Paolo Cerri is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Santander Securities, LLC, Santander Bank, NA, Family First Funding, and C&J Partnership. He is based in Princeton, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product options such as insurance-related vehicles and bank deposit sweep programs.

Maryann Chibbaro is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling as part of its comprehensive service approach.

Scott Nadle is a financial advisor with Charles Schwab holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2022, following a 15-year tenure at BlackRock Investments, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and formal due diligence processes for alternative investments.

Mahul Balar is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 19 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved as a member of several LLCs that focus on real estate investment and analysis. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Jessica Ovrutsky is a financial advisor at RBC Capital Markets with 12 years of industry experience. She holds the Series 66 designation and previously worked at UBS Financial Services Inc. for 10 years before joining RBC in 2021. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ Advisory Risk Profiles and utilizing a combination of in-house and third-party investment managers.

Diane Hart is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 20 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and operates Hart Financial Services, a sole proprietorship providing non-CPA accounting and tax preparation services. Hart is also a volunteer member of Friends of Brick, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser with a network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Anthony De Lucia III is a financial advisor with Ameriprise in Trenton, NJ, holding a Series 63 designation and 31 years of industry experience. He has been with Ameriprise and its predecessor firms since 1994. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach, delivering these recommendations through a centralized consulting team in partnership with client advisors.

Jimmy Leong is a financial advisor with Cambridge Investment Research Advisors in Freehold, NJ, holding the ChFC® designation and Series 63 and 65 licenses, with 34 years of industry experience. His prior work includes roles at J.P. Morgan Securities and Equitable Advisors. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio management options and employs both proprietary and third-party investment strategies tailored to client objectives.

Allen Laster is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at R. Neuhaus & Associates LLC and has experience in education and community roles. He also supports a family daycare business by managing its finances. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

James Toth is a financial advisor with Mass Mutual Investors Services who holds the ChFC® designation and Series 63 license, and has 41 years of industry experience. He has been with Mass Mutual Life Insurance Company since 1998 and MML Investors Services, Inc. since 1988. Outside of his advisory role, he is involved in life and health insurance sales. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that delivers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s planning process uses firm-approved software to analyze client goals and provides written recommendations without discretionary authority.

F Shannon IV is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a team member since 2006. Prior to joining Merrill Lynch, he gained experience at Legg Mason and Smith Barney. Shannon specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's degree from the University of Maryland, College Park, and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor designation. Shannon serves on the Board of Trustees of the Naval Academy Primary School in Annapolis, Maryland. Residing in Annapolis with his wife, Sarah, and their three children, Shannon enjoys boating, golfing, music, traveling, and spending time with his family.

Michael Phillips is a CFP® professional with 49 years of experience advising clients. He has been associated with OSAIC for 36 years and operates Phillips Financial Services, Inc., which he founded in 1994. In addition to his advisory work, he serves as a volunteer commission member focused on the well-being of Lake Topanemus in Freehold, NJ, and is a licensed notary public in the state. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers a range of investment and financial planning services utilizing advanced asset-allocation tools and access to third-party money managers.

Thomas Dziubek Jr. is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2014, as well as at VOYA Financial Advisors and Falzone Financial Services. In addition to his advisory role, he operates independent insurance and financial services businesses, including preparation of personal tax returns. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to use affiliated and third-party model portfolios, discretionary and non-discretionary management, and various program structures.

Shobha Menon is a Financial Advisor at Merrill Lynch Wealth Management in Princeton, New Jersey. She works with individuals and families to help define life goals and develop financial strategies tailored to their needs. Menon leverages Merrill Lynch's comprehensive wealth management and banking platform through Bank of America to provide guidance on investing, retirement planning, and small business solutions. With over 30 years of experience in the financial industry, Menon has held advisory roles for product launches, compliance and legal support for trust and mutual fund setups, and operational management across multiple geographies. She is registered to serve clients nationwide and specializes in areas including college education planning, family wealth management, employee financial health, and personal retirement planning. Menon holds professional designations such as Certified Plan Fiduciary Advisor, Chartered Retirement Planning Counselor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Menon earned a Bachelor's Degree and a Bachelor of Law from the University of Mumbai and completed the Accredited Certificate Program from The Institute of Chartered Accountant of India. She is fluent in English, Hindi, and Gujarati. Beyond her professional work, Menon participates in community activities as a Bank of America Community Volunteer and supports organizations including St. Jude Children's Research Hospital. Her personal interests include gardening, music, spending time with family, and traveling.

Ronald Williams is a CFP® professional with 35 years of experience in the financial industry. He currently serves as an advisor at Cetera and has prior experience with First Allied Advisory Services, Inc. and First Allied Securities, Inc. Outside of his advisory role, he is a real estate sales associate with Weichert Realtors and operates his own business under True North Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Jeffrey Davidson is a CFP® professional with 23 years of experience in the financial services industry. He has been with Wells Fargo Advisors since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research, planning tools, and simulation models to develop tailored recommendations for clients.

Alyson Mandato is a Series 66–licensed financial advisor with Cetera, bringing five years of industry experience. She is currently affiliated with Cetera Wealth Services, LLC and King Financial Network, where she serves as a Wealth Management Associate. Mandato also has an ongoing association with the University of South Carolina since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser offering services through a nationwide network of independent advisors to individual and institutional clients. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Melissa Karwoski is a financial advisor with Charles Schwab in Princeton, NJ, holding a Series 66 designation and 18 years of industry experience. Her prior roles include five years with Prudential Investments and its related entities. Outside of her advisory work, she operates Sugar Lion & Sprinks, a small food and beverage business featuring homemade desserts shared and occasionally sold via social media. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions alongside integrated brokerage, custody, and financial planning services.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Nicholas Pulli is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to his current role, his work history includes positions at MFS Investment Management and Constellation Brands. Morgan Stanley Wealth Management is a 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 assets and employs a structured planning process using firm-approved tools and modeling techniques.