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.

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.

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.

David Morse is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He previously worked at Pruco Securities, LLC for 33 years before joining LPL Enterprise in 2024. In addition to his advisory role, he is involved in the sale and service of property and casualty insurance. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products.

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.

Wayne Grant is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as president of the Willow Ridge Executive Office Park Owners Association and the Willow Ridge Executive Office Park Condominium Association, managing property oversight and maintenance activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, tax, estate, and special needs planning. The firm emphasizes goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate planning and investment management services.

Thomas De Caprio is a financial advisor with LPL Financial, holding Series 66 and Series 63 licenses and bringing 29 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Transamerica. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Timothy Davis is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has previously worked at firms including TD Bank, LPL Financial, Sun FCU, CUNA Brokerage Services, and Edward Jones. Before his financial career, he served 12 years in the United States Air Force. Davis is also the owner of RealFinX LLC, a holding company intended for future use. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendation reports through a centralized consulting team in partnership with financial advisors.

Robert Whiteside is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 46 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 plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Leslie Esposito is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has been with Wells Fargo since 2016. Outside of her advisory role, she serves as a power of attorney for her mother. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Robert Baxter is a financial advisor with Wells Fargo Clearing in Atlantic City, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Marisela Torres Hernandez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2021. Prior to that, she was employed by The Prudential Insurance Company of America and Pruco Securities, LLC, and spent twelve years with the Division of Child Protection and Permanency. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options, notably insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan solutions.

Steven Litner is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 and 65 licenses. He has 40 years of industry experience, including prior roles at Mass Mutual Life Insurance Company, Mass Mutual Investors Services, and MetLife Securities Inc. Outside of his advisory work, he is involved in independent insurance brokering and viatical settlement activities. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, offering tailored written Recommendation Reports that incorporate research, modeling, and tax-efficient strategies. The firm combines advisory, brokerage, and insurance solutions through affiliated entities, supported by a centralized retirement-income consulting team.

John Bove is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at both Merrill and Bank of America, N.A., and previously held roles at Stockton University and Ernest and Sons. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jay M. Weiner is a Senior Resident Director at Merrill in the Atlantic County, New Jersey office. He has been with Merrill since 1998 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Jay holds FINRA series 3, 7, 9, 10, and 66 registrations, along with health and life insurance licenses. He earned his bachelor's degree from the University of South Florida. Jay focuses on developing long-term financial advisory relationships tailored to the unique circumstances of each client. He promotes a systematic approach to investing that aligns with clients' investment goals, risk tolerance, time horizon, and liquidity needs. His expertise areas include employee benefits planning, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Through Merrill, Jay provides a wide range of financial strategies and investment services, emphasizing retirement planning, supported by firm specialists and top-rated research. In addition to his professional work, Jay is actively involved in the community. He is a member of the Atlantic City Education Foundation and the Marjorie & Lewis Katz Jewish Community Center. He served as Past President of Congregation Beth Judah in Ventnor, New Jersey, and participates in the Clean Ocean Action initiative. Jay resides in Margate, New Jersey, with his wife and three children. His personal interests include cooking, gardening, golfing, pickleball, spending time with family, and tennis.