Peter Derosa is a CFP® with 46 years of industry experience, currently affiliated with GWN Securities Inc. since 2014. He previously spent over three decades at Jost Financial Management Corp., where he was a principal owner. In addition to his advisory work, he is involved in independent fixed insurance sales as a licensed producer with several firms. GWN Securities provides investment advisory and related services to individual and corporate clients through managed account programs, financial planning, and third-party manager introductions. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes both traditional and momentum-based market-timing strategies in its portfolio management.

Jose Raposo is a financial advisor at TIAA-CREF with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Morgan Stanley, E*TRADE Capital Management, and TD Ameritrade. His career includes multiple roles in advisory and investment management across well-known financial institutions. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporations, and small retirement plans. The firm’s advisory model distinguishes between one-time financial planning and ongoing discretionary management using model or customized portfolios, operating under a fiduciary standard with disclosed potential conflicts related to affiliated funds and fee structures.

Elizabeth Ferraro is a CFP® professional with 13 years of industry experience, currently serving as an advisor at Janney Montgomery Scott. Prior to joining Janney, she worked at UBS Financial Services for 10 years, as well as at J.P. Morgan Securities and Equitable Advisors. 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 clientele including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Kyle Wilt is a financial advisor with PNC Wealth Management in Bridgewater, NJ, holding a Series 66 designation and 16 years of industry experience. He has been with PNC Investments LLC since 2013. Outside of his advisory role, he is a member of Blue Hen Holdings LLC, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithmic risk assessment to manage portfolios primarily with mutual funds and ETFs.

Raymond Angelo is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has been with Private Advisor Group, LLC since 2012 and previously worked at UBS Financial Services from 2008 to 2012. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and offers both proprietary and third-party managed account solutions.

Tremaine Bembry is a financial advisor at Hornor, Townsend & Kent, LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Hornor Townsend & Kent since 2019. Prior to that, he was associated with MML Investors Services and MassMutual. Bembry also owns and operates a life insurance brokerage serving attorneys under the Attorney Resource Group brand. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and employs third-party asset managers in both discretionary and non-discretionary account structures.

Jonathan Peck is a financial advisor with Lincoln Investment based in Cranford, NJ, holding a Series 63 license and having 28 years of industry experience. He has worked at Underwriters Equity Corporation since 2002. In addition to his advisory role, Peck is an insurance agent for American General, VOYA, and Genworth, specializing in life and disability insurance. Lincoln Investment Planning, LLC serves a broad client base including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a longstanding focus on educators and 403(b) and 457(b) programs. The firm offers financial planning, portfolio management through model portfolios and third-party managers, and employs an in-house Investment Management & Research team to construct strategic and adaptive investment strategies.

David Haase is a CFP® professional with 29 years of industry experience, currently serving as an advisor at GWN Securities Inc. since 2017. Prior to