John Palmeri is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 11 years of industry experience. His career includes roles at MetLife Securities, MassMutual, and Guardian Life since 2014. Outside of advising, he owns MJJ Billiards LLC, a pool hall and game room in Staten Island, NY. Park Avenue Securities, a subsidiary of Guardian Life, provides brokerage and advisory services to individuals, corporations, retirement plan sponsors, and nonprofits. The firm offers a blend of advisor-led discretionary management and model-based strategies, along with access to insurance products and alternative investments.

James Muro is a CFP® and ChFC® with 34 years of industry experience. He is affiliated with Equity Services, Inc. and National Life Group, where he has worked since 2013. Muro is involved with The Objective Room, a website used for marketing purposes that offers financial services, literacy, and education. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to a diverse clientele including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm uses multiple advisory platforms and third-party asset managers to offer both long-term strategies and specialized investment options.

Christopher Paglia is a CFP® professional with 33 years of experience in the financial services industry. He is currently with Sanctuary Advisors, LLC and has held prior positions at Sanctuary Securities, Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and retirement plan consulting, employing a range of analytical approaches and acting as a fiduciary when advisory agreements are in place.

Joseph Scotti is a CFP® with 11 years of experience, currently serving at Equity Services, Inc. He has worked with National Life Group and Integrated Financial Concepts since 2015. Scotti is involved in educational initiatives related to pension and insurance topics, producing videos and providing guidance to professionals on retirement portfolios and pension planning. Equity Services, Inc., operating as ESI Financial Advisors, offers financial planning, consulting, and asset management services to a range of clients including individuals, corporations, trusts, and retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term strategies with options for shorter-term trading and specialized instruments.

Matthew Moore is a financial advisor with Park Avenue Securities, a subsidiary of Guardian Life Insurance Company of America. He holds a Series 66 designation and has three years of industry experience. Prior to his current role, he has held positions at Bank of America, Merrill, and UBS Financial Services. He serves on the Board of Trustees for The Somerset County 200 Club. Park Avenue Securities provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party platforms.

Zachary Zenda is a financial advisor with NewEdge Advisors, holding a Series 66 designation and 13 years of industry experience. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for a decade before joining NewEdge Advisors and LPL Financial in 2023. Outside of his advisory roles, he is a co-owner of Emeritus Wealth, LLC, a business entity for tax and investment purposes. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent investment adviser representatives. The firm offers a broad range of portfolio management and consulting services, supported by centralized due diligence, technology tools, and multiple program structures that integrate in-house and third-party manager strategies.

David Parsels is a ChFC® and Series 63 designated financial advisor with Guardian Life who has 24 years of industry experience. He has been associated with Park Avenue Securities and Northeast Planning Corporation since 2000. He also serves as a consultant providing marketing advice to Guardian Life Insurance Company. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client relationships through advisor-led discretionary management and model-based strategies, as well as access to proprietary and third-party advisory solutions.

Gerard St Cyr is a financial advisor with Eagle Strategies (NY Life) in Long Branch, NJ, holding a Series 66 credential and bringing 10 years of industry experience. His prior work includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of finance, he is an author of books on empowering women and wine, a founder of Women.Wise, and serves as a hockey referee for local clubs. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailored recommendations across various program types and manages a substantial portion of its assets on a non-discretionary basis.

John Flynn is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 licenses. He has 14 years of industry experience and has been with Equity Services, Inc. and National Life Insurance Co/Integrated Financial Concepts, LLC since 2015. Flynn is involved in educating public employees, including teachers, police, and firefighters, on retirement portfolio options and insurance products. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms using third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Nicole Toro is a financial advisor with TIAA-CREF in Red Bank, NJ, holding a Series 66 designation and 12 years of industry experience. She has been with TIAA-CREF and TIAA since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, frequently serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides a fiduciary standard across its RIA services and manages client portfolios using both model and customized approaches.

