Richard Pasick is a ChFC® credentialed financial advisor with 40 years of industry experience. He has been with Guardian Life and its subsidiary Park Avenue Securities for 10 years and has also operated Congilose & Associates since 1983. Pasick conducts Social Security workshops and provides coaching and education to agents on the sales process. He is affiliated with Park Avenue Wealth Management, a wholly owned subsidiary of The Guardian Life Insurance Company of America, which serves individuals, pension plans, charitable organizations, and corporate clients through brokerage services, financial planning, and a mix of proprietary and third-party investment advisory programs.

Richard Harris 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 worked with National Life Group, Equity Services Inc., and Maxwell Harris Co. since 2001. Outside of advisory services, he is an active insurance agent specializing in life, disability, long-term care, and health insurance. Equity Services, Inc. provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with various advisory platforms and frequently uses third-party asset managers and model portfolios.

Daravy Son is a financial advisor at Allworth Financial, L.P. with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for George McKelvey Co., Inc. for 21 years before joining Allworth Financial in 2024. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolio strategies, including core-satellite and specialized approaches, and incorporates technology to manage held-away retirement accounts.

Andrew Despotakis is a CFP® professional with nine years of industry experience, currently serving as an advisor at Mariner Wealth Advisors. His prior experience includes roles at Msec, LLC, CETERA Advisor Networks, and Wealth Enhancement Advisory Services. Outside of his advisory work, he owns Monument Fingerboards, a business that manufactures miniature skateboard products, and he is also a piano composer who publishes original piano content. Mariner Wealth Advisors serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs a discretionary, customized investment approach supported by an internal portfolio management team and integrates tax and accounting services alongside traditional portfolio management.

Steven Cucinelli is a financial advisor with Primerica Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been affiliated with Primerica Advisors and Guardian Life Insurance Company of America since 2010. Outside of his advisory role, he serves as President of Coastal LeTip and manages a youth soccer team with the Middletown Soccer Club Wave Black. Primerica Advisors is part of Park Avenue Securities LLC, which serves a diverse retail client base with brokerage and advisory services, including financial planning and retirement consulting. The firm offers proprietary and third-party investment programs and supports a range of account management options and lending solutions.

Logan Andreyko is a financial advisor with Guardian Life and holds the Series 66 designation. He has one year of industry experience, including roles at Guardian Life Insurance Company, Park Avenue Securities, and C & A Financial Group. He completed his studies at Michigan State University in 2024. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs. The firm offers both discretionary and non-discretionary advisory relationships and utilizes model portfolios from internal and third-party managers.

Jerome Pasichow is a financial advisor at Equity Services, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Guardian Life and Park Avenue Securities. Outside of his advisory role, he volunteers with the Econ Vitality Committee of the Metuchen Downtown Alliance, assisting local businesses with accessing public funds. Equity Services, Inc., operating 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 using a combination of long-term strategies and third-party asset managers, serving clients through both discretionary and non-discretionary arrangements.

Stanley Alterman is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He previously worked for American Portfolios Financial Services, Inc. for 20 years before joining Osaic in 2024. Outside of his advisory role, he is involved in nonprofit activities related to sailing education and serves as president of his condominium association. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and public entities. The firm offers a range of investment management and financial planning services through multiple program models, utilizing proprietary and third-party platforms.

Heather Barone is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and 20 years of industry experience. She has worked at EPA Financial Services since 1991, where she is also president and part owner, and has held positions at Ameriprise Financial Advisors and Cambridge Investment Research. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides advisory programs, technology, compliance, and practice-management support, enabling advisors to construct customized portfolios and access discretionary model portfolios managed by its Investment Management and Research team.

John Shibles is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. Prior to joining Commonwealth in 2017, he worked at Regal Securities for 11 years and Shibles Brothers LLC for 19 years. Outside of his advisory role, he is involved in commercial real estate management as a co-owner and executive of multiple entities in New Jersey. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing roughly $213 billion in client assets. The firm offers a broad adviser-support platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody/clearing services, enabling advisors to implement portfolios through both internal models and external platforms.

