Heather Marie Dolce is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing from 2012 to 2022. Outside of financial advising, she has worked as a background performer with Elevate Entertainment. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations through a range of advisory and portfolio management programs, including discretionary and non-discretionary solutions.

Malcolm Elvy is a CFP® with 10 years of industry experience, currently advising at Mariner since 2025. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo, and Morgan Stanley. Mariner serves a diverse client base, including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, retirement plan consulting, and access to third-party managers. The firm provides customized, discretionary portfolios supported by an internal investment team and emphasizes tax and accounting integration alongside traditional portfolio management.

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.

John Scarpinato is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with PNC Investments since 2013. Outside of his advisory role, he serves as an ice hockey referee in the New Jersey area. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only, employee pilot digital offering that uses algorithmic risk assessment to manage portfolios via mutual funds and ETFs. The firm’s approach includes delegation of portfolio implementation and proxy voting to third parties and emphasizes model-driven investment strategies.

Ralph Wendell is a financial advisor with GWN Securities Inc. in Bridgeton, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with GWN Securities since 2004 and also owns Wendell Financial Services and Ralph S. Wendell Insurance, where he has been involved in life insurance, disability insurance, and annuity sales since 1982. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs, including both traditional asset-allocation and legacy market-timing strategies.

John Du Mond is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has previously worked at The Leaders Group, Inc., Questar Asset Management, Questar Capital Corporation, and TruChoice. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its asset allocation portfolios. The firm’s investment approach uses a top-down strategic asset allocation framework combined with risk-based mutual fund portfolios and periodic rebalancing based on defined strategic events.

Beth Mcdowell is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 designations and bringing 37 years of industry experience. She has been with Commonwealth Financial Network since 2006. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Jerard Gray is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Gwfs Equities, Inc., Prudential Investment Management Services LLC, Prudential Insurance Company of America, and T. Rowe Price. Outside of financial advising, he is involved in real estate sales with Keller Williams Legacy. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain individual investors. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Craig Sargent is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds Series 65 and Series 66 designations and has worked at GWFS Equities Inc. since 2016. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

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.

Raymond Trost is a CFP®-designated financial advisor at Edward Jones with 25 years of industry experience. He previously worked at Susquehanna Capital Group for 18 years and spent time at T3 Trading Group, LLC. Outside of his advisory work, he is a co-owner of TMT Property Investments. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment strategies, supported by a large network of advisors and branches across the country.

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.

Anthony Alfe is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at JP Morgan and UBS Financial Services. Outside of finance, he assists part-time in the operations of his family’s Italian restaurant. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, providing customized reports that address income, Social Security, and tax strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored retirement recommendations.

Howard Mattson is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Sagepoint Financial, Inc. for 14 years. He serves as a board member of the South Harrison Board of Education, where he participates in discussions on elementary school policy and curriculum. OSAIC Wealth, Inc. serves a diverse range of clients, including individual investors, pension plans, corporations, and nonprofits, offering brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs advanced portfolio construction tools and supports various managed account solutions through a broad network of affiliated advisors.

Americo Santella is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of finance, he owns and operates a dog grooming business, POSH PETS LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Joseph Frank is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 50 years of industry experience. He has been with Cambridge since 2015 and owns a business selling disability, life, health, and fixed annuity products. He is also the managing member of Frank Family Capital Group LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

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.

Martha Toledo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Christopher Jackowski is a CFP® with nine years of industry experience, currently affiliated with Raymond James Financial. He previously worked at Merrill and spent three years at Saint Joseph's University. He is also associated as an employee with Aspire Wealth Group in a non-investment role. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary advice supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.