Heidi Wohlleb is a Series 66 licensed financial advisor with 18 years of industry experience. She currently works at Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, Inc., and Nisivoccia & Company, LLP, where she has been active since 1989. In addition to her advisory role, she is involved with several related financial services entities, including serving as an advisor at Nisivoccia & Company, LLC and owning Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, with access to both affiliated and third-party managers and various program structures.

Sean Stodart is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 licenses and having 12 years of industry experience. His prior roles include positions at Minnesota Life Insurance Co, Allied Wealth Partners, and Securian Financial Services. He is also engaged in an outside insurance business focusing on life, fixed annuities, disability, and long-term care products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software for goal analysis and recommending investment strategies without discretionary authority.

Michael Pett is a financial advisor with Wells Fargo Clearing in Succasunna, NJ, holding Series 63 and Series 65 credentials and with 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Christopher Wagner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Raymond James & Associates since 2007. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by research and multiple portfolio management strategies.

Christopher Mazza is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS and Oppenheimer & Co. Prior to his financial advisory career, he was involved in managing Griff's Place Sports Bar for seven years. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including Monte Carlo simulations to model financial outcomes.

John Blum is a financial advisor with Morgan Stanley in Warren, NJ, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with earlier experience at Shearson dating back to 1987. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory process.

Howard Diamond is a financial advisor with LPL Enterprise, holding the ChFC® designation as well as Series 63 and Series 65 licenses. He has 40 years of industry experience, including prior roles at Prudential Insurance Company of America, Pruco Securities, Macy’s, Schlesinger and Associates, and AllState Insurance Company. Outside of his advisory work, he is also a commissioned notary public. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and affiliated insurance services.

Marybeth Sawchuk is a financial advisor at LPL Enterprise with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked since 1994 with Prudential Insurance Company of America and its affiliate Pruco Securities, LLC. Outside of her advisory role, she receives renewal commissions for servicing existing auto and homeowner insurance policies. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm’s investment approach is typically model-driven, utilizing portfolios developed in-house or by third parties, and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Michael Staufenberger is a CERTIFIED FINANCIAL PLANNER™ with 10 years of industry experience. He has worked at STIFEL since 2022 and previously spent six years at The Vanguard Group, Inc. in various roles. STIFEL serves a wide range of clients including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach includes proprietary asset allocation and planning methodologies developed by its Investment Strategy Group, supporting client decision-making across multiple financial areas.

Mark Harwanko is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Ic Advisory Services Inc and The Investment Center Inc for 14 years each. In addition to his advisory role, he serves as president of Black River Financial, LLC, which advises clients on insurance and annuities. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to various managed account solutions. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios incorporating multiple asset classes, with accounts managed on either a discretionary or non-discretionary basis.

Michael La Costa is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has six years of industry experience. His prior roles include positions at Northwestern Mutual and TP ICAP Corporates LLC. He also serves as a financial advisor specializing in life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools and educational seminars.

George Grow is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and over 45 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, for more than two decades. Outside of advising, he is involved in an outside insurance brokerage business. Equitable Advisors serves a broad client base, including individual and institutional investors, offering financial planning, retirement plan consulting, and asset management programs. The firm delivers services through a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs to meet client needs.

Jon Mcaleney is a financial advisor at Osaic Wealth with 40 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at IC Advisory Services Inc and The Investment Center Inc for 14 years. Outside of his advisory role, he owns McAleney Wealth Management, a DBA for securities, and is involved in a business networking group called Tip Master that exchanges business ideas. Osaic Wealth serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm employs asset-allocation tools and automated rebalancing for portfolio construction and supports various managed-account solutions, operating with a complex corporate structure and multiple third-party commercial arrangements.

Ian Baird is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He holds a Series 66 designation and previously worked at Commonwealth Financial Network. He is also involved with Elefant Financial, where he functions as an Investment Advisor Representative with activities including fixed annuity and insurance sales. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing a range of portfolio management strategies across multiple platform arrangements.

Shpend Sabani is a financial advisor at UBS Financial Services in Warren, NJ, with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Craig Carcuffe Sr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He worked at Pruco Securities, LLC for 35 years before joining LPL Enterprise in 2024. He is also licensed as an agent for property and casualty insurance with Liberty Mutual and Plymouth Rock. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Christopher Reicen is a financial advisor at UBS Financial Services in Warren, NJ, holding a Series 66 designation with 14 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver customized financial planning and portfolio management.

John Milacki is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes 30 years at Metlife Securities Inc. before joining Mass Mutual in 2016. Outside of his advisory role, he is a partner at Optimum Financial Group LLC and part owner of a retail business in Southport, NC, where he handles payroll bookkeeping. Mass Mutual Investors Services, LLC 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 offers a range of programs including wrap and money-manager services, with financial planning structured as an annual, collaborative process using firm-approved analytical tools.

Roger Francis is a CFP® professional affiliated with LPL Financial, with 19 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 17 years before joining LPL Financial in 2023. Francis operates Francis Wealth Management as a DBA for his LPL business. 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 and access to model portfolios and third-party asset managers, supported by technology tools for operational and research purposes.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving 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 various investment models and third-party managers.