Laura Reeves is a CFP® professional with 29 years of industry experience, currently affiliated with Cetera. She previously held roles at Avantax Insurance Services and Kami Zonin and is the owner of LJR Financial LLC. Outside of her advisory work, Reeves serves on the Board of Directors for the Financial Planning Association, where she helps coordinate the annual conference. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of investment management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Nicholas Siliverdes is a financial professional at Cetera with a Series 66 designation and one year of industry experience. Prior to his current role, he worked in entertainment-related positions at Shark Tank, Sony Pictures, and MGM Studios in 2022. Outside of finance, he has been involved with Party Perfect Rentals, a business he worked with intermittently from 2019 to 2025. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large nationwide network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary program options.

Linda Gargano is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. She previously worked at BNY Mellon for 24 years before joining Cetera and also has a role as a registered administrative assistant at Frank A. Gargano, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

James Giordano is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Sorrento Pacific Financial, OceanFirst Bank, and Securian Financial Services. Giordano is also involved with Coastal Accounting Services LLC, providing tax preparation and accounting 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.

Andrew Greenberg is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Cetera Advisors LLC since 2022 and prior experience at First Allied Advisory Services, Inc. and First Allied Securities Inc. He is an independent contractor with LPA Strategic Capital. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that provides access to affiliated and third-party managers, accommodating a range of investment program structures.

Vincent Cacciolo is a financial advisor with Merrill and holds a Series 66 designation. He has five years of industry experience, including roles at Bank of America, N.A. since 2021 and Merrill since 2019. Prior to his current positions, he worked with Battleground Country Club and the International Planning Alliance. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and institutional investors. The firm uses model-based and discretionary strategies developed by its Chief Investment Office and third-party managers, offering a range of investment solutions including tax-aware strategies and customized investment restrictions.

Donna Feldman is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Mark Loevinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The Loevinger Group, which focuses on building enduring client-advisor relationships through objectivity and ongoing dialogue. The team specializes in wealth management for high-net-worth individuals and corporate 401(k) and employee benefit services, including expertise in complex benefit plans. Mark and his team customize wealth management strategies to help clients pursue financial goals, often collaborating with clients’ tax and legal advisors on tax-efficient planning. They regularly review plan progress to ensure alignment with clients’ objectives, utilizing the full range of Merrill Lynch resources and specialists to deliver comprehensive and customized financial solutions. Mark has been with Merrill Lynch since 2011 and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Beth Medrash Govoha. Mark is active in his community, volunteering with organizations such as Chai Lifeline and Nesivos. He resides with his family in Ocean County, New Jersey. His client focus areas include divorce transition planning, executive compensation, endowment and foundation services, defined benefit and contribution plans, liquidity management, managing new wealth, portfolio management, small business strategies, and tax minimization. Mark’s approach involves leveraging the combined investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to help clients achieve their financial goals.

Christopher Urso is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 39 years of industry experience. He previously worked at Cuso Financial Services, J P Turner & Company Capital Management, and Ifmg Securities. Outside of advising, Urso serves on the board of the James T. Reedy, Sr Scholarship Fund and is involved in artistic and musical business ventures. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Anne Kraljic is a financial advisor with OSAIC, holding a Series 66 designation and 25 years of industry experience. Her career includes roles at Merrill, Invest Financial Corp., and Securities America Advisors before joining OSAIC in 2024. She serves on the boards of several nonprofit organizations, including Caregiver Volunteers of Central Jersey, 21 Plus, and the Ocean County College Foundation, where she is also a member of the finance committee. Additionally, she works as a group fitness instructor at the OCYMCA. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by tools like risk-tolerance questionnaires and efficient frontier analysis, allowing advisors to implement various managed strategies and third-party manager selections.

Francis Mara Jr. is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has four years of industry experience with prior roles at firms including Napier Park Global Capital and Summit Financial. Outside of financial services, he was involved with Mr. Happy Party Rentals in 2020. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, focusing on collaborative, annual financial planning engagements.

Michael Andrieu is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently with Morgan Stanley, having worked previously at UBS Financial Services for 11 years. Outside of his advisory role, he is a partner at Pop Sports Nutrition, a nutrition and weight loss service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis.

Kaitlyn Galgano is a CFP® professional with four years of industry experience, currently serving as a financial advisor at UBS Financial Services. Her prior roles include positions at Regulus Financial Group, Smallwood Wealth Management, Bloomberg, T. Rowe Price, and Wells Fargo Advisors. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Charles Ringwald is a Series 66-licensed financial advisor with 13 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has roles at MassMutual Life Insurance Company and Creative Financial Group of New Jersey. Outside of his advisory work, he serves as an elected member of the Monmouth County Republican Committee. MassMutual 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 financial planning engagements supported by proprietary software and educational seminars.

Daniel Monzi is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has previously worked at LPL Financial LLC, Ameriprise Financial Services, Inc., McAdam LLC, and Purshe Kaplan Sterling Investments. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a wide range of investment programs and maintaining a complex network of affiliated entities.

William Fence is a financial advisor with LPL Financial, holding a Series 66 designation and 35 years of industry experience. His prior work includes 17 years at American Portfolios Financial Services, Inc., and more than three decades at K & R Tax And Financial Service. He also operates Fence Financial Tax Services LLC, which provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, supported by advisor-facing tools and a broad non-advisory financial services platform.

Jesteffer Annichiarico is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2024, Annichiarico worked at Bank of America, N.A. and Merrill from 2018 to 2024 and started their career at Walmart Inc. from 2015 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Darren Armetta is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 66 designation and has worked at major firms including Bank of America, Merrill, and Equitable Advisors prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative manager due diligence with forward-looking capital market assumptions and employs a selective range of eligible investment strategies.

Christopher Kostecki is a CFP® with 20 years of experience in the financial services industry, currently serving at J.P. Morgan Securities since 2012. Prior to this, he worked at Wells Fargo Clearing. Outside of his advisory role, he co-owns Vintage Moments LLC, a china tableware rental company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm uses a research-driven process supported by centralized due diligence and offers broader derivatives and commodities capabilities relative to many institutional advisory programs.

Joann Charney is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. She has been with Bank of America and Merrill since 2006. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.