Nina Talao Pazymino is a financial advisor with Empower Advisory Group in Bayonne, NJ, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her prior roles include positions at GWFS Equities, Prudential Investment Management Services, The Prudential Insurance Company of America, and Pruco Securities. She also serves as the Religious Education Director at St. Henry Roman Catholic Church, where she assists in managing and implementing religious education programs. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and select retail brokerage clients, delivering services through a model integrated with Empower’s recordkeeping and administrative platforms.

Virendra Tavathia is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including MassMutual Life Insurance Co and Woodbury Financial Services. Tavathia is also the managing owner of Amogh Associates LLC, an independent insurance agency specializing in life, health, and related insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers both advisory and broker-dealer services, with a focus on tailored investment strategies supported by third-party asset managers.

David Parsels is a ChFC® and Series 63 designated financial advisor with Guardian Life who has 24 years of industry experience. He has been associated with Park Avenue Securities and Northeast Planning Corporation since 2000. He also serves as a consultant providing marketing advice to Guardian Life Insurance Company. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and 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 provides tailored client relationships through advisor-led discretionary management and model-based strategies, as well as access to proprietary and third-party advisory solutions.

Bruce Hyde is a Series 65-licensed financial advisor with 14 years of industry experience. He has worked at Cerity Partners LLC since 2022 and previously spent 10 years at Round Table Wealth Management. Based in Westfield, NJ, Hyde provides wealth management services through Cerity Partners. Cerity Partners serves a diverse client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in assets as of December 31, 2025. The firm’s investment approach combines client-specific profiles, proprietary quantitative screening, and customized asset allocation, offering a range of services from discretionary investment management to access to alternative and private market solutions.

Pai Yen Chung is a CFP® professional with over 31 years of experience in the financial industry. He has been with Transamerica Financial Advisors since 2012 and has held roles with several other firms including Clearwater Benefits, Elite Advisors, Inc., and WFGIA. He is involved in managing an office through Mission Team, LLC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a range of advisory and broker‑dealer services, utilizing proprietary and third‑party investment models with discretionary and non-discretionary program options.

Julian Montaque Williams is a financial advisor at PNC Wealth Management with seven years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at TD Bank N.A., TD Private Client Wealth LLC, and HSBC Securities (USA) Inc. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account that uses algorithm-driven risk assessment and invests in mutual funds and ETFs.

Scott Hirsch is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Valic Financial Advisors since 2015 and also holds a position at Agia involving non-securities insurance products. Valic Financial Advisors, Inc. is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management and financial planning services through a large network of advisors, utilizing discretionary unified managed accounts and centralized technology to manage approximately $29.2 billion for nearly 300,000 clients.

Komal Desai is a financial advisor with Steward Partners Investment Advisory, LLC and holds the Series 66 designation. She has 18 years of industry experience, including 18 years at Merrill before joining Steward Partners in 2023. Steward Partners Investment Advisory, LLC is an enterprise-scale, SEC-registered RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, and managed account services.

John Flynn is a financial advisor with Equity Services, Inc. and holds Series 63 and Series 65 licenses. He has 14 years of industry experience and has been with Equity Services, Inc. and National Life Insurance Co/Integrated Financial Concepts, LLC since 2015. Flynn is involved in educating public employees, including teachers, police, and firefighters, on retirement portfolio options and insurance products. 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 using third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Nicole Toro is a financial advisor with TIAA-CREF in Red Bank, NJ, holding a Series 66 designation and 12 years of industry experience. She has been with TIAA-CREF and TIAA since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, frequently serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides a fiduciary standard across its RIA services and manages client portfolios using both model and customized approaches.

Abraham Strum is a financial advisor at Citizens Securities, Inc. with 13 years of industry experience. He previously worked for Prudential Insurance Company of America and Pruco Securities, LLC for a decade. Outside of his advisory role, he owns seasonal rental properties in Maine. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides both digital and managed account advisory programs and is wholly owned by Citizens Bank, N.A.

Christopher Howard is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 16 years of industry experience. He has been with Citigroup Global Markets since 2009. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution and custody services. The firm employs multi-asset, multi-manager strategies and utilizes internal standards and oversight committees to select and monitor managers, combining large institutional scale with specialized market roles.

Angela Folit is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ. She holds Series 65 and Series 63 credentials and has 12 years of industry experience, including roles at Valic Financial Advisors since 2015 and Agia since 2022. Outside of advisory work, she is involved with Agia as an agent for non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts via Envestnet’s platform and applying centralized technology and model solutions.

Steven Criscuolo is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors Inc., BFS Wealth Management, and LPL Financial. Outside of his advisory work, he is involved with the Academy for Continuing Professional Education as a sponsor of CPA continuing education. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, utilizing a strategic investment process that combines passive and active managers guided by an internal Investment Committee.

Carlos Cadavillo is a financial advisor with Transamerica Financial Advisors in Edison, NJ. He holds the Series 63 and Series 66 credentials and has four years of industry experience. Prior to joining Transamerica, he worked at Wfgia and A.F. Paredes & Co. CPAs, and he spent 25 years at Philips Lighting Co. Transamerica Financial Advisors serves a wide range of clients including individual investors, pension plans, trusts, and corporations. The firm offers advisory and broker-dealer services with access to proprietary and third-party model portfolios, managing approximately $1.66 billion in discretionary assets as of the end of 2025.

Peter Johnson is a financial advisor with Guardian Life and Park Avenue Securities, holding CFP® and Series 63 designations and bringing 13 years of industry experience. His career includes roles at Goldman Sachs & Co, Folio Investments, and Morgan Stanley Distribution. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, high-net-worth clients, retirement plan sponsors, nonprofits, and businesses. The firm offers personalized financial planning and investment management through proprietary and third-party platforms, with a range of operational and lending solutions integrated into its advisory services.

William Van Winkle is a financial advisor with Eagle Strategies (NY Life) in Red Bank, NJ, holding a Series 63 designation and over 43 years of industry experience. He has worked with Eagle Strategies since 2012 and has longstanding affiliations with Van Winkle Associates, Nylife Securities Inc., and New York Life Insurance, spanning multiple decades. Eagle Strategies serves a diverse client base that includes individual investors, defined contribution and benefit plans, as well as charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with an emphasis on tailored recommendations and managing a substantial portion of assets on a non-discretionary basis.

Shane Rogers is a financial advisor with Guardian Life, holding Series 63 and Series 66 licenses and 29 years of industry experience. He has worked extensively within Guardian Life and its affiliates since 2011, with additional tenure at Park Avenue Securities. Rogers also serves as a trustee for a family trust. Guardian Life, through its subsidiary Park Avenue Securities, provides brokerage and investment advisory services to individuals, businesses, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to proprietary and third-party investment programs.

Cai Chen is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY. He holds Series 65 and Series 63 designations and has 19 years of industry experience. Chen has been affiliated with New York Life Insurance Company since 2008 and NYLIFE Securities LLC since 2009, joining Eagle Strategies in 2026. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored advice delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Anthony Ringston is a financial advisor at Equity Services, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equity Services since 2012. In addition to his advisory role, he has engaged in multiple insurance-related activities, including serving as a sales agent and director for several insurance and risk mitigation firms. 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, frequently utilizing third-party asset managers and model portfolios to deliver both long-term and specialized investment strategies.