David Scureman is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial since 2024. Prior to joining LPL, he spent eight years at Wells Fargo Advisors. Outside of his advisory role, he is a co-owner of Freedom Financial Partners, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory services, leveraging model portfolios, third-party research, and various investment strategies.

John Deliso is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and bringing 50 years of industry experience. He has been with Equitable Advisors since 1999, following a prior affiliation with Axa Advisors. Outside his advisory role, he serves as a trustee and board member of the Bayshore Medical Center Foundation. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a variety of sponsored and endorsed platforms.

Craig Haber is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been affiliated with Cetera since 2017 and also operates Catarina Catarina, an internet sales business. Additionally, he serves as a business advisor for Audition Technology, a medical device company. Cetera Investment Advisers LLC is a large nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering portfolio management, financial planning, and access to third-party managers.

Lindsay Cusick is a financial advisor with Equitable Advisors, holding a Series 66 designation and 15 years of industry experience. She has been with Equitable Advisors since 2010 and previously worked at AxA Advisors during the same period. 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 that combines advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

John Lynde is a financial advisor at Cetera with 30 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at LPL Financial and operating the Wealth Insight Group, a financial services business he founded in 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

Michael Soto is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience in various roles including automotive sales and hospitality. Soto is also associated with DGAM LLC, where he manages an advisory business. Ameriprise serves clients primarily through its retirement-income planning service for individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations.

Stephen Kroll is a financial advisor with Wells Fargo Clearing who holds the Series 66 designation and has 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and based on modern portfolio theory, with a broad range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Bahaa Botros is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1991 onward. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, model portfolio management, third-party asset management, and access to various brokerage and insurance products via a comprehensive integrated platform.

Vijay Krishnaswamy is a CFP® professional with eight years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Kestra Advisory, MML Investors Services, MassMutual, and MasterCard. He is also involved with NKS Group LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party research, and various investment strategies.

Michael Bosi is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining Ameriprise in 2025, he worked for Voya Investment Management and its affiliates from 2014 to 2025. He serves on the Board of Directors and as Rear Commodore for the Navesink Maritime Heritage Association. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Addo Kuhlmann is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2004. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gersain Alvarado is a financial advisor at Fidelity with six years of industry experience and holds a Series 66 designation. His prior work includes roles at Merrill and Bank of America, as well as entrepreneurial experience as a self-employed professional. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Pamela Lipnicky is a financial advisor at Fidelity with 16 years of industry experience. She holds a Series 66 designation and has been with various Fidelity entities since 2009. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage diversified portfolios, including fund advisory and model portfolios.

Thomas Quinn is a financial advisor with Equitable Advisors, holding a Series 66 designation and seven years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at Axa Advisors, LLC. Outside of his financial advisory work, Quinn owns and operates Expressive Image Photography, a business he has run since 1992. 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 uses a hybrid referral and implementation model to tailor services based on client goals, risk tolerance, and time horizon.

Alice Coraggio is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Janney Montgomery Scott for 25 years before joining Cetera in 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across multiple program structures.

Patrick Connelly is a financial advisor at Mass Mutual Investors Services with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Mass Mutual Investors Services since 2017, previously working at MetLife Securities from 2009 to 2017. Outside of his advisory role, he operates as an independent insurance agent specializing in disability, fixed annuities, life/accident/health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering collaborative, annual planning engagements that utilize firm-approved analytical tools.

David O'Neill is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds a Series 66 designation and has worked previously at The Prudential Insurance Company of America, Pruco Securities, LLC, Equitable Advisors, and Axa Advisors, LLC. Outside of his advisory role, he is involved in managing a family-owned commercial real estate business. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolio programs, combining advisory services with the sale of insurance and other financial products via an integrated platform.

Tara Hoff is a Series 66-licensed financial advisor with five years of industry experience. She has worked at UBS Financial Services since 2021 and previously held roles at Merrill, Gilbane Building Company, and Rutgers Business School. Prior to her advisory career, she spent eight years in education across elementary, middle, and high school levels. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Jay Gilston is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has previously worked at MassMutual and Investors Capital Corporation and operates a life settlement business alongside his advisory roles. Gilston also provides fixed insurance products and financial services through credit unions and his own Legacy Wealth Advisors practice. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.

Jonathan Deliso is a financial advisor with Equitable Advisors, holding a Series 66 designation and 22 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to implement client recommendations.