Richard Dworzak is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Benjamin F. Edwards & Company, Inc. since 2017. His prior roles include positions at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated. Outside of his advisory work, he acts as a power of attorney for his son's IRA. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and nonprofit organizations, offering a variety of investment strategies and advisory services with periodic strategic reviews and oversight from an Investment Strategy Committee.

Michael Mcclelland is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and bringing 11 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2014. Outside of his advisory role, he is involved in life insurance brokerage through multiple entities and has experience as a background actor in television and film. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Steven Horvath is a financial advisor at Equity Services, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Hornor Townsend and Kent, Inc., and Penn Mutual Life Insurance Company. Horvath is also the founder of Protection USA, a firm engaged in the sale and servicing of fixed insurance products. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently utilizes third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Dominic Carter is a financial advisor with NewEdge Advisors who holds Series 63 and Series 65 licenses and has two years of industry experience. His prior roles include positions at LPL Financial and Equitable Advisors. Outside of finance, he is involved with Friends Cafe in New Brunswick, NJ. 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 services including portfolio management, financial planning, and retirement consulting, utilizing multiple program structures and technology tools to support advisors and clients.

Nicholas Pontilena is a Certified Financial Planner® with 24 years of industry experience, currently practicing at Equity Services, Inc. since 2013. He is also affiliated with National Life Group and serves as an instructor teaching continuing education courses to insurance and SEC-licensed professionals. Pontilena is a member of the advisory board for the Stillman School of Business at Seton Hall University. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that combine long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Sean Obrien is an investment advisor representative with Kestra Advisory, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Kestra Advisory Services, LLC since 2016 and is the founder of O'Brien Wealth Management, LLC, which provides investment advisory services through Kestra. He serves on the endowment committee at Christian Brothers Academy, overseeing the management of their endowment fund. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms while serving clients such as large institutional investors and sovereign wealth funds.

Robert Bennett Jr. is a financial advisor with Janney Montgomery Scott who holds Series 63 and Series 66 designations and has 38 years of industry experience. He has been with Janney Montgomery Scott since 1990. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, and municipalities, offering brokerage services, financial planning, and multiple advisory programs.

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® with 33 years of industry experience, currently serving at Sanctuary Advisors, LLC. His prior experience includes roles at Sanctuary Securities and Wells Fargo, where he worked for over a decade combined. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a wide range of clients, including individuals, corporations, pension plans, trusts, estates, and charitable organizations. The firm supports its network of more than 400 independent investment adviser representatives with a variety of portfolio management options and employs multiple analytical approaches while acting as a fiduciary under written advisory agreements.

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 Primerica Advisors, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Park Avenue Securities, Bank of America, Merrill, UBS Financial Services, and Guardian Life Insurance Company. He serves on the Board of Trustees for the Somerset County 200 Club. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both transaction-based brokerage and fee-based advisory services along with financial and retirement-plan consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports a range of account-level services such as lending solutions and donor-advised funds.

Zachary Zenda is a financial advisor with NewEdge Advisors, holding a Series 66 credential and bringing 12 years of industry experience. Prior to joining NewEdge Advisors and LPL Financial in 2023, he worked for MassMutual Investors Services and MassMutual Life Insurance Company for a decade. Outside of his advisory role, he is a co-owner of Emeritus Wealth, LLC, a business entity for tax and investment purposes. NewEdge Advisors serves a diverse client base including individuals, trusts, pension plans, corporations, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management through a wrap fee program, employing a variety of analytic approaches and regular portfolio reviews.

Dimitrie Radinovic is a financial advisor at Rockefeller Financial LLC with three years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and Halstead Management Ltd. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, and institutional clients, offering portfolio management, financial planning, and brokerage services. The firm employs a Private Advisor model and a consolidated investment platform that provides discretionary and non-discretionary solutions across various asset classes.

David Suckey is a financial advisor with Primerica Advisors and holds Series 63 and Series 66 licenses. He has 25 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance since 1999. Outside of his advisory work, he is a passive investor in several Jersey Mike’s sub shops in North Lake, Texas. Park Avenue Securities LLC serves a broad retail client base with brokerage and advisory services, including financial planning and retirement consulting. The firm offers proprietary and third-party investment programs and a digital advice platform, managing approximately $15 billion in regulatory assets.

David Parsels is a financial advisor with Primerica Advisors, holding the ChFC® designation and a Series 63 license, with 23 years of industry experience. He has worked at Park Avenue Securities since 2002 and has been affiliated with Northeast Planning Corp and Guardian Life Insurance Company since 2000. Parsels also serves as a marketing consultant for Guardian Life Insurance Company. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing a range of proprietary and third-party investment strategies across discretionary and non-discretionary accounts.

George Steiner is a financial advisor at Mariner with 19 years of industry experience and holds a Series 65 credential. His prior work includes positions at Msec, LLC, Capital Analysts, Inc., Lincoln Investment, and various Mariner entities. Outside of his advisory role, he is a firefighter with the FDNY and serves as vice chair for the Manasquan Turkey Run, a local fundraising event. Mariner serves a diverse client base including individuals, trusts, pension plans, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and tax services. The firm employs a discretionary, customized portfolio approach supported by an Investment Committee and internal research, integrating tax and accounting services alongside typical portfolio management.

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.

Jonathan Hempstead is a financial advisor at Eagle Strategies (NY Life) with one year of industry experience. He holds Series 66 and Series 63 licenses and previously worked at AssuredPartners for five years. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and primarily manages its assets on a non-discretionary basis.

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.