Joshua Espinoza is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Empower, Espinoza worked at Morgan Stanley and E*TRADE in various capacities. Outside of his advisory role, he is involved in a fireworks show and display business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm delivers services through an integrated model tied to its recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

George Leppert III is a financial advisor with Commonwealth Financial Network holding a Series 65 credential. He has experience running The Leppert CPA Group since 2025 and managing Leppert Holdings LLC since 2015. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm offers operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to construct client portfolios using various securities and insurance products.

Kevin Gallagher is a financial advisor with Empower Advisory Group in Stroudsburg, PA, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes positions at GWFS Equities, Inc. and Merrill. He also has a background that includes a role at Team 85 Fitness and Wellness and experience with Applied Energy Group and Rutgers University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to individual IRA and retail brokerage clients. The firm integrates planning and managed account solutions with Empower’s recordkeeping and administrative platforms, delivering services that focus on long-term portfolio returns and client savings rates.

Mary Reid is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds the Series 66 designation and has been with Citigroup since 2001. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Mary Beth Donas is a CFP®-certified financial advisor with 29 years of industry experience. She is currently with Private Advisor Group, LLC and LPL Financial LLC, joining both firms in 2022. Her prior experience includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of her advisory work, she is involved with Venjenz LLC, a business focused on human and pet supplements. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based model using a range of investment strategies and technology platforms, often implementing advice through third-party managers and turnkey asset management programs.

Shain Steffens is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and bringing 21 years of industry experience. He is co-owner of Steffens Financial Corp., a private entity facilitating securities, advisory, and insurance business. Outside of his advisory role, Steffens serves as an expert witness in legal matters. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of nearly 2,900 advisors and managing approximately $213 billion in client assets. The firm provides a wide range of managed-account programs, third-party asset manager access, and custodian services, combining in-house and outsourced portfolio management options.

Shawn Steffens is a financial advisor with Commonwealth Financial Network who holds a Series 66 designation and has 25 years of industry experience. He is co-owner of Steffens Financial Corp., where he has worked alongside his role at Commonwealth since 2014. Outside of his advisory work, he serves as a caregiver. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad advisory platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Michael La Rosa Jr. is a Series 66-registered advisor with Key Investment Services LLC, bringing one year of industry experience. His prior roles include positions at MissionSquare Investment Services, LPL Financial, and Citibank. Outside of advising, he serves as an adjunct instructor for undergraduate business courses at Southern New Hampshire University and volunteers as a community manager for a nonprofit focused on cancer and mental health causes. Key Investment Services LLC is an SEC-registered investment adviser offering portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans. The firm employs a multi-provider model with discretionary implementation and emphasizes non-discretionary asset management through various wrap programs.

George Fahy III is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 designations and possessing 27 years of industry experience. He previously worked at LPL Financial for 10 years before joining Ameritas in 2025. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment strategies and platforms, incorporating model portfolios, mutual funds, ETFs, and individual securities, alongside third-party technology and advisory resources.

Thomas Drongoski is a financial advisor with Edward Jones in Branchville, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at Prudential Investment Management Services LLC and PGIM Investments, LLC from 2013 to 2023. Outside of financial advising, he is also an owner and landlord of residential rental property. Edward Jones is a wealth management firm serving a broad range of clients, including individual, institutional, and charitable organizations. The firm offers various advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of advisors and branches.

Michael Sweeney is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Avantax Investment Services, Inc. He also owns John Sweeney Associates, a tax preparation and accounting business, and serves as treasurer for Freedom Christian Academy and Valley View Chapel. Cetera Investment Advisers LLC is an SEC-registered firm that supports a network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through various program platforms, allowing advisors to implement model portfolios, third-party managers, or custom strategies.

Troy Smith is a financial advisor with Ameriprise in Pen Argyl, PA, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. His career includes over two decades at Cetera and its affiliates before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its advisory approach, with a focus on assets held in Ameriprise-managed accounts.

William Newman is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Terence Wynne is a financial advisor with Edward Jones in Newton, NJ, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers various advisory programs, including managed solutions and separately managed accounts, and maintains a large national network of advisors and branch offices.

Vincent Troiano is a financial advisor with Primerica Advisors in Newton, NJ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 2000. Outside of advisory work, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

David Colon Jr. is an advisor with Primerica Advisors in East Stroudsburg, PA, holding Series 63 and Series 65 licenses and having two years of industry experience. He owns Better Tax Inc., a tax consulting business, and has worked at Primerica Financial Services since 2013 in various roles. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides support through BNY Mellon Advisors and Pershing for trade execution and custody.

Marc Lefurge is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and five years of industry experience. He previously spent ten years at The Investment Center Inc. In addition to his advisory role, he is the owner of Lefurge Financial LLC, a marketing business unrelated to investment activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals using a variety of portfolio management strategies and platform options.

Jeffrey Weekes is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 40 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. He serves as a board member for the College for Financial Planning and is a member of the Public Policy Council for the CFP Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analysis.

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.

Nicole O'Malley is a Series 66-registered financial advisor with Morgan Stanley, based in Stroudsburg, PA, with 17 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she owns Empowered Wellness Solutions, a business focused on Kambo, natural products, and related activities. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.