Injil Muhammad is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He has held roles at multiple firms including Avantax and Legacy 220 Incorporated, and operates a CPA practice focused on tax preparation. Muhammad is also involved in marketing and business development for Clarion Wealth Management and holds ownership in Clarion Tax & Wealth Strategies. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. 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 through a nationwide network of more than 10,000 advisors.

Robert Esposito is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Haddon Financial and SII Investments, Inc. for 20 years each. Outside of his advisory role, he is involved in non-variable insurance activities in Cherry Hill, NJ. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Irina Nevedomskaia is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior work experience at Bank of America, Citizens Bank, and telecommunications firms including Vimpel-Communications and MEGAFON. She also holds a fiduciary role as a power of attorney for her spouse. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joseph Muziani is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Karlyn Wright is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Goldman Sachs & Co. LLC and The AYCO Company, L.P./Mercer Allied. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocation to tailor investment strategies to clients’ goals and risk tolerances.

Mark Fisher is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 designation and bringing 26 years of industry experience. His prior firms include LPL Financial and Private Advisor Group. Outside of his advisory role, he serves as a senior financial professional at Alloy Silverstein Financial Services, focusing on financial planning and retirement solutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through a multi-manager platform, providing access to affiliated and third-party managers with both discretionary and non-discretionary account options.

Thomas Marino is a Series 66-licensed financial advisor with 20 years of industry experience. He currently works at OSAIC and has previously been with Woodbury Financial Services, Questar Asset Management, and Equitable Advisors. Outside of his advisory role, Marino is involved in community and recreational activities, serving on the steering committee for the Appalachian Mountain Club, participating in local park and recreation boards, and acting as an ambassador for Athletic Brewing. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm utilizes a model-based investment process with tools for asset allocation, portfolio optimization, and risk management, supporting discretionary and third-party strategies.

Robert Greenwood is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Greenwood also works as an independent insurance broker focusing on disability income. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized retirement income planning service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Schimanski is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Ameriprise and its affiliated entities since 1998. Outside of her advisory role, she is involved with H, H & W LLC, an investment-related outside business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations that incorporate modeling and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts.

Anthony Arot is a Senior Financial Advisor at Merrill Lynch Wealth Management's Nash Wealth Management Group, a family-run practice focused on helping clients build, preserve, and transfer wealth. He brings over a decade of experience in wealth management, working closely with retirees, business owners, and high-net-worth individuals. Anthony provides tailored financial strategies in areas including divorce transition planning, education planning, family wealth management, legacy planning, retirement planning, portfolio management, and tax minimization. Anthony holds a Bachelor's Degree from Stockton University and has earned the Personal Investment Advisor (PIA) designation. He is involved in his community through organizations such as Haddonfield United Methodist Church, the American Red Cross, the Colorectal Cancer Alliance, Marlton Recreational Council, and the Society for American Baseball Research (SABR). Outside of his professional work, Anthony enjoys spending time with his family and engaging in activities such as baseball, basketball, fishing, football, music, running marathons, and soccer.

Scott Seligman is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior work includes roles at Woodbury Financial Services, Questar Asset Management, and OSAIC. He is also a managing member of Seligman Financial Group LLC and serves as an agent for United Financial Solutions in insurance and benefits. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations. The firm provides financial planning, investment management, and retirement-plan advisory services across multiple platforms, managing a multi-billion dollar asset base with both discretionary and non-discretionary strategies.

Tony Lu is a Wealth Management Planning Consultant at Fidelity Investments, currently working to develop and implement comprehensive financial plans that are designed to build and preserve wealth for clients and their future generations. In this role, he collaborates closely with clients and Wealth Management Advisors to craft strategies that align with individual financial goals and legacy planning needs. Tony's career spans over fifteen years in the financial services industry, featuring a progression of roles at Fidelity Investments since 2008, including Senior Relationship Manager and Planning Consultant positions. Prior to joining Fidelity, he served as a Financial Advisor at Ameriprise Financial and worked as a Participant Service Representative at Merrill Lynch, providing him with a broad base of experience in wealth management and client advisory services.

William Sabia is a financial advisor with Morgan Stanley in Mount Laurel, NJ. He holds a Series 66 designation and has been with Morgan Stanley since 2026. Prior to joining the firm, he worked at True Search and spent time in education. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs supported by a structured planning process and a broad range of investment services.

Mesmin Pelerin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has previously worked at firms including Waddell & Reed, Ameriprise, Merrill, and PNC Wealth Management. He also served as a FINRA non-public arbitrator in 2021. 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 financial planning, managed portfolio programs, third-party asset management access, and institutional platforms, supporting a wide range of investment strategies and technologies.

Nicole Orlowski is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Before joining UBS in 2021, she worked at Digital Dragon and Rat Sound Systems. Outside of her advisory role, she freelances as a live sound engineer for concerts and events in New Mexico. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Ryan Murray is a financial advisor with Ameriprise based in Jamison, PA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Murray serves as Treasurer for Nestlewood Estates, is a member of the finance committee at Solomon's Lodge No. 3, and holds leadership positions including Honorary Chairman of the Business Advisory Council and President of Alternative Care Concepts. He also supports local education through involvement with the Jamison Elementary Home & School Association. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary advice, primarily focusing on assets held in Ameriprise Managed Accounts.

Spencer Markoe is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and annual advice on income sources and tax-aware withdrawal strategies.

Steven Ogorman is a financial advisor with OSAIC based in Cherry Hill, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2002. Outside his advisory role, he serves as an insurance representative for Pinnacle Taxx, a tax and investment-related business. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, affiliate network, and private-equity ownership.

Eli Saline is a CFP® and ChFC® with 17 years of industry experience. He is currently with LPL Financial and previously worked at Next Financial Group Inc and Saline Financial Solutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Christopher Donisi is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 65 licenses and having eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, JPMorgan Securities LLC, JPMorgan Chase Bank, N.A., and TD Bank. Outside of finance, he is involved with Ciconte's Restaurant Group in New Jersey as an employee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.