Brian Trause is a financial advisor with Equitable Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved in group benefits consulting through Athos Benefits Consulting. Equitable Advisors serves a broad client base including individuals, corporations, pension plans, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a mix of proprietary and third-party advisory models and offers services through a large network of investment adviser representatives.

Susan Hahn is a Series 66-registered advisor at Merrill with three years of industry experience. She previously worked at Wells Fargo Bank NA for five years and has periods as a homemaker between her financial services roles. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, and institutional investors using model-based and discretionary strategies constructed by internal and third-party managers.

Yonathan Youshei is a financial advisor at Morgan Stanley in Toms River, NJ, holding a Series 66 designation with less than one year of industry experience. His prior roles include positions at the Torah Academy of Boston, Johns Hopkins Business School, and Metropolitan Commercial Bank. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Alan Salowe is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 50 years of industry experience. His career includes long tenures at Securian Financial Services and Mid Atlantic Benefit Strategies, as well as ownership and leadership roles in several financial and business entities. He serves as a partner in fixed insurance sales and is a board member of a nonprofit foundation in Wall, New Jersey. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a nationwide network of independent advisors. The firm serves individual, institutional, and retirement plan clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Thomas Chiaravalloti is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked at Morgan Stanley & Co. LLC and Morgan Stanley DW Inc. Outside of his advisory role, he is involved in managing several rental property businesses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing more than 14,000 advisors.

Marilyn Delauro is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. She has worked at Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client information and risk tolerance to match clients with program models or discretionary managers, utilizing both proprietary and third-party solutions.

David Lo is a financial advisor at Equitable Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Equitable Advisors and its predecessor Axa Advisors since 2002. Outside of his advisory role, he is involved with various outside insurance carriers and Zenith Marketing. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and asset-management programs primarily through a network of Investment Adviser Representatives. The firm relies on third-party program sponsors and endorsed TAMPs for most advisory models and offers a range of investment products, including mutual funds, ETFs, separately managed accounts, and select alternative investments.

George Masefield is a financial advisor at Equitable Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2005, following prior work with Axa Advisors, LLC. Equitable Advisors serves a range of clients 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, utilizing both proprietary and third-party solutions.

Michael Difiore is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2011. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Laferriere is a Series 66-licensed financial advisor with LPL Financial and has 20 years of industry experience. Her prior roles include 12 years at CUNA Brokerage Services, Inc. and Cuna Mutual Insurance Society, as well as three years with U.S. Bancorp Investments, Inc. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Ryan O Keefe is a financial advisor with Cetera located in Manasquan, NJ. He holds a Series 66 designation and has been with Cetera and its affiliated entities since 2024. Prior to his advisory role, he worked in various capacities including in the food service industry and at The Catholic University of America. Outside of his advisory responsibilities, he is also involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Peter Pabon is a CFP®-designated financial advisor with 37 years of industry experience. He is currently with Cetera and has prior experience at Cetera Advisors LLC and Lincoln Investment Planning Inc. In addition to his advisory role, he is involved with SAFE HARBOR FINANCIAL LLC, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Michael Giblin Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 16 years of industry experience. His prior work includes roles at Allied Wealth Partners, Securian Financial Services, Minnesota Life Insurance, Bank of America, and Merrill. He is also registered as an agent/broker for fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, including access to third-party money managers and both discretionary and non-discretionary program structures.

Michael Sawyer is a financial advisor with Morgan Stanley who holds Series 63, Series 66, and Series 65 credentials and has 45 years of industry experience. He has been affiliated with Morgan Stanley and its related entities since 2003. Outside of advising, he is involved in managing real estate investments in Spring Lake, NJ, and Miami, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process using firm-approved tools and provides comprehensive investment services through its broad platform.

Ryan Roth is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Patriot Financial and Gambit Tax Planning. Prior to his advisory career, Roth served for over two decades at the Berkeley Township Police Department. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Nicholas Agostinacchio is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining LPL Financial in 2023, he worked for Merrill Lynch, Pierce, Fenner & Smith Inc. for 20 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Steven Higley is a Series 66–registered financial advisor with Equitable Advisors in Toms River, NJ, with 29 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a variety of third-party advisory models and providing ERISA fiduciary services for qualified plans.

Scott Rast is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has worked with firms including VOYA Financial Advisors and has operated Rast Financial Services since 2000. Outside of his advisory work, Rast is also a musician who performs at benefits, local taverns, and wineries. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, catering to diverse investment needs and program structures.

Rhonda Wind is a financial advisor with Cetera, holding Series 63, Series 65, and Series 66 licenses and possessing 33 years of industry experience. Her prior roles include positions at Morgan Stanley and Jalinski Advisory Services. Outside of her advisory work, she is employed as a store associate at Ralph Lauren and is a commissioned notary public. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting a diverse range of investment strategies and program structures.

Darrin Bradley is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior work includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, Allied Wealth Partners, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is involved with Certainty of Uncertainty, a financial advisory-related LLC. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering written recommendation reports through a centralized consulting team that integrates research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.