Walter Menendez is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Charles Schwab since 2008 and had a brief tenure at Merrill earlier that year. 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 offers both non-discretionary and discretionary investment options using multi-asset model portfolios, supported by centralized supervisory, custody, and order-routing arrangements.

Debra Downs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. She has a longstanding career that includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advisory work, she is involved in quoting, selling, and servicing property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and a range of insurance and trust services.

Stefan Papoutsoglou is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Cetera and its affiliated entities since 2005. In addition to his advisory role, he is a certified public accountant and proprietor at Omega Wealth Management, providing tax preparation and financial services. He also works as a tax accountant for Merck & Co. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers various portfolio management and financial planning services through a nationwide network of over 10,000 advisors and manages more than $256 billion in assets.

Robert Difabritis is a financial advisor at Cetera with 40 years of industry experience. He has held roles at Avantax Advisory Services and Avantax Insurance Agency over multiple decades and has operated his own firm, Robert DiFabratis & Co, since 1991. Outside of his advisory work, he is involved in tax preparation and financial statement preparation through his other business activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Brian Mckevitt is a financial advisor with LPL Enterprise, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior firms include Aegis Capital Corp., Gunnallen Financial, Inc., and Morgan Stanley Dw Inc. In addition to his advisory work, he is involved in offering Medicare supplement insurance and prescription drug plans through related business activities. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm emphasizes model-driven investment implementation using portfolios developed internally and by third parties, along with financial planning and access to third-party asset managers.

Adam Kay is a financial advisor at LPL Enterprise with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Pruco Securities, The Prudential Insurance Company of America, Ameriprise, and Equitable Advisors. Outside of his advisory role, Kay is a member of the United States Coast Guard Auxiliary. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Frank Leloia is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been helping clients since 2007. With over 30 years of experience as a registered representative and financial advisor, he focuses on providing personalized wealth management strategies tailored to each client's goals and risk tolerance. Frank specializes in areas such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Frank holds a Bachelor's Degree from the Pennsylvania State University System and carries the Personal Investment Advisor (PIA) designation. He works closely with clients' other professional advisors to provide comprehensive tax strategies and to assist in the development of estate plans. His approach emphasizes building lasting relationships based on trust, transparency, and exceptional service. Residing in Long Valley, New Jersey for the past 24 years with his wife Beth and their two children, Nick and Jack, Frank is committed to participating in the communities he serves. He dedicates time to volunteering with local organizations and enjoys personal interests including baseball, basketball, billiards, football, golfing, reading, spending time with family, and traveling.

Daniel Pilone is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 designations. He has 12 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. His other business activities include involvement in property and casualty insurance and health insurance sales. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach with access to third-party asset managers and offers financial planning, insurance products, and affiliated trust and lending services.

Russell Smith is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2012. Outside of advising, he owns The RCS Group, LLC, a financial planning business, and serves on the investment committee for Safe & Sound Somerset. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Mark Reisman is a financial advisor at Mass Mutual Investors Services with 20 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Edward Jones, Equitable Advisors, Bank of America, and Merrill. Reisman serves as Vice President of the Board of Trustees for the Commission on Accreditation for Home Care, a nonprofit organization. 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 annual planning relationships supported by firm-approved analytical tools and a range of specialized planning programs.

Richard Byank is a CFP® and ChFC® credentialed advisor with 21 years of industry experience. He currently works at Cetera and previously spent 19 years at Ameriprise Financial Services. He also has an active role as a Wealth Management Advisor with Wealthspring Financial Partners LLC, providing financial planning and portfolio management services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Nastassia Pogrebniak is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. since 2024. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Frank Dolce is a financial advisor at RBC Capital Markets with 36 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and City National Bank before joining RBC. Outside of his advisory role, Dolce serves on the advisory board of the Lake Mohawk Golf Club and is involved with several non-investment business ventures in environmental consulting and acting employee leasing. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with flexible portfolio management options that incorporate both in-house and third-party investment managers, alongside services such as financial planning, custody, and brokerage.

Michael Vesuvio is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 63 license and bringing 41 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co. since 1998. Outside of his advisory role, he owns and manages businesses in insurance sales and holds interests in LLCs that manage personal property. Mass Mutual Investors Services, LLC is an SEC-registered broker-dealer and investment adviser subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual financial planning using firm-approved tools and offers specialized programs for asset management and event-driven planning.

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.

Craig Russ is a financial advisor with LPL Financial in Bedminster, NJ, holding Series 63 and Series 65 credentials and 32 years of industry experience. His prior work includes roles at Ameriprise Financial Services, Merrill, Banc of America Investment Services, and J.B. Hanauer & Co. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering financial planning, portfolio management, and institutional services through a network of over 22,800 advisors. The firm supports a broad range of strategies and combines advisory offerings with non-advisory financial services and technology tools.

Michael Soberman is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2013. He has 14 years of industry experience. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work using proprietary research and model-based asset allocations tailored to client goals and risk tolerances.

Robert Skuba is a financial advisor with LPL Financial in Mendham, NJ, holding Series 63 and Series 65 licenses and over 35 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation for five years and has operated Robert Skuba Accounting since 1980. Outside of his advisory work, he is involved in mortgage and real estate services through the Crossen Agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services supported by extensive operational and research tools, overseeing over $819 billion in discretionary assets through a large network of independent advisors.

Paul Stevens is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 2001 and holds the Series 63 and Series 65 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor investment strategies.