Erin Mendez is a CFP® professional affiliated with Independent Advisor Alliance, LLC and LPL Financial, with 20 years of experience in the financial services industry. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of advising, she serves as an assistant at T&F Camera Shop. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, providing asset management, financial planning, and retirement consulting. The firm utilizes both discretionary and non-discretionary management, employs various investment strategies, and integrates technology platforms for asset aggregation and estate planning.

Daniel Cewe is a financial advisor with PNC Wealth Management who holds a Series 66 designation and has 17 years of industry experience. He has been with PNC Investments LLC since 2015. PNC Wealth Management offers retail brokerage and advisory services through various model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments to recommend investment models implemented via mutual funds and ETFs. The firm’s approach includes delegated portfolio execution and rebalancing with limited direct client interaction.

Patrick Geubtner is a financial advisor with GWN Securities Inc. in Northfield, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with GWN Securities since 2013 and also operates his own law office specializing in wills and trusts since 1998. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals, through discretionary managed accounts and model portfolios. The firm employs a range of investment strategies, including traditional asset allocation and legacy market-timing approaches, and manages approximately $3.65 billion across more than 37,000 client accounts.

Marc Eisen is a financial advisor with PNC Wealth Management in Vineland, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at PNC Investments, Bank of America, Merrill, Axcel Capital Group, and Philadelphia Investors. Outside of finance, he has been involved in assistant therapy staffing with National Charter School Services. PNC Wealth Management provides retail brokerage and advisory services, including a model‑based digital investment program available by invitation to employees with online banking credentials. The firm employs algorithm-driven portfolio strategies managed or approved by PNC and third-party strategists, utilizing mutual funds and ETFs with annual rebalancing.

Eric Pepper is a financial advisor at Ameritas Advisory Services, LLC with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various roles within Ameritas affiliates since 2003. He is also a partner at Pepper and Pepper Ltd, a firm involved in the sale of traditional life insurance products since 1985. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers discretionary and non-discretionary programs through a combination of in-house model portfolios and third-party managers, integrating services with Ameritas affiliates and financial institutions.

Louis Barberio III is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Penn Mutual and Connecticut General Life Insurance Company since 1990. Barberio serves as a board member and trustee for the Stockton University Foundation and is a member of the Stockton Investment Committee and St. Gianna Parish Council. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and consulting. The firm focuses on client-directed implementation and oversight with a primarily non-discretionary investment approach.

Daniel Peretti Jr. is a financial advisor at Lincoln Investment with eight years of industry experience. He holds a Series 66 credential and has worked at Lincoln Investment since 2017, following three years at CRF Advisors, Inc. Peretti also serves as a member of the Board of Commissioners for the Vineland Housing Authority. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of advisory services including financial planning, model portfolios, and retirement plan advice, employing both strategic and dynamic investment approaches overseen by its Investment Management & Research team.

John Fitzgerald is a financial advisor at Commonwealth Financial Network with 20 years of industry experience. He holds the Series 66 designation and has worked at firms including Morgan Stanley and Cetera. He is also president and owner of Fitzgerald Financial Group, which facilitates his securities and investment advisory business. Additionally, he serves as a Notary Public. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm offers a variety of managed-account programs, third-party asset manager access, and back-office services to serve individual and institutional clients.

Michelle Keates is a financial advisor at Janney Montgomery Scott with over 32 years of industry experience, including 25 years at Janney. She holds Series 63 and Series 66 designations. Outside of her advisory role, Keates serves on the Board of Trustees at Stockton University, where she chairs the Investment Committee and contributes to several other university committees. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base through a combination of in-house portfolio management and third-party managers, offering brokerage, financial planning, consulting, and multiple advisory programs.

