice Cream LLC. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Scott Buchanan is a Series 66-licensed financial advisor at Stifel with four years of industry experience. His prior work includes serving in the United States Army on active duty from 2014 to 2022 and a brief tenure at Summit Financial LLC in 2022. Stifel serves a wide range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Douglas Sheroff is a Wealth Management Advisor at Merrill Lynch Wealth Management. He applies a client-focused approach to help individuals and families understand their current financial situation, define their future goals, and develop efficient strategies to achieve those objectives. His practice emphasizes the importance of personalized financial planning tailored to each client's unique needs and aspirations. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) credential. Douglas earned his Bachelor's degree from Quinnipiac University, where he studied Entrepreneurship and Small Business Management. His expertise includes family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, sports and entertainment, tax minimization, and retirement income. Outside of his professional life, Douglas is active in his local community, participating in the Chamber of Commerce and supporting organizations such as the Intrepid Fallen Heroes Fund and Musconetcong Lodge #42 F&AM. His personal interests include adventure sports, boating, cooking, golfing, skiing, and traveling.

Timothy Dalton is a financial advisor at Edward Jones with 34 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and maintains a large nationwide network of advisors and branch offices.

Xueping Crispo is a financial advisor at Merrill with Series 65 and Series 63 credentials and eight years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2009. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.