Inyong Hwang is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Citibank NA for 13 years. Outside of his advisory role, he owns and manages a rental property in Cliffside Park, NJ. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs and combines large institutional scale with unique market roles and arrangements.

Nochum Wilner is a financial advisor with Guardian Life holding a Series 66 credential and 15 years of industry experience. He has worked extensively with Guardian Life and Park Avenue Securities over the past decade. Outside of his advisory role, Wilner provides tax preparation services through Wilner Wealth Strategists LLC and serves as secretary on the board of Congregation PNAM Inc. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm employs a combination of advisor-led discretionary management and model-based strategies, providing clients with access to proprietary programs, third-party solutions, and integrated insurance and alternative investment products.

Greg Schultheis is a CFP® with eight years of industry experience, currently affiliated with Carson Wealth. His career includes roles at firms such as Goldman Sachs & Co. LLC and The Ayco Company, L.P. He is based in Franklin Lakes, NJ. CWM, LLC operates an enterprise platform managing approximately $50.6 billion through over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that constructs and monitors model portfolios using both fundamental and technical analysis.

David Fuchs is a CFP®-certified financial advisor with nine years of industry experience, currently affiliated with Carson Wealth. His prior roles include positions at Advisors Capital Management, BNY Mellon Securities Corporation, and AXA Distributors. Outside of advising, he contributes to Nissim Tutoring Services by assisting in the creation of CFP exam study materials and lesson plans. Carson Wealth is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion under management. The firm serves corporate, institutional, and high-net-worth clients, offering discretionary asset management, financial planning, and retirement plan services through a model portfolio approach overseen by an Investment Committee.

Peter Gordinier is a financial advisor at Steward Partners Investment Advisory, LLC with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Raymond James Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. He is also involved with Ramapo Wealth Advisors as an independent contractor. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in regulatory assets. The firm serves a diverse client base including individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, and managed account services.

Fraj Lazreg is a financial advisor with Money Concepts Capital Corp in Dunkirk, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Money Concepts Capital Corp since 1993 and has also been associated with Columbian Mutual Life Insurance Company since 1986. Outside of his advisory role, Lazreg serves as treasurer for LCG Tax Services, LLC, and is an officer and owner of Integrity Family Resources Inc, an independent insurance agency focusing on Medicare products. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. With approximately 431 advisors managing around $3.33 billion for 14,700 clients, the firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage asset allocations and account rebalancing.

Donald Strangfeld is a financial advisor with Janney Montgomery Scott in Montvale, NJ, holding Series 63 and Series 66 licenses and having 33 years of industry experience. He has been with Janney Montgomery Scott since 1996. Outside of his advisory role, he serves as co-chair of the New Jersey Symphony Orchestra Board. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Scott Coopersmith is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds the Series 66 designation and has worked previously at American Portfolios Financial Services, Inc. and MSI Financial Services, Inc. In addition to advising, he is involved in tax preparation and divorce planning through his ownership of related private entities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody/clearing services, serving both individual and institutional clients.

Victor Cepeda is a financial advisor with TD Private Client Wealth LLC in Ramsey, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Allstate Insurance Co for 15 years before joining TD Bank N.A. and TD Private Client Wealth LLC in 2023. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, offering portfolio management, access to various investment vehicles, and financial planning support through a combination of affiliated and third-party sub-managers.

Nicholas Smerina is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2008. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and offers specialized solutions for high-net-worth clients alongside its institutional-scale operations.

Justin Cerritelli is a financial advisor with TD Private Client Wealth LLC, holding Series 66 and Series 63 licenses and 18 years of industry experience. His previous roles include positions at Bank of America, Merrill, Provident Bank, and LPL Financial. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth private, and retail clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Veton Kaba is a financial advisor at Creative Planning with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edelman Financial Engines, UBS Financial Services Inc., 1st Global Capital Corp., 1st Global Advisors, Inc., and Headquarters Advisory Group, LLC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that includes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Jay Day Jr. is a financial advisor at Janney Montgomery Scott with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Merrill Lynch and Morgan Stanley. Janney Montgomery Scott is a large dual-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, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Grady Powers is an advisor with Hightower Advisors holding Series 63 and Series 65 registrations. He has been in the industry since 2023 and has held roles at several firms and organizations, including RPA Advisors LLC and Quinnipiac University. Outside of his advisory work, he has experience with Fresh Prints LLC. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a variety of investment vehicles.

Robert Zigmond is a financial advisor at PNC Wealth Management with six years of industry experience. He has held positions within various divisions of PNC since 2018 and previously worked at The Vanguard Group. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees, which uses algorithm-driven risk assessments and approved investment strategies.

Thomas Crane is a financial advisor with Kestra Advisory Services, LLC and Crane Wealth Management Group LLC, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has been with Kestra Advisory since 2016 and has owned Crane Wealth Management Group since 2006. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers a range of services such as fiduciary consulting, plan design, and employee education, and manages approximately $79.8 billion in assets with capabilities extending to large institutional clients including sovereign wealth funds.

Roel Perez is a financial advisor at TD Private Client Wealth LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at TD Bank and TD Private Client Wealth since 2016. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, offering portfolio management, financial planning support, and custodial services through third-party custodians. The firm utilizes a combination of strategic and tactical asset allocation with investments from affiliated and third-party sub-managers.

Simon Mogg is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds the Series 63 and Series 66 licenses. Before his current tenure at Citigroup beginning in 2018, he worked at BNP Paribas from 2016 to 2018. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and brokerage services. The firm combines large institutional scale with specialized market roles, implementing multi-asset strategies through discretionary and non-discretionary programs.

Gregory Schmidt is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds a Series 66 designation and has been with Citibank, NA since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Samuel Katz is a CFP® and CPA with 32 years of industry experience. He is currently affiliated with Guardian Life and Park Avenue Securities, where he has worked since 2013 across several roles. Outside of his advisory work, Katz provides tax and accounting services for individuals, businesses, partnerships, and trusts, and serves as a trustee for a family life insurance trust. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies, digital advisory solutions, and integrated lending options, tailoring client relationships to meet diverse financial planning and consulting needs.