Raul Toro is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at JP Morgan Securities, JP Morgan Chase Bank, and Citizens Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics.

Barbara Pettit is a financial advisor with Equitable Advisors in Cherry Hill, NJ, holding Series 63 and Series 66 credentials and with 15 years of industry experience. Her prior roles include positions at Vicus Capital, Cetera Advisor Networks, Schwartz Financial Associates, TIAA-CREF, and Vanguard Advisers. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models implemented through third-party managers and provides ERISA fiduciary services to qualified plans.

Joseph Garafano is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 license and over 37 years of industry experience. He has been with Cambridge since 2010 and operates Garafano Tax Services, LLC, where he provides income tax preparation. He also works as an independent insurance agent specializing in life insurance. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing multiple platform arrangements and a range of discretionary and non-discretionary strategies.

William Newsome is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2012. In this role, he leads a culture focused on supporting clients and helping them plan for their financial goals. Prior to this, he served as Vice President and Regional Planning Consultant at Fidelity Investments from 2010 to 2012, and as Vice President and Financial Consultant from 2006 to 2010. His career in financial advisory began in 1997, with experience at Morgan Stanley Dean Witter, Wells Fargo - First Union, and Merrill Lynch, Pierce, Fenner & Smith. Mr. Newsome's professional background encompasses a broad range of financial advisory roles, demonstrating extensive experience in client planning and financial consulting. He has consistently worked to exceed client expectations throughout his career. Outside of his professional responsibilities, Mr. Newsome enjoys family activities, fitness, kayaking, spending time at the lake, music, and has a background in military service.

Stephanie Becker is a financial advisor at Ameriprise in Burlington, NJ, holding a Series 66 designation with 15 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports through a centralized consulting team, supporting a broad range of advisory, brokerage, and insurance solutions.

Alan Chapman is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and has worked previously at Lincoln Financial Advisors, Janney Montgomery Scott, Mercadien Asset Management, and Morgan Stanley. Chapman is also involved in insurance-related business activities through Generation Capital agency. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Dennis Judge Sr. is a financial advisor with Cetera, holding a Series 63 designation and having 38 years of industry experience. He has been with Cetera and its related entities since 2005 and has operated Judge Financial Services since 1978. Outside of his advisory work, he manages a tax accounting and bookkeeping practice and serves as treasurer of a condominium association. Cetera Investment Advisers LLC is an SEC-registered adviser supporting over 10,000 advisors and approximately 800,000 clients nationwide. The firm provides a range of portfolio management and financial planning services across multiple client types and offers access to various third-party and affiliated investment managers.

Alison DiGiulio is a Financial Consultant at Fidelity Investments, where she works with clients to develop and update financial plans aligned with their investment goals. She leverages the resources and team at Fidelity to assist clients in growing and protecting their wealth while simplifying their financial lives. Alison has experience in the financial services industry, having served as a Financial Solutions Advisor at Merrill Lynch from 2015 to 2021 before joining Fidelity Investments in 2021. Her professional background includes advising clients on financial planning and investment strategies. Outside of her professional role, Alison has personal interests that include comedy, exploring food, hiking, kayaking, music, and traveling.

Dillon Mills is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has worked previously at Wells Fargo Bank, The Evangelisti Group, and Kennedy Investment Group. Outside of his advisory role, Mills owns and manages a real estate business, overseeing property acquisitions and renovation projects. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Delvis Kaliqi is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked in various roles including service positions such as a waiter and barista. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and technology tools.

Joseph Delguercio is a ChFC® credentialed financial advisor with over 41 years of industry experience. He is currently with Mass Mutual Investors Services, where he has worked since 2017, and has been associated with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in an entrepreneurial capacity as a member of an LLC for administrative and sales activities, and also works as an insurance agent, providing property, casualty, health, and group life insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as ongoing, collaborative relationships and provides various programs including wrap and money-manager offerings, educational seminars, and recently added a standalone Divorce Planning service.

Kimberly Daniels is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. She has been with LPL Financial since 2015 and previously worked at Wireless Zone from 2011 to 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms.

Martin Sinclair is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. He has been associated with Cetera and its affiliate entities since 2013 and operates a CPA practice, Sinclair Associates LLC. Sinclair is involved in nonprofit work as a board member of My Father's House Inc. and serves as treasurer for the Prader-Willi Syndrome Association Chapter of New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm that provides a wide range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple program options, including model portfolios and custom strategies, managing over $256 billion in assets.

Charles Strano is a financial advisor with OSAIC in Woodbury, NJ, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He previously worked for FSC Securities Corporation from 1994 through 2023. Outside of his advisory role, he is involved in the sales and service of life insurance through a sole proprietorship. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisers and advisory platforms. The firm provides integrated brokerage and advisory services, employing various asset-allocation tools and third-party managers to construct tailored portfolios.

James Pacheco is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, TD Wealth Management Services Inc., and Equitable Advisors. Outside of his advisory work, he serves as a volunteer firefighter with the Indian Mills Volunteer Fire Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment solutions, utilizing both proprietary and third-party strategies, supported by technology tools for operational and research purposes.

Michael Schorr is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models to support client decision-making.

David Maurer is a financial advisor with Mass Mutual Investors Services and holds the CFP® and ChFC® designations. He has 25 years of industry experience, including roles at Metlife Securities Inc. and New England Securities. Outside of his advisory work, he is involved as a broker in an insurance business and manages a real estate rehabilitation venture. 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 uses detailed client information and proprietary software to deliver written recommendations as part of ongoing financial planning engagements.

Sharon Goss is a financial advisor with LPL Financial in Marlton, NJ, holding a Series 66 designation and 23 years of industry experience. Her career includes roles at The Vanguard Group, Wells Fargo Advisors, and A.G. Edwards & Sons. She is also involved in sales with Mary Kay Cosmetics. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various investment programs and advisory platforms, with support tools such as machine learning for operational purposes, and manages over $819 billion in discretionary assets through a large network of advisors.

Alexandria Cail is a CFP® professional with 16 years of experience in the financial services industry. She currently works with Wells Fargo Clearing and has held various roles within Wells Fargo entities since 2013. Outside of finance, she is a barre instructor and co-owner of a group fitness studio in Philadelphia. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm applies research and analytics to investment selection and offers a broad range of brokerage and advisory solutions.

Bryan Basara is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank, N.A. Outside of his advisory work, he owns and operates DJ Bryan B LLC, providing DJ services at events. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.