Rachel Cecere is a financial advisor at Equity Services, Inc. with five years of industry experience. She holds a Series 66 designation and has worked with Integrated Financial Concepts and National Life Group since 2020. Cecere is involved in pension education and special needs planning, focusing on helping public school employees and professionals with pensions. 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 combines multiple advisory platforms with a range of investment strategies and offers both discretionary and non-discretionary management options.

Michael Werthmuller is a financial advisor with Primerica Advisors and holds a Series 66 designation. He has experience working at Park Avenue Securities and Guardian Life Insurance Company since 2025, and previously worked at C&A Financial Group and Arbor Terrace. Outside of his financial career, he performs as a paid pianist at an assisted living facility. 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 both brokerage and advisory services with a range of investment strategies implemented through proprietary model portfolios, third-party managers, and a digital advice platform.

Angelo Ciacco is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with PNC Investments since 2011. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online Portfolio Solutions Strategist Digital Offering available by invitation to employees. The firm uses algorithm-driven risk assessments and delegates portfolio execution to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Kathleen Nolan is a financial advisor at AE Wealth Management, LLC with 28 years of industry experience. She holds the Series 63 and Series 65 credentials and has worked at firms including Global Financial Private Capital and Family Focus Private Wealth LLC. Nolan is also the president and owner of Family Focus Financial Group and serves as marketing director for Sage Tuition Rewards. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary management, financial planning, and consulting services.

Steven Foerschl is a financial advisor with Equity Services, Inc. He holds the ChFC® designation and Series 63 license and has 43 years of industry experience. His career includes long tenures at MetLife Securities Inc. and related firms since 1974, with his current roles at Equity Services, Inc. and Integrated Financial Concepts LLC beginning in 2017. 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 combining long-term investment strategies with options for shorter-term trading and specialized instruments.

Francis Detota is a financial advisor with Equity Services, Inc., holding a Series 63 designation and 17 years of industry experience. He has been with Equity Services since 2011 and is also an insurance sales agent affiliated with National Life Insurance. He serves on the advisory board of St. Benedict Roman Catholic Church and School, participating in monthly financial council meetings. Equity Services, Inc., operating as ESI Financial Advisors, offers financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms with both discretionary and non-discretionary management options and integrates long-term investment strategies with opportunities for specialized trading.

Nicholas Gargiulo is a Series 65-licensed financial advisor at Mercer Global Advisors Inc. with five years of industry experience. Prior to joining Mercer, he worked at KML Financial Services Group, LLC and Personal Financial Solutions LLC. Outside of finance, he serves as the Director of the Karate Program at Epic Gymnastics, a gymnastics and karate school. Mercer Global Advisors serves individuals, families, small business owners, and institutional clients by providing investment advisory, financial, tax, retirement, and estate planning services. The firm employs a Modern Portfolio Theory-based investment approach with diversified portfolios implemented through low-cost ETFs, index funds, separate account managers, and specialized programs.

Matthew Derby is a financial advisor with Primerica Advisors, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, Planning Alliance, LPL Financial, and Alcove Private Wealth. Park Avenue Securities serves a broad retail client base, offering brokerage and advisory services along with financial planning and consulting. The firm utilizes a range of investment strategies through proprietary and third-party model portfolios, supporting both discretionary and non-discretionary account management.

Drew Bukowiec is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Aon, the New York Jets, Deal Golf and Country Club, and Manhattan Bagel. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life Insurance Company of America, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement plan consulting, and investment advisory programs.

Jeanne Moir is a financial advisor with Primerica Advisors and holds a Series 66 designation, with 13 years of industry experience. She has worked at Guardian Life Insurance Company and Park Avenue Securities since 2004. Outside of her advisory work, she is involved in nonprofit and community activities, serving as a board member of Play2Win, president of the Coastal LeTip networking group, and founder of The Giving Back Forum, which organizes blood drives. Park Avenue Securities LLC serves a diverse retail client base including individuals, high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and fee-based advisory services, utilizing a range of proprietary and third-party investment strategies with options for discretionary and non-discretionary account management.