Joseph Monte is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 26 years of industry experience. He has been associated with Primerica Financial Services since 1998 and PFS Investments, Inc. since 2000. He is the owner of Get Bullet Proof, LLC, a business formed for Primerica-related purposes. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm relies primarily on model-delivery strategies created by unaffiliated asset managers and supports trading and custody through BNY Mellon Advisors and Pershing.

Matthew Trzaska is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2024. Prior to his career in finance, he held various roles including positions at Guitar Center and Whole Foods Market. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of AI-driven methodologies and formal advisory roles to multiple registered investment companies.

Denise Li Brizzi is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. Her career includes tenures at Merrill and Bank of America before joining Morgan Stanley in 2021. She is involved in a family-held business, Libbys Kids LLC. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Martin Welzmuller is a CFP® professional with 29 years of experience in the financial industry. He is currently with Stifel, where he has worked since 2023, following seven years with Wells Fargo Clearing and five years with Wells Fargo Advisors LLC. Outside of his advisory role, Welzmuller is active in his community, serving as Vice-Chairman of a charitable fund, President of a local Republican Club, and holding elected and volunteer positions related to education and political committees in Mount Olive, NJ. Stifel serves a broad client base including individuals, institutional investors, and municipal entities, offering brokerage and advisory services supported by proprietary investment analysis and modeling from its Investment Strategy Group.

Nancy Lyons is a financial advisor at Merrill with 30 years of industry experience. She holds a Series 63 designation and has been with Merrill since 2016. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional accounts.

Roberto Ticzon is a financial advisor with LPL Enterprise. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate and charitable entities. The firm’s approach is typically model-driven, offering financial planning, access to third-party asset managers, and participation in wrap programs, along with affiliated trust and insurance services.

Luciano Prestonise is a financial advisor with Cetera who holds a Series 66 designation and has 15 years of industry experience. His career includes roles at multiple firms such as Commonwealth Financial Network, Madison Avenue Securities, and Independent Financial Group prior to joining Cetera. He is also a member of the US Army Reserve. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform that provides advisors with access to affiliated and third-party investment managers.

Scott Taylor Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior experience includes 18 years at Northwestern Mutual and roles at MassMutual and MML Investors Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to third-party asset managers, supported by a large network of advisors and advanced operational tools.

Michael Harvey is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Fidelity Investments and Northwestern Mutual. Outside of his advisory role, he is involved with Fit Wealth Management as an employee model brand. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad range of non-advisory financial services.

Gerald Dowling is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and retirement income. With a career spanning over 45 years, he works primarily with self-employed business owners and professionals to help them achieve their investment goals through retirement. Gerald’s expertise includes the selection of individual equities, municipal bonds, mutual funds, and ETFs. He entered the securities industry in 1979 and joined Merrill Lynch Wealth Management in 2005 following the acquisition of his previous firm. He holds multiple FINRA registrations, including Series 3, 7, 8, 63, and 65, as well as the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree from Fairleigh Dickinson University and an MBA from Seton Hall University. Gerald resides in Madison, NJ with his wife, Dori, and they have three grown children. Outside of work, he enjoys traveling, watching movies, and writing.

David Wright is a financial advisor with LPL Financial based in Succasunna, NJ. He holds a Series 66 designation and has 19 years of industry experience, having previously worked at Ameriprise Financial Services and Merrill. Wright is also a licensed agent for non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Daniel O'Sullivan is a financial advisor at MassMutual Investors Services with one year of industry experience. He holds a Series 66 designation and has previously worked at Barnum Financial Group and Compass Group. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to develop written recommendations in collaborative client relationships.

Melanie Winkle is a Series 66-registered financial advisor at Wells Fargo Clearing with four years of industry experience. She previously worked at Barings and TIAA before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

David Morrison is a Series 66-licensed financial advisor with 24 years of industry experience. He has worked at Merrill from 2015 to 2021 before joining UBS Financial Services Inc. in 2021. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Max Tominovich is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fiserv and Ramapo College of New Jersey. He serves as a corporal and section leader in the United States Marine Corps Reserve, where he is responsible for training and managing his mortar section. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved software to develop collaborative financial plans and offers specialized programs such as Divorce Planning and estate-settlement services.

Jeffrey Smith is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018. His prior experience includes roles at Invest Financial Corporation and Affinity Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and retirement advice services, utilizing both proprietary model portfolios and third-party strategies across a variety of investment approaches.

Erica Metz is a CFP®-credentialed financial advisor with eight years of industry experience, currently practicing at Raymond James Financial Services Advisors, Inc. She previously worked at Boston Private and is the owner of Money At Work LLC, where she dedicates significant time meeting with clients. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.

Alec Hardy is a CFP® and ChFC® with 10 years of experience in the financial services industry, currently serving at Mass Mutual Investors Services since 2017. Prior to this, he worked at MSI Financial Services and MassMutual Life Insurance Company. He is also an independent insurance agent specializing in fixed insurance products, including life, disability, long-term care, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-focused financial planning engagements supported by firm-approved analytical tools and a variety of investment and insurance implementation options.

Justin Bowers is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has 22 years of industry experience. He previously worked at UBS Financial Services Inc. for 11 years before joining Raymond James in 2022. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Shawn Tighe is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with LPL Financial, having joined in 2023, and previously worked at Raymond James and Associates and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, utilizing both proprietary and third-party model portfolios, with a platform notable for its scale and diverse financial services alongside its advisory offerings.