Christopher Howard is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 16 years of industry experience. He has been with Citigroup Global Markets since 2009. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution and custody services. The firm employs multi-asset, multi-manager strategies and utilizes internal standards and oversight committees to select and monitor managers, combining large institutional scale with specialized market roles.

Alexander Stuart is a financial advisor at Integrated Wealth Concepts LLC with 13 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has previously worked at firms including Cantor Fitzgerald & Co, OppenheimerFunds, and Lord Abbett. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with a long-term approach using mutual funds, ETFs, individual equities, and fixed income.

Peter Johnson is a financial advisor with Guardian Life and Park Avenue Securities, holding CFP® and Series 63 designations and bringing 13 years of industry experience. His career includes roles at Goldman Sachs & Co, Folio Investments, and Morgan Stanley Distribution. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, high-net-worth clients, retirement plan sponsors, nonprofits, and businesses. The firm offers personalized financial planning and investment management through proprietary and third-party platforms, with a range of operational and lending solutions integrated into its advisory services.

William Van Winkle is a financial advisor with Eagle Strategies (NY Life) in Red Bank, NJ, holding a Series 63 designation and over 43 years of industry experience. He has worked with Eagle Strategies since 2012 and has longstanding affiliations with Van Winkle Associates, Nylife Securities Inc., and New York Life Insurance, spanning multiple decades. Eagle Strategies serves a diverse client base that includes individual investors, defined contribution and benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with an emphasis on tailored recommendations and managing a substantial portion of assets on a non-discretionary basis.

Shane Rogers is a financial advisor with Guardian Life, holding Series 63 and Series 66 licenses and 29 years of industry experience. He has worked extensively within Guardian Life and its affiliates since 2011, with additional tenure at Park Avenue Securities. Rogers also serves as a trustee for a family trust. Guardian Life, through its subsidiary Park Avenue Securities, provides brokerage and investment advisory services to individuals, businesses, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party investment programs.

Anthony Ringston is a financial advisor at Equity Services, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equity Services since 2012. In addition to his advisory role, he has engaged in multiple insurance-related activities, including serving as a sales agent and director for several insurance and risk mitigation firms. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizing third-party asset managers and model portfolios to deliver both long-term and specialized investment strategies.

Elaine Freeman is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at JP Morgan Securities LLC, Farmers Financial Solutions, and Brooklyn Knight Insurance Brokerage. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs combined with broker-dealer execution and custody services. The firm is notable for its large institutional scale and unique market roles, including serving as a swap dealer and futures commission merchant.

Nicola Riverso is a CFP® and ChFC® with 32 years of industry experience, currently serving as a financial advisor at Equity Services, Inc. since 2016. He is also affiliated with Integrated Financial Concepts, LLC. Outside of advisory work, Riverso is involved with nonprofit organizations focused on raising awareness for medical conditions, including serving on the board of a nonprofit and chairing a donations committee for another. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to a diverse client base including individuals, corporations, trusts, estates, charitable organizations, and retirement plans. The firm offers multiple advisory platforms with a mix of long-term and shorter-term investment strategies, leveraging third-party asset managers and model portfolios.

Anthony Campanile is a financial advisor with Guardian Life in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Guardian Life since 2010. Campanile serves as a board member for the Deal Golf and Country Club and the nonprofit organization All In. Guardian Life’s subsidiary, Park Avenue® Wealth Management, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a blend of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, tailored financial planning, and access to insurance and alternative investment products.

William Spinner is a CFP® professional with 34 years of industry experience, currently affiliated with Integrated Wealth Concepts LLC since 2019. He previously worked at Lincoln Financial Advisors Corp. for 16 years. Spinner is also involved in conducting financial seminars through his own business activities. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans via a network of independent advisors. The firm provides discretionary investment management, financial planning, and family office services, utilizing customized portfolios with mutual funds, ETFs, equities, and fixed income, typically following a long-term investment approach.