James Fontanella is a financial advisor with Cetera who holds Series 65 and Series 66 licenses and has 31 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates his own accounting and tax preparation business serving small businesses and individuals. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services with access to multiple investment strategies and managers.

Nikolas Butkov is a financial advisor with Ameriprise in West Orange, NJ, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its related entities since 2010. Outside of advisory work, he is involved in independent insurance brokering specializing in universal life insurance. Ameriprise is an institutional firm offering a retirement-income planning service aimed at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to generate written recommendation reports, focusing on clients with Ameriprise-managed accounts and utilizing algorithmic tools overseen by a dedicated team.

Afaf Zaher is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her career includes roles at Bank of America, Merrill, and PNC Bank prior to joining J.P. Morgan in 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services on a non-discretionary basis.

Tiziana Maganuco - Van Peenen is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity since 2013, previously serving as a Planning Consultant from 2021 to 2023, Relationship Manager from 2014 to 2021, and Financial Representative from 2013 to 2014. Prior to joining Fidelity, Tiziana held various positions at TD Bank from 2007 to 2013, including Assistant Store Manager and Financial Services Representative. With 18 years of experience in the financial industry, Tiziana focuses on goal-based planning to help clients navigate life transitions and prepare financially for the future. She utilizes the resources available at Fidelity to support clients in building trust and confidence as they work toward their financial objectives. Outside of her professional work, Tiziana enjoys skiing and traveling.

Parker Gundeck is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He leads a team focused on providing personalized strategies for families and individuals, specializing in risk and portfolio management, estate planning, tax-efficient strategies, and wealth structuring. Parker holds a Bachelor's Degree from Pennsylvania State University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, family wealth management, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, socially responsible investing, and retirement income. He resides in Wyckoff, New Jersey, with his wife Kathleen and their three children. Outside of work, Parker enjoys adventure sports, camping, football, skiing, swimming, and traveling.

Ellen Bialek is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Advisors LLC and A. G. Edwards & Sons, Inc. Outside of her advisory role, she serves as treasurer for a rental property business owned by her spouse. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Rachel Bernard is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 65 licenses and was previously with Lincoln Financial Advisors for nearly three decades. Bernard is involved in nonprofit work as a committee member of The Lift Collaborative, a church mission organization. OSAIC serves a wide range of clients including individuals, institutions, and charitable organizations through multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a focus on asset allocation, risk management, and access to third-party money managers and alternative investments.

Harold Uszerowicz is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019, following positions at Wells Fargo Clearing and Wells Fargo Advisors LLC between 2012 and 2019. Outside of his advisory work, he is an amateur photographer. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Daniel Murray is a CFP®-certified financial advisor with Edward Jones, based in Pompton Lakes, NJ. He has 16 years of industry experience, including 13 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

John Mc Namara is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Merrill since 2009, following prior roles at Banc of America Investment Services, Inc. and Quick & Reilly, Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Miguel Munoz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides personalized wealth management advice and guidance to affluent families, corporate executives, professionals, business owners, and institutions. Miguel and his team utilize a goals-based wealth management process designed to help clients identify their objectives, structure wealth according to individual or family legacy plans, and maintain disciplined investment approaches during periods of market volatility. They also collaborate with non-profit and for-profit institutional clients on retirement, benefit planning, and philanthropic investment guidance. Miguel brings extensive experience in financial services, focusing on wealth management, trust and estate planning, business succession, capital preservation and growth, income generation, education and retirement planning, as well as exploring opportunities in alternative investments. He holds multiple professional designations, including Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), Certified Trust and Fiduciary Advisor (CTFA), and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor's Degree from Montclair State University and is fluent in both English and Spanish. Outside of his professional commitments, Miguel is involved with several organizations such as the Hispanic Organization for Latino Advancement, Lambda Sigma Upsilon National Fraternity, Latinos Simpre Unidos Foundation, MSU Alumni Association, and Tri-Alpha Honor Society. He also participates in community activities with Habitat for Humanity. His personal interests include adventure sports, dancing, football, music, spending time with his family, and traveling.

Paul Dussard is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 credentials and with 19 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2007 and also has been involved in Western Logistics, Inc. since 2001. Outside of advisory work, he receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets across nearly 3,700 advisors and delivers advisory services primarily through model-driven strategies created by unaffiliated asset managers.

John Langdon is a financial advisor with Cetera, holding a Series 63 designation and over 41 years of industry experience. His career includes roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Langdon is involved in several nonprofit and community organizations, including board positions with the St. Joseph’s High School Foundation and the Brothers of the Sacred Heart Foundation, as well as advisory roles with charities supporting families affected by pediatric cancer. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management and consulting services, using a multi-manager platform that includes affiliated and third-party models, discretionary and non-discretionary account management, and various program structures.

Ryan Marshall is a CFP® professional with 20 years of experience in the financial services industry. He is currently with Cetera and has held roles at Ela Financial Group Inc. and Cetera Wealth Services, LLC. Marshall serves as co-chair of a mentorship program at Montclair State University that supports business school students in their career development. Cetera Investment Advisers LLC provides services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

David Maschio is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding a Series 63 designation and 26 years of industry experience. His prior work includes positions at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company. He is also an independent insurance agent specializing in fixed annuities and life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative planning using firm-approved analytical tools without discretionary authority.

Nicholas Pascarella is a CFP® with 40 years of industry experience, currently affiliated with Cetera. He has been associated with Cetera Advisors LLC since 2013 and has owned Pascarella Wealth Partners LLC since 1989. In addition to his advisory work, he is involved in the life settlement business as an insurance agent and serves as a contingent trustee. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers, providing diverse program structures and ongoing client supervision.

David Siebel is a financial advisor with Osaic, holding a Series 66 credential and 14 years of industry experience. He has worked at SagePoint Financial and Capacity Benefits & Financial Services Group LLC, and currently serves as Managing Principal at EPIC Insurance Brokers & Consultants, where he manages employer group-sponsored employee benefit plans. He also owns Siebel Consulting, Inc., focusing on group employee benefits for small clients. Osaic Wealth, Inc. serves a diverse client base including individual and 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 brokerage, investment advisory, and financial planning services, utilizing various asset-allocation tools and third-party solutions to construct and manage portfolios.

Virginia Capicchioni is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and six years of industry experience. She has a background that includes roles at Cetera, First Allied Advisory Services, and Lifelong Investments LLC. Outside of her advisory work, she is involved in lacrosse coaching and administration, serving as head coach for USA Lacrosse and president of the American Women’s Box Lacrosse Association, in addition to managing Gladiator Lacrosse LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures and custodial relationships.

Damien Di Taranto is a Series 66-licensed financial advisor at LPL Financial with two years of industry experience. His prior roles include positions at Northern Advisory Group, UBS, and involvement with the University of Miami. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Steven Bellog is a Vice President and Financial Consultant at Fidelity Investments. In his role, he collaborates with clients to understand their financial goals and develop customized financial plans tailored to their unique needs. He emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Steven has been with Fidelity Investments since 2019. Prior to this, he worked as a Financial Advisor at Morgan Stanley from 2013 to 2019. His professional experience spans several years in financial consulting and advisory services. Outside of his professional work, Steven engages in activities such as family activities, fitness, golf, outdoor adventures, snowboarding, and traveling.