Aryeh Teren is a financial advisor with Mass Mutual Investors Services in Lakewood, NJ, holding Series 63 and Series 66 licenses and three years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2017. Outside of advising, he owns Teren Financial LLC, focusing on insurance and securities sales and servicing. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers a range of asset management and educational programs.

Robert Drexel is a financial advisor at Fisher Investments with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Eagle Strategies, New York Life Insurance Company, and Persevere Wealth Strategies LLC. Drexel is also actively involved in insurance brokering for non-registered products on a limited basis. Fisher Investments serves a global client base comprising institutional and private investors, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to manage globally diversified portfolios with tax-aware and risk management strategies.

Barbara Fazio is a Series 66-licensed financial advisor with Morgan Stanley in Sea Girt, NJ, where she has worked since 2009. She has 24 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist clients, while generally acting in an advisory capacity.

Karen Warde is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Russ McNamara is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2016. He brings a comprehensive approach to his work, focusing on understanding his clients' objectives to help them develop personalized financial plans. Prior to his current role, he was a Vice President and Financial Consultant at Fidelity Investments from 2009 to 2016. His professional experience includes roles as Vice President and Branch Manager as well as Investment Specialist at Charles Schwab & Co. between 1995 and 2004, and Financial Consultant at Merrill Lynch from 1991 to 1995. He holds a California Insurance License. Outside of his professional duties, Russ enjoys family activities, fitness, golf, hiking, movies, and traveling.

Dylan Cole is a financial advisor at Cambridge Investment Research Advisors with six years of industry experience. He holds a Series 66 designation and has previously worked at Associated Financial Planners LLC, Vista Financial LLC, and New York City Business Group. Outside of advisory roles, he owns Cole Financial Services, which provides tax and insurance-related services. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of proprietary and third-party investment strategies tailored to client objectives.

Christopher Cevasco is a financial advisor with LPL Financial and holds the Series 63 and Series 66 designations. He has 31 years of industry experience, including 28 years at Cadaret, Grant & Co., Inc., and has been with LPL Financial since 2023. Outside of advising, he provides accounting and tax preparation services through his firm, Cevasco & Associates LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios from LPL Research and third-party subadvisors.

Christopher Kellett is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise Financial Services Inc and Intellectual Capital Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing various model portfolios and research from internal and third-party sources.

Michael Deliso is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley from 2014 to 2019 before joining Equitable Advisors in 2019. 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 LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Michael Ritacco is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. Outside of his advisory work, he serves on the boards of the Ocean County YMCA and the Ocean County Chamber of Commerce and is involved in several business ventures including fitness facilities and medical centers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering a range of investment management and financial planning solutions supported by in-house research and proprietary capital market models.

John Mendes is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 27 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience with Metlife Securities Inc. and New England Securities. Mendes is also an independent insurance agent specializing in life, accident, health, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations in collaborative, annual engagements.

Tony Kelly is a CFP® with 16 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at King Financial Network since 2015 and Commonwealth Financial Network from 2015 to 2025. Outside of his advisory work, he serves as Director of Financial Planning at King Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Jacob Rosenberg is a financial advisor with LPL Financial, holding the PFS™ and Series 66 designations and bringing 26 years of industry experience. He has worked at Cetera and Milvado Wealth Advisors and maintains a role at Bernath & Rosenberg, P.C., a tax preparation and accounting firm he has been involved with for over 40 years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial services, including discretionary and non-discretionary portfolio management supported by extensive research and technology.

Anthony Tomaro Jr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 12 years of industry experience. His prior firms include LPL Financial and IC Advisory Services Inc. He is involved in mortgage and non-variable insurance services through related business activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning and investment management through a network of independent Financial Professionals with a range of discretionary and non-discretionary strategies.

Gil Hazan is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2013. Prior to that, he was involved with GHG Suppliers LLC from 2019 to 2023. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Thomas Lucia is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. and New England Securities. Outside of his advisory role, Thomas serves as a notary public for the state of New Jersey. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual collaborative financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning and employer-sponsored programs.

Ashley Lucien is a financial advisor at Merrill with 16 years of experience, including 8 years at Bank of America, N.A. She holds a Series 66 designation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2012. Outside of finance, he was involved with Mordy's Smokehouse in 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

William Franko is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with MassMutual and its subsidiaries since 2017 and previously worked with ELANA advisory firms in 2016-2017. In addition to his advisory role, Franko owns and operates William Franko Tax and Accounting Services, providing tax preparation and accounting/bookkeeping services. 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 financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations focused on investment categories and strategies.

Anthony Liberatore is a Financial Consultant specializing in holistic financial planning. He holds the CERTIFIED FINANCIAL PLANNER® designation and works with individuals and families to develop tax-efficient investment strategies, retirement plans, income protection solutions, and long-term care planning. Anthony aims to serve as a lifelong resource not only for his clients but also for their extended networks. Anthony has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative, Investment Consultant, and Planning Consultant before his current position. His experience spans multiple facets of financial consulting, allowing him to provide comprehensive support tailored to his clients' needs. Outside of his professional responsibilities, Anthony has interests that include the beach, cars, concerts, movies, music, and pets.