V Kempson III is a CFP® professional with over 41 years of industry experience. He currently works at OSAIC and has previous experience at American Portfolios Financial Services, Inc. and Kempson & Tschopp, LLC, where he is a 50% partner of a wealth strategies group focused on insurance, financial, and estate planning. Outside of finance, he is also a musician. OSAIC serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports multiple advisory platforms and legacy programs.

James Hundley is a financial advisor with LPL Financial, holding PFS™ and Series 63 designations and bringing 32 years of industry experience. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, and HD Vest Insurance Agency Inc. Hundley is also a CPA with over 30 years in accounting and tax preparation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs supported by model portfolios and research, combining discretionary and non-discretionary management approaches.

Austin Hynes is a financial advisor with Edward Jones, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory and investment services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Daniel Holdt is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he serves on several nonprofit boards, including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party managers and LPL programs. The firm operates a hybrid advisory and brokerage model, tailoring services based on client goals and risk tolerance.

Michael Hazen is a Series 66 licensed advisor with Merrill, based in Succasunna, NJ, and has three years of industry experience. His prior roles include positions at Bank of America, ConnectOne Bank, and Capital One Bank. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Oroho is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Investment Services, Nisivoccia Wealth Advisors, and Cadaret, Grant & Co., Inc., among others. Outside of financial advising, he serves on the board of a nonprofit corporation that owns local newspapers and is an elected board member at Centenary University. Cetera Investment Advisers LLC is a large, SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with a broad range of program options and over $256 billion in assets under management.

Ted Davis is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at RBC Capital Markets for 11 years before joining Stifel in 2020. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with a focus on fee-based financial planning. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Michael Lonergan is a financial advisor with Mass Mutual Investors Services in Morristown, NJ, holding the Series 63 designation and bringing 34 years of industry experience. He has worked with MML Investors Services since 1995 and with MassMutual Life Insurance Company since 1994. Outside of his advisory role, he is the owner of Somerset Hills Financial Services, a business focused on fixed annuities and group health. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Zachary Little is a Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 2018, holding roles that include Senior Portfolio Advisor. Zachary is recognized for building strong, enduring relationships with families, focusing on understanding their financial history, current situation, and future goals to support their journey toward financial freedom. Zachary's expertise encompasses areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA). He earned his Bachelor's degree in Finance from Rutgers University. Outside of his professional work, Zachary enjoys spending time with his family and engages in activities such as golf, fishing, baseball, cooking, football, hiking, pickleball, reading, and watching movies.

Steven Ornstein is a financial advisor with RBC Capital Markets in Randolph, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with City National Bank since 2018 and with RBC Capital Markets, LLC since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by a notable capital markets presence and affiliated asset management capabilities.

Michael Flynn is a CFP® with 17 years of industry experience, currently affiliated with Edward Jones since 2024. His prior roles include positions at Peapack Gladstone Bank, Prudential Insurance Company of America, and LPL Financial, LLC. He serves as a board member of the Westfield Area YMCA, participating in committees focused on financial development, investment, and organizational planning. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, supported by a large nationwide network of financial advisors and branch offices.

Kurt Schroeder is a CFP®-certified financial advisor with LPL Financial in Hackettstown, NJ. He has 35 years of industry experience, including roles at Private Portfolio Partners, LLC and LPL Financial. Schroeder is also involved in the sales and service of fixed life and health insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives. The firm offers a broad range of financial planning and advisory programs, including retirement plan consulting and model portfolio management, supported by research from LPL Research and third-party subadvisors.

Debbi Wertheim is a financial advisor at Raymond James Financial with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms, including M Holdings Securities and Capital Legal Group. Wertheim is also associated with Eagle Rock Wealth Management and Greenberg and Rapp as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports clients through advisory programs and institutional consulting services.

Thomas Whelan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at Cambridge since 2018 and previously spent 11 years at Signator Investors Inc. Whelan serves as a finance board member for Spring Point Senior Living. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and platforms tailored to client objectives.

Brett Comstock is a financial advisor with Ameriprise in Mendham, NJ, holding a Series 63 designation and 29 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of financial advising, he owns and operates Premier Tree Service, a tree removal and pruning business. Ameriprise provides retirement-income planning services targeting clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to support income planning. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

James Hughes is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he holds various insurance appointments. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, working extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

Matthew Chanda is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including Avantax Investment Services and Edward Jones. Outside of financial services, he has experience in the hospitality industry with roles at multiple establishments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, formal advisory roles to multiple registered investment companies, and integration of AI and algorithmic methods in its investment process.

Ronald Greenberg is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and 38 years of industry experience. He previously spent 21 years with M Holdings Securities, Inc. In addition to his advisory role, he is involved in entrepreneurial activities including ownership positions at Eagle Rock Wealth Management and Greenberg & Rapp Financial Group, and serves as a trustee of family trusts and a director on the M Financial board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers non-discretionary, tailored planning and consulting using analytical tools and supports a broad network of advisors with specialized services in municipal and public finance.

Heidi Wohlleb is a Series 66 licensed financial advisor with 18 years of industry experience. She currently works at Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, Inc., and Nisivoccia & Company, LLP, where she has been active since 1989. In addition to her advisory role, she is involved with several related financial services entities, including serving as an advisor at Nisivoccia & Company, LLC and owning Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, with access to both affiliated and third-party managers and various program structures.

Michael Pett is a financial advisor with Wells Fargo Clearing in Succasunna, NJ, holding Series 63 and Series 65 credentials and with 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.