Frank Senzino is a Series 66-licensed financial advisor with Morgan Stanley in Little Falls, NJ, with 19 years of industry experience. He has been with Morgan Stanley since 2014 and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he is involved with St Ann Church in Hoboken and is preparing to join its finance council to advise on financial matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and a broad suite of investment products.

Colin Flynn is a financial advisor at Fidelity with one year of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Fidelity, he worked at Flynn Advisory Group and has experience in both education and the food service industry, including roles at Loyola University Maryland, Cranford High School, and Bovella's Bakery Cafe. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

David Amato is a financial advisor at Cetera with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Kearny Bank, Prudential Insurance Company of America, and PNC Investments LLC, among others. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary options.

Henry Diiorio is a financial advisor with LPL Enterprise, holding a Series 65 designation and 42 years of industry experience. He has worked extensively with Prudential Insurance Company of America since 1974 and Pruco Securities, LLC from 1974 to 2024. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities, using a model-driven investment approach and offering access to third-party asset managers and wrap programs.

Daniel Greenwood is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and previously worked at OSAIC, American Portfolios Financial Services, and Equitable Advisors. Greenwood has also worked in education and corporate roles prior to his financial services career. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Dennis Profaca is a financial advisor with LPL Financial, holding a Series 63 designation and 28 years of industry experience. He has worked at Morristown Financial Group since 2007 and Linsco Private Ledger since 2006, with prior roles at Securian Financial Services and WS Griffith Securities. In addition to his advisory work, he serves as a health insurance broker for small businesses in New Jersey. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party subadvisors.

Gilbert Moscatello Jr. is a CFP®-certified financial advisor with 29 years of industry experience. He is currently with Cetera and has held roles at Allied Wealth Partners and Securian Financial Services, among others. Moscatello is involved in community outreach as an officer of the College of NJ Wrestling Endowment Committee and owns an independent business called Independent Wealth Strategies. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors nationwide.

Marion Cuff is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at FSC Securities for over two decades, among other firms. Outside of advising, she serves as a trustee of the Seneca Lake Club, Inc., where she participates in governance and decision-making for the local lake association. OSAIC Wealth, Inc. provides services to a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage, investment advisory, financial planning, and retirement plan consulting. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to third-party money managers and alternative investments.

Daniel Richards is a CFP® professional with 35 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent 25 years at Citigroup Global Markets. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by its research and due diligence on alternative investments.

James Ellowitch is a financial advisor at Osaic with 58 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior work includes positions at Lincoln Financial Advisors, SagePoint Financial, Inc., and International Planning Alliance, LLC. Outside of advising, he provides expert witness services on insurance-related matters. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through numerous advisory platforms and offers integrated brokerage, financial planning, and investment advisory services. The firm employs asset-allocation tools and risk-tolerance assessments to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Manny Pak is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. His prior roles include positions at Creative Financial Group and United States Liability Insurance Group. He has also worked in educational settings, including Eastern University and Fort Lee High School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, annual financial planning engagements using firm-approved analytical tools and supports various event-driven planning programs.

Stephen Galli is a CFP® with 23 years of industry experience, currently serving as a financial advisor with Cetera. His career includes roles at Avantax, Nisivoccia Wealth Advisors, and 1st Global Advisors. He is a board member of WJM Associates, a firm focused on executive coaching and development. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures.

Jake Von Halle is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities and Guardian Life Insurance Company of America. In addition to his advisory role, he operates the Von Halle Brokerage Group, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment solutions, combining advisory services with a broad platform that includes insurance, credit products, and institutional relationships.

Robert Hellwig is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities since 2009. Hellwig serves as a board member of the Unitas Caritas Foundation, a nonprofit supporting his alma mater, Immaculata High School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative planning engagements supported by firm-approved analytical tools and various event-driven planning services.

Nicholas Azzopardi is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized wealth management strategies tailored to their unique goals and priorities. Nicholas employs a relationship-driven approach to help clients navigate important financial decisions with clarity and confidence, focusing on long-term financial success. He earned his bachelor's degree from Wagner College, where he was a Division I lacrosse student-athlete, and later obtained his Master of Business Administration (MBA) from the same institution. Nicholas holds the Professional Investment Advisor (PIA) designation. A lifelong resident of Wayne, New Jersey, Nicholas values building lasting relationships within his community and is dedicated to providing personalized guidance and thoughtful strategies that help clients manage financial complexity and stay focused on their most important goals.

Scott Hosier is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since January 2001 and has held various leadership roles, including management positions in the Wayne office since 2007 and serving as Resident Director in the Upper Montclair office in 2011. In his current capacity, Scott focuses on helping clients navigate significant financial decisions by providing personalized strategies tailored to their priorities and goals. His areas of expertise include family wealth management strategies, managing new wealth, portfolio management services, and retirement income. Scott graduated with a Bachelor's degree from Wheaton College in 1993. He earned his Chartered Retirement Planning Counselor℠ (CRPC®) designation in August 2006 and holds several other professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott has also conducted seminars on topics such as estate planning services, retirement plan assets, and college 529 planning throughout northern New Jersey. Residing in Midland Park, New Jersey, Scott lives with his wife, Mary, and their four children: Jacob, Jillian, Karalyn, and Caleb. He has been actively involved in his community, serving as Chairman of the Board at Young Life Bergen County for over two years and coaching many of his children's sports teams. In his personal time, Scott enjoys music, photography, traveling, listening to podcasts, and spending time with his family.

Kathryn Mantell is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has previously worked with Avantax and 1ST Global Advisors. Outside of her advisory role, Mantell serves on the executive board and as treasurer for local Boy Scouts of America councils and is treasurer of the Randolph Area Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to individuals, retirement plans, corporations, and institutional clients. The firm provides a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Douglas Collins is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. Before joining Cetera in 2025, he worked for Avantax and 1st Global Advisors, and he has been a partner at Nisivoccia & Company, LLP since 2000. Collins serves on multiple boards, including the Deacon Family Foundation and The House of the Good Shepherd, and is an advisory board member for Lakeland Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies, with over $256 billion in assets under management and a network of more than 10,000 advisors.

Ottilia Stura is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 66 licenses. She has 24 years of industry experience, including previous roles at Raymond James Financial Services and Lakeland Financial Services. In addition to her advisory work, she is also a licensed insurance agent specializing in individual life/health and property/casualty products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes annual, collaborative planning engagements supported by firm-approved analytical tools and provides event-driven planning services such as divorce and estate settlement.

Eric Fareri is a financial advisor at MassMutual Investors Services with two years of industry experience. He holds a Series 66 designation and has worked at MassMutual Investors Services and Creative Financial Group since 2023. Prior to his financial advisory roles, he was employed at T-ROC Global and was affiliated with Monmouth University from 2019 to 2023. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and structured planning processes to offer recommendations focused on investment categories and strategies.