Philip Prasad is a financial advisor at SPC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with SPC since 2006. His prior work includes roles at Sigma Financial Corporation and Banc Of America Investment Services, Inc. He also maintains various insurance appointments through multiple companies. SPC serves individual clients, charitable organizations, corporations, and employer-sponsored retirement plans through a network of over 460 advisors managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management tailored to client needs.

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 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 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.

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.

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.

Carl Demarco Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including 24 years at Hornor, Townsend & Kent and Penn Mutual. Outside of advising, he teaches adult education classes in financial planning at Richard Stockton University and serves as an officer on the NAC Executive Committee. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and employs third-party asset manager relationships with both discretionary and non-discretionary account options.

Alexander Stuart is a financial advisor with Integrated Wealth Concepts LLC, holding Series 66, 63, and 65 licenses and 13 years of industry experience. His prior roles include positions at Cantor Fitzgerald Investment Advisors, LPL Financial, and AXA Distributors. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management and financial planning, constructing customized portfolios that combine internal management with third-party asset managers while maintaining client assets with third-party custodians.

Peter Johnson is a CFP® with 12 years of industry experience, currently affiliated with Park Avenue Securities and Guardian Life Insurance Company. His prior roles include positions at Goldman Sachs & Co, Folio Investments, Inc., and Morgan Stanley Distribution, Inc. Park Avenue Securities serves a broad retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports a variety of account-level 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 at Guardian Life with 29 years of industry experience. He has held roles at both Guardian Life and its subsidiary Park Avenue Securities since 2011. Outside of his advisory work, he serves as a trustee for a family trust. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser owned by The Guardian Life Insurance Company of America. The firm provides financial planning, brokerage services, and investment advisory programs to individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and corporate clients.

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.

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.

Philip Yohannan is a financial advisor with Schwab Wealth Advisory, Inc., holding a Series 66 designation and 16 years of industry experience. Prior to joining Schwab in 2023, he worked at UBS Financial Services and Bank of America, including Merrill Lynch, Pierce, Fenner & Smith Inc. He is based in Freehold, New Jersey. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across a range of asset classes. The firm’s advice is delivered through Schwab’s proprietary asset allocation models and research tools, with final trading decisions made by clients.