V Kempson III is a CFP® professional with 41 years of industry experience, currently serving at OSAIC since 2024. His prior experience includes roles at American Portfolios Financial Services, Inc., Kempson & Tschopp, LLC, and Northwestern Mutual Investment Management. Outside of his advisory work, he is a musician and a 50% partner in Kempson & Tschopp LLC, which provides insurance, financial, and estate planning services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment process is centered on model-based asset allocation and portfolio optimization, with a broad set of program options and a significant platform scale supported by a complex affiliate network.

James Hundley is a financial advisor with LPL Financial, holding the PFS™ and Series 63 designations and bringing 32 years of industry experience. His background includes positions at Ic Advisory Services Inc, The Investment Center Inc, and HD Vest Insurance Agency Inc. Hundley is also a CPA and operates a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides advisory and brokerage services through a large network of representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 at Equitable Advisors with 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves on multiple nonprofit boards including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. Equitable Advisors serves individual and institutional clients by offering financial planning, retirement plan consulting, and asset management programs. The firm emphasizes matching clients to program models or discretionary managers and provides ERISA fiduciary services through credentialed Investment Adviser Representatives.

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.

Michael Flynn is a CFP® with 17 years of industry experience. He is currently with Edward Jones and previously worked at Peapack Gladstone Bank, The Prudential Insurance Company of America, and LPL Financial. Flynn serves as a board member of the Westfield Area YMCA, participating in committees focused on financial development, investment, and community engagement. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm is known for its extensive network of advisors and branches, as well as its fiduciary standard and comprehensive wealth management capabilities.

Kurt Schroeder is a CFP® professional with 35 years of industry experience, currently affiliated with LPL Financial. His work history includes prior roles at Private Portfolio Partners, LLC and American Portfolios Advisors, Inc. He is also involved in the sale and service of fixed life and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary investment strategies.

Debbi Wertheim is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 designations and has 23 years of industry experience. Her career includes long-term roles at M Holdings Securities and Greenberg & Rapp Financial Group. She also serves as a financial advisor with Eagle Rock Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, offering tailored, non-discretionary advice supported by analytical tools and a broad advisor network.

Thomas Whelan is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He has held roles at Cambridge Investment Research Advisors and Cambridge Investment Research since 2018, previously working at Signator Investors Inc and Guardian Life. Outside of his advisory work, Whelan serves as a finance board member for Spring Point Senior Living. Cambridge Investment Research Advisors serves both individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

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 licenses and bringing 34 years of industry experience. He has worked at Equitable Advisors since 1999, following his tenure at AXA Advisors, LLC. In addition to his advisory role, he maintains various outside insurance appointments. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers, emphasizing tailored investment solutions without sponsoring its own wrap fee program.

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 at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Banc of America Investment Services, Inc. and Quick & Reilly, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Deron Kennedy is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has worked at Equitable Advisors since 2013 and previously at AXA Advisors, LLC. Outside of his advisory work, he is involved in standardized test preparation as a college tutor. Equitable Advisors serves individuals—including both non‑high-net-worth and high-net-worth clients—pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and a variety of asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.