Michael Tarashuk is a financial advisor at Cetera with 39 years of industry experience. He holds a Series 63 designation and has worked previously at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. He also operates as an agent/broker in fixed insurance sales. 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 portfolio management, financial planning, and access to various third-party managers through multiple program structures and custodial relationships.

Collin Moran is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked at firms including Securian Financial Services Inc and Allied Wealth Partners. Outside of financial advising, he also works as an independent contractor for Instacart. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with both discretionary and non-discretionary program options.

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.

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.

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.

Jean Choiniere is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services and Wealthspring Financial Partners LLC. Outside of his advisory work, he holds a junior advisor role at Wealthspring Financial Partners LLC where he prepares financial plans and manages client portfolios. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management solutions and financial planning services through a large nationwide network of independent advisors.

James Elsman is a financial advisor with Wells Fargo Clearing in Mountain Lakes, NJ. He holds Series 63 and Series 65 licenses and has 40 years of industry experience. Prior to his current role, he worked at Wells Fargo Advisors LLC for seven years. He also serves as co-trustee for his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Lloyd Winkler is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Winkler also works as an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

John Gallagher is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Gallagher also holds a real estate license. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. 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 asset management using firm-approved software and structured annual planning relationships.

Christopher Perrotta is a financial advisor at Cetera with seven years of industry experience. He holds a Series 66 designation and previously worked at Avantax and 1st Global Advisors. Outside of advising, he serves as treasurer for the Vernon Township Little League and is involved with the Sussex County YMCA. Cetera Investment Advisers LLC is a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and affiliations.

Albert Passanante is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services, Avantax Advisory Services, Avantax Insurance Services, and 1st Global Advisors. Passanante is also an owner and financial advisor at Nisivoccia LLP, where he has been involved in providing financial services since 2001. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with various program structures and investment options.

John Bogucz is a financial advisor at Osaic Wealth, Inc. with 44 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked for Western International Securities, Inc. for 18 years. Outside of his advisory role, he invents and sells an original board game on Etsy and serves as the treasurer of the Boonton Township volunteer fire department. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and portfolio management strategies, including discretionary and non-discretionary account management.

Luis Ponce is a financial advisor at LPL Financial with 41 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Edward Jones and The Prudential Insurance Company of America. 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 a range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports client portfolios through a combination of model strategies and customized approaches.

Dennis Profaca is a financial advisor with LPL Financial, holding a Series 63 designation and 28 years of industry experience. His prior roles include positions at Morristown Financial Group, Linsco Private Ledger, Securian Financial Services, and WS Griffith Securities. In addition to advisory work, he acts as a health insurance broker for small businesses in New Jersey. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by advanced advisor tools and a broad network of over 22,800 advisors.

Gilbert Moscatello Jr. is a CFP®-certified financial advisor with 29 years of industry experience. He is currently with Cetera and has held roles at Allied Wealth Partners and Securian Financial Services, among others. Moscatello is involved in community outreach as an officer of the College of NJ Wrestling Endowment Committee and owns an independent business called Independent Wealth Strategies. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors nationwide.

Nicole Monte is a Series 65-licensed financial advisor with Primerica Advisors, bringing 18 years of industry experience. She has been with Primerica Advisors since 2007 and also operates Joseph Michael Monte, LLC, an investment-related business. Outside of her advisory role, she is involved in referral activities for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm employs a curated third-party asset manager platform with a tiered wrap-fee structure and delegates trading responsibilities to BNY Mellon Advisors.

Marion Cuff is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at FSC Securities for over two decades, among other firms. Outside of advising, she serves as a trustee of the Seneca Lake Club, Inc., where she participates in governance and decision-making for the local lake association. OSAIC Wealth, Inc. provides services to a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage, investment advisory, financial planning, and retirement plan consulting. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to third-party money managers and alternative investments.

Daniel Richards is a CFP® professional with 36 years of experience in the financial industry. He has worked at Charles Schwab since 2019 and previously spent 25 years at Citigroup Global Markets. Richards holds Series 63 and Series 65 licenses and is based in Montville, NJ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab’s Center for Financial Research.

Stephen Galli is a CFP® with 23 years of industry experience, currently serving as a financial advisor with Cetera. His career includes roles at Avantax, Nisivoccia Wealth Advisors, and 1st Global Advisors. He is a board member of WJM Associates, a firm focused on executive coaching and development. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures.