William Gallagher is a CFP® professional with 21 years of experience in the financial services industry. He is currently with Wealth Enhancement Advisory Services, LLC and has previously worked at firms including Zynergy Retirement Planning, Facet Wealth, and Millington Securities, Inc. Gallagher’s background also includes roles outside traditional advisory firms, such as a position at Amazon. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and a range of program offerings such as no-transaction-fee mutual funds, ETF model portfolios, and specialized retirement plan consulting.

Justin Siracusa is a financial advisor at Primerica Advisors with a Series 66 designation and one year of industry experience. He has worked at Park Avenue Securities, Guardian Life Insurance Company, and Northeast Financial Network since 2025. Outside of finance, he is the finance and operations manager for Babysitters R Us LLC, a babysitting services company based in Staten Island, NY. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services along with financial planning and consulting. The firm employs proprietary and third-party investment strategies and supports various account-level services, managing approximately $15 billion in regulatory assets under management.

Edward Schuler Jr. is a ChFC® credentialed financial advisor with 37 years of industry experience. He is currently with Kestra Advisory and has previous experience at Woodbury Financial Services Inc and OSAIC. Outside of advising, he serves on the board of a nonprofit organization, A Need We Feed, contributing to governance and oversight. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, and employee education, managing approximately $79.8 billion in assets and serving large institutional investors including sovereign wealth funds.

Stacy Hoffman is a financial advisor with Eagle Strategies (NY Life) based in Old Bridge, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. Her prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. In addition to her advisory work, she is involved as a distributor and health coach with Isagenix, a health and wellness company. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with a focus on tailored recommendations and primarily non-discretionary asset management within an integrated New York Life affiliate structure.

Kristin Hovmiller is a financial advisor with Principal Financial Services and holds Series 63 and Series 66 credentials, with 24 years of industry experience. She has been with Principal Financial Services and Principal Life Insurance Company since 2001. Kristin also serves as a bank/trust officer to support and manage Principal retirement plan account relationships across insurance, broker-dealer, and bank/trust offerings. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions through direct advisory programs.

Kevin Willett is a financial advisor at Oppenheimer with 36 years of industry experience. He has been with Oppenheimer since 2005 and previously worked at Morgan Stanley DW Inc. from 2002 to 2005. He holds Series 63 and Series 65 designations. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, pooled investment vehicles, and IRAs. The firm offers a broad range of advisory programs delivered on discretionary and non-discretionary bases, with services spanning equity, balanced, and fixed-income portfolios using strategic and tactical asset allocation, manager selection, and portfolio reviews.

Craig Jantz is a financial advisor with Oppenheimer, holding Series 63 and Series 66 designations and bringing 41 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Merrill. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of programs including asset management and financial planning, providing both discretionary and non-discretionary advisory services across various portfolio strategies.

Margaret Antoniello is a financial advisor with Equity Services, Inc. in Red Bank, NJ, holding a Series 63 credential and over 22 years of industry experience. She has been with Equity Services and National Life Group since 2011. Antoniello is involved in nonprofit activities, including volunteering and committee work with the American Cancer Society and mentoring students at Saint Joseph’s University. 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, often utilizing third-party asset managers and model portfolios, combining long-term investment strategies with options for shorter-term trading and specialized instruments.

Chirag Savalia is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Red Bank, NJ, holding a Series 66 license and having 12 years of industry experience. He has worked at Equity Services since 2016 and is also a founding partner and chief strategist at Afton Financial Group. Equity Services, Inc. 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 and utilizes third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Michael Keating is a financial advisor at Schwab Wealth Advisory with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at BLACKROCK for 17 years before joining Schwab Wealth Advisory and Charles Schwab & Co., Inc. in 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients. The firm uses standardized asset-allocation models and internal research tools to guide investment selection, with client authorization required for all trades.

Justin Pagan is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Citigroup since 2015. Outside of his advisory role, he serves as Marketing Manager for Jade Management Services LLC, a medical management company focused on cosmetic medical services. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm’s scale and market roles include in-house research, derivatives and futures services, and bespoke solutions for large clients.

Damon Gruss is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 25 years of industry experience, including roles at Park Avenue Securities LLC and Guardian Life Insurance Company of America since 2001. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and consulting, utilizing a range of proprietary and third-party investment strategies across various account types.

Justin Paine is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has held positions at Metropolitan Life Insurance Company and Mass Mutual Investors Services and has been with Equity Services since 2017. Paine is also involved in providing health, life, and property & casualty insurance solutions through his own firm, DFP LLC, and serves as a broker and consultant for insurance products. Equity Services, Inc. offers financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, utilizing multiple advisory platforms and third-party asset managers to implement primarily long-term investment strategies alongside options for shorter-term trading.

Michael Marino is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at National Life Insurance Company and Equity Services, Inc. since 2015. In addition to his advisory work, Marino is involved in educating professionals and municipal employees on retirement portfolios and insurance products through roles with several pension and insurance education organizations. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering various advisory platforms that include both discretionary and non-discretionary management, often utilizing third-party asset managers and model portfolios.

James Glass is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Red Bank, NJ, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at J.P. Morgan Securities, Santander Securities, Merrill, and Bank of America. He also holds a role as a sales agent with Integrated Financial Concepts LLC / National Life Insurance Company. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering multiple advisory platforms that utilize third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Michael Koutsoudakis is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Paulson Investment Advisors LLC, Paulson Investment Company, LLC, and Morgan Stanley. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage account holders. The firm’s approach integrates financial planning with recordkeeping and administrative platforms, emphasizing long-term portfolio returns and client savings rates.

Anthony Dibisceglie is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He has been with Citigroup Global Markets Inc. since 2013 and holds Series 63 and Series 65 licenses. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with notable institutional scale and unique market roles.

Michael Pandolpho is a financial advisor with Primerica Advisors, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has worked with Park Avenue Securities and Guardian Life Insurance Company since 2008. Outside of his advisory role, he serves as a notary public and works as a card dealer at Casino Night events. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services with a variety of investment programs, combining proprietary portfolios, third-party managers, and digital advice solutions.

Justin Bennett is a financial advisor with Guardian Life based in Little Silver, NJ. He holds Series 63 and Series 65 licenses and has 19 years of industry experience. Bennett has worked at Guardian Life and its affiliates since 2009 and previously at Ferrara Financial and Northeast Planning Corporation. Outside of his advisory role, he is involved with the BeThenDo Foundation, a family foundation providing training for educators. He is affiliated with Park Avenue Securities LLC, a subsidiary of Guardian Life, which offers brokerage and investment advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients through a variety of proprietary and third-party programs.

Richard Zangara is a financial advisor at &PARTNERS with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Pruco Securities Corporation. Outside of his advisory role, he serves as chairman of the North Brunswick Planning Board and the North Brunswick Democratic Organization. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, foundations, universities, trusts, private businesses, and corporations. The firm offers investment management, financial and tax planning, and retirement-plan services using a combination of fundamental, technical, and quantitative analysis across proprietary and third-party strategies.