John Gallagher is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Gallagher also holds a real estate license. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Joseph Kopec is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2009. Kopec also has experience in non-variable insurance, dedicating part of his time to this area alongside his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and a variety of investment strategies.

Luis Ponce is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Edward Jones, The Prudential Insurance Company of America, and Pruco Securities, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Dennis Profaca is a financial advisor with LPL Financial, holding the Series 63 designation and bringing 28 years of industry experience. He has worked with Morristown Financial Group since 2007 and Linsco Private Ledger since 2006. Outside of advising, he acts as a health insurance broker for small businesses in New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a nationwide network. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management along with model portfolios and research support.

Marion Cuff is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at FSC Securities for over two decades, among other firms. Outside of advising, she serves as a trustee of the Seneca Lake Club, Inc., where she participates in governance and decision-making for the local lake association. OSAIC Wealth, Inc. provides services to a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage, investment advisory, financial planning, and retirement plan consulting. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to third-party money managers and alternative investments.

Joseph Johnston Jr. is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also serving at JPMorgan Chase Bank, NA since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Nicholas Miserendino is a financial advisor at Merrill with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Al Elnasser is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with First Allied Advisory Services and First Allied Securities. Outside of his advisory role, he is involved in real estate ownership. Cetera Investment Advisers LLC distributes services through a large nationwide network of independent advisors, serving a range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and consulting services with access to third-party money managers and multiple program structures.

Scott Siripalaka is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Northwestern Mutual and Foresters Financial Services. Since 2005, he has been affiliated with Thrivent in various capacities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses and planning without discretionary trading authority. The firm integrates planning with a managed-account program under a consolidated billing option known as WealthPlan, while maintaining planning and investment management as distinct services.

Frank Korszoloski IV is a CFP® professional with 27 years of experience in the financial industry, currently serving at LPL Financial since 1998. Based in Newton, NJ, he holds Series 63 and Series 65 licenses. Outside of his advisory role, he works as a stationary engineer with Local 68 Operating Engineers. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Surabhi Sharma is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses and has three years of industry experience. Prior to her current role, she worked in the healthcare and pharmaceutical sectors, including positions at John Theurer Cancer Center and multiple pharmaceutical companies. She also engages in part-time sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven investment strategies managed by unaffiliated asset managers and supports client accounts with custodial and trade execution services from Pershing and BNY Mellon Advisors.

Edmund Tschopp is a CFP® and ChFC® with 32 years of industry experience. He is currently with Osaic and previously worked at American Portfolios Financial Services, Inc. for eight years. He also provides estate, retirement planning, and insurance services through Kempson & Tschopp, LLC, and volunteers as a financial course facilitator at his church. Osaic Wealth, Inc. serves retail and institutional clients through a large network of advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and managed accounts. The firm uses a variety of asset allocation tools and platforms to construct portfolios that include a wide range of investment types.

Edwin Kulawiak II is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cetera and related entities since 2001. In addition to his advisory role, he owns and operates a tax practice, Nerenberg & Kulawiak, Inc., where he provides income tax preparation, business bookkeeping, payroll preparation, and tax and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with various program options and affiliations supporting its scale and product offerings.

Helen Sengor is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and concurrently at JPMorgan Chase Bank, N.A. since 2006. Sengor also operated Helen Enterprises from 2008 to 2016. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Douglas Sheroff is a Wealth Management Advisor at Merrill Lynch Wealth Management. He applies a client-focused approach to help individuals and families understand their current financial situation, define their future goals, and develop efficient strategies to achieve those objectives. His practice emphasizes the importance of personalized financial planning tailored to each client's unique needs and aspirations. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) credential. Douglas earned his Bachelor's degree from Quinnipiac University, where he studied Entrepreneurship and Small Business Management. His expertise includes family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, sports and entertainment, tax minimization, and retirement income. Outside of his professional life, Douglas is active in his local community, participating in the Chamber of Commerce and supporting organizations such as the Intrepid Fallen Heroes Fund and Musconetcong Lodge #42 F&AM. His personal interests include adventure sports, boating, cooking, golfing, skiing, and traveling.

Timothy Dalton is a financial advisor at Edward Jones with 34 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operates under a fiduciary standard, and maintains a large nationwide network of advisors and branch offices.

Michael Gollenberg is a financial advisor at Thrivent Investment Management with 17 years of industry experience. He has been with Thrivent Investment Management since 2009 and Thrivent Financial for Lutherans since 2010. He holds Series 63 and Series 66 designations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers a broad range of topics and allows clients to integrate planning with managed-account programs while maintaining separate service structures.

Carolyn Ottenbreit is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Sparta, New Jersey office. She holds the CERTIFIED FINANCIAL PLANNER® professional designation and serves a select group of affluent clients, including current or retired corporate executives and professionals. Carolyn joined Merrill in 1986 and transitioned to the Private Client Group in 1996 after ten years in corporate finance. Carolyn's expertise encompasses managing all aspects of clients' finances and investments, offering services such as retirement planning, estate planning, tax minimization strategies, philanthropic planning, portfolio management, and retirement income planning. She leverages the global resources of Merrill and collaborates with specialists and clients' tax and legal advisors to provide comprehensive financial strategies. Carolyn emphasizes financial education to foster a collaborative client-advisor relationship. She holds a bachelor's degree from Princeton University and a master's degree from The Wharton School at the University of Pennsylvania, where she concentrated in finance. Carolyn has also been actively involved in community organizations, having served as Past Chairperson of The SCARC Foundation, Inc., and Past President of the Newton Rotary Club in New Jersey. Her personal interests include cooking, reading, and traveling.

Mary Mc Govern is a Series 66-licensed financial advisor at Thrivent Investment Management with 20 years of industry experience. Her prior roles include positions at Morgan Stanley, Wilmington Trust NA, Merrill, and Bank of America. She also worked as a caregiver for two years. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing holistic, goal-based financial plans without discretionary trading authority. The firm allows clients to combine planning with managed accounts through a consolidated billing option called “WealthPlan,” while keeping these services separate.

Jay Kimball is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has 20 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of finance, Kimball manages an auto racing team, overseeing its administration and maintenance. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and access to a broad range of brokerage and insurance products.