Craig Blum is a CFP® certificant with 27 years of industry experience currently serving at Benjamin F. Edwards & Company, Inc. since 2026. He previously worked at UBS Financial Services for 12 years. Outside of his advisory role, he is involved in a family-owned business, Cheri Blum Studios, and is the owner of CB2, LLC, a real estate venture. Benjamin F. Edwards & Company provides investment advice and related services to a diverse client base, including individual investors, retirement plans, trusts, estates, and corporate clients. The firm offers both model-based and customized investment strategies and operates an in-house trading desk alongside its broker-dealer services.

Peter Tampellini is a Certified Financial Planner (CFP®) with 35 years of industry experience. He has been with Benjamin F. Edwards & Company, Inc. since 2012. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and charitable and educational organizations, offering a range of advisory programs and investment strategies with oversight from an Investment Strategy Committee.

Patrick Mcgrory is a CFP® with 26 years of industry experience, currently serving as an advisor with Independent Advisor Alliance, LLC since 2022. Prior to this, he worked at Ameriprise Financial Services, Inc. for 17 years and is also affiliated with LPL Financial. Outside of his advisory role, he owns and operates tax preparation and accounting services. Independent Advisor Alliance serves a diverse clientele including individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, retirement plan consulting, and coordinates discretionary and non-discretionary portfolio management using various analytical strategies and technology platforms.

Joseph Ruffenach Jr. is a financial advisor with GWN Securities Inc. who holds a Series 63 designation and has 34 years of industry experience. He has been associated with Siracusa Benefits Programs since 1985, where he currently serves as President. In addition to his advisory role, he sells 403(b) plans primarily to school districts, along with fixed and indexed annuities and occasionally life and long-term care insurance. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a mix of affiliated and unaffiliated sub-advisers, utilizing asset allocation and Modern Portfolio Theory, and features both discretionary portfolio management and model-based allocations.

Rafael Roque Espinosa is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked with firms including GWFS Equities, Prudential Investment Management Services, Prudential Insurance Company of America, MassMutual, and MML Investors Services. Outside of his advisory role, he serves as a contracted financial officer for OUTCO Inc., where he analyzes financial statements and reports findings to the executive board. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model tied to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Stavroula Koutsfetsoulis is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2011. In addition to her advisory role, she is involved in fiduciary activities as an attorney-in-fact (power of attorney). Ameriprise is a large institutional firm that provides retirement-income planning services primarily to individuals with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, focusing on tailored retirement income strategies.

Brian Collini is a financial advisor at Cetera with 21 years of industry experience and holds a Series 66 designation. His prior experience includes work at Securities America, Wealth Capital Group, and Securities Service Network, among others. Outside of advisory roles, he has been involved in real estate through entities such as Collini Real Estate, LLC and NSC Property Investments, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program options and over $256 billion in assets under management.

Paul Oakley is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial services. His expertise encompasses retirement income planning, tax-efficient investing, portfolio management, and services tailored for endowments, foundations, non-profits, defined benefit plans, and small business strategies. Paul also focuses on employee financial health, liquidity management, managing new wealth, and serves clients in the sports and entertainment sectors. Paul holds a Bachelor’s degree in Political Science from Rutgers University and has a background in Securities Law and Compliance. He maintains several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Paul serves as President of the Lisa Oakley Memorial Foundation, a non-profit organization funding cancer research and patient care in the South Jersey and Philadelphia area. He resides in Egg Harbor Township and enjoys baseball, music, reading, swimming, and writing in his personal time.

Ava Pierce is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she worked at Ameriprise and has a background that includes roles in education and the restaurant industry. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Dominic Romano is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and having 10 years of industry experience. He previously worked at Cantella & Co., Inc. for eight years before joining Cambridge in 2022. Outside of his advisory role, he is involved in tax preparation through Romano Tax and Business Consultants LLC and owns Romano Buonadonna Financial Services LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management and model-based strategies tailored to client needs.

James Caulfield is a financial advisor at Edward Jones with nine years of industry experience. He has held his current role at Edward Jones since 2017 and previously worked at the University of Scranton from 2015 to 2017. Caulfield holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.