Zainab Bilgrami is a financial advisor at TD Private Client Wealth LLC with Series 63 and Series 65 credentials and five years of industry experience. She has been with TD Private Client Wealth since 2020 and also has prior experience at TD Wealth N.A. and TD Bank dating back to 2005. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm employs a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers, providing ongoing portfolio management, financial planning support, and custody through third-party custodians.

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.

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.

Amy Mahon is a Series 66-credentialed financial advisor with Kestra Advisory, bringing 14 years of industry experience. She has been with Kestra Financial Services since 2016 and also maintains a role with FBK Wealth Management. Outside of her advisory work, Mahon serves as president of the Love of Linda Cancer Fund, Inc. and is active in community organizations including the Ocean City Fine Arts League. She is also involved with local culinary writing and art sales. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad client base, including institutional and individual investors. The firm offers fiduciary consulting, plan design, and a range of managed solutions, serving large institutional clients as well as plan sponsors.

Alexander Sawickij is a financial advisor with TD Private Client Wealth LLC in Ocean City, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. His prior work includes roles at TD Bank N.A., Bennett Chevrolet, Millville Public Charter School, and Century 21 Frick Realtors. Outside of his advisory work, he volunteers as a part-time crew member for the Atlantic City Ballet. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, offering portfolio management, financial planning support, and custody services through a combination of affiliated and third-party investment managers.

Braiden Scarpa is a financial advisor at Kestra Advisory with Series 63 and Series 65 credentials and one year of industry experience. Prior to his current role, he worked at Trinity Wealth Securities, LLC and Florida Financial Advisors DBA Tristate Financial Advisors. Outside of finance, he has experience working at Uncle Bills Pancake House and Middle Township Public Schools. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse client base, including large institutional investors. The firm offers a range of services such as fiduciary consulting, plan-level investment advice, and employee education, supported by a broad platform of management solutions.

Tracie Fitzgerald is a financial advisor with Kestra Advisory who holds Series 63 and Series 65 licenses and has 21 years of industry experience. She has worked at Kestra Advisory and affiliated firms since 2016. Outside of her advisory role, she is the Consumer Mortgage Director at 1ST Bank of Sea Isle City and a member of Azure Wish Sailing Charters, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms. The firm serves large institutional investors, including sovereign wealth funds, and offers pooled employer plan arrangements and private fund placement services.

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.

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.

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.

Lori Gallelli is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Ocean City Home Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving both discretionary and non-discretionary clients while acting as an ERISA fiduciary.

Vincent Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 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 Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, and it includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jay Shah is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Wells Fargo Clearing and its affiliated entities since 2016. Outside of his advisory role, he has worked at Borgata Casino Hotel & Spa from 2016 to 2019. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.