Jeffrey Brehm is a financial advisor with Ameriprise in Brielle, NJ, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his primary role, he is involved in a partnership with another Ameriprise advisor at Munn and Associates. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

Yitzchak Goldsmith is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 18 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2015. In addition to his advisory role, he is also engaged as a sales agent in life and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Philip Rachmelowitz is a financial advisor with Cetera based in Lakewood, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long-term roles at Avantax Advisory Services, Avantax Investment Services, and Avantax Insurance Agency. In addition to advisory work, he operates a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Charles Sergewick is a financial advisor with Merrill based in Toms River, NJ, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Merrill since 2014 and concurrently with Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christian Fusco is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. His career includes prior roles at LogicSource, Inc. and educational positions at the University of St Andrews, George School, and Peddie School. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.

Waltraud Grande is a CFP® with 44 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2021. Her prior experience includes roles at Cetera Advisor Networks, Summit Financial Group, Wells Fargo Advisors, and operating Grande Financial Services, Inc. for over three decades. Grande is a part owner of Grande Financial Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and nonprofits. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, distinguishing it within the institutional advisor category.

Scott Brady is a Certified Financial Planner (CFP®) with 22 years of industry experience. He is currently with Cambridge Investment Research Advisors and has prior experience with firms including Ic Advisory Services Inc and TFS Securities, Inc. Brady serves as Treasurer and Board Member of the Carmie Brady Foundation, a nonprofit organization. Cambridge Investment Research Advisors is an SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment strategies through multiple platforms and maintains both proprietary and third-party model-based solutions.

Shaun Ahern is a financial advisor at Cetera with three years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Cetera, he worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of finance, he was involved with Prime 13 Steakhouse and operated Reef and Barrel for several years. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers and various program structures.

Alessandra Panagos is a CFP®-certified financial advisor with four years of industry experience. She is currently with Cetera and also works as an assistant at Jack Oujo CPA, Inc dba Oujo Wealth Strategies, supporting tax and retirement planning services. Her previous experience includes roles at Avantax and Fidelity Investments. Cetera Investment Advisers LLC is a nationwide firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over $256 billion in assets under management and more than 10,000 advisors.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Stephen Hawthorne is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at firms including Allied Wealth Partners and Securian Financial Services and currently operates Hawthorne Wealth Management LLC, a separate expense management business. Hawthorne also serves as the Youth Advisor Training Chair for NAIFA New Jersey and holds a volunteer secretary position with the National Association of Insurance and Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Dorothy Wilson is a financial advisor with Cetera, holding the PFS™ designation and Series 63 and 65 licenses, with 24 years of industry experience. She has been with Cetera since 2009 and also operates an accounting and tax services firm, Dorothy A Wilson CPA, which she founded in 1999. In addition to her advisory role, she owns an online sales business and serves as an insurance agent selling Medicare supplemental insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures and custodial relationships.

Michael Cassidy is a Series 66-licensed financial advisor with Equitable Advisors and has two years of industry experience. Prior to his current role, he served for over two decades with the West Orange Police Department. Outside of finance, he is involved in local politics as Vice Chair of the Hanover Township Republican Committee and Vice President of the Hanover Township Republican Club. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, institutions, and charitable organizations. The firm employs a range of advisory models implemented through third-party managers and offers ERISA fiduciary services without sponsoring its own wrap fee program.

Patrick Parrino is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior work includes roles at TFS Securities, Inc., Equitable Advisors, and T3 Trading Group, LLC. Outside of his advisory work, he sells sports cards on eBay. Fidelity Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Anjelica Brinkofski is a Financial Advisor at Merrill Lynch Wealth Management, where she has been since 2017. She specializes in assisting business owners with exit strategies, focusing on aligning business and personal financials to prepare clients for company sales and post-exit financial planning. Utilizing proprietary strategies like the Personal Wealth Analysis, she helps clients optimize their company's reporting, lending structures, and personal wealth planning to maximize opportunities when considering an exit. Her expertise extends to retirement planning tailored for entrepreneurs, women, and families transitioning through life changes such as college planning or retirement. Anjelica also emphasizes tax management and fiduciary responsibilities in her financial planning. She holds multiple professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She earned both her Bachelor's and Master's degrees from Rutgers University. Anjelica is involved with the Rutgers Track & Field program and participates in community organizations, including the Jersey Shore Running Club, Jersey Shore Triathlon Club, and serves as an advisory board member of United Way. She resides in Manasquan, New Jersey, with her family and is a mother of two. Anjelica is a former college athlete and active triathlete, integrating dedication and perseverance into her professional practice.

Andrew Lindenbaum is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Sorella Bella and Hallmark. Outside of his financial career, he has been involved with Monmouth Regional High School and the New Jersey PTA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies.

Peter Richardson is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served on the Perth Amboy Board of Education for nine years and has held other community roles related to local education and sports organizations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large nationwide network of financial advisors and branch offices.

Richard Fitzsimmons is a financial advisor with Merrill in Manasquan, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at both Merrill and Bank of America, N.A. since 2014 and 2015 respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Daniel Fantozzi is a financial advisor at Cetera with Series 63 and Series 65 licenses and four years of industry experience. He is also involved with Brendon Pierson, Inc., a financial planning and CPA firm that provides financial advice and accounting services. Fantozzi’s work history includes positions at Avantax Advisory Services, The Vanguard Group, and multiple educational institutions. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, corporate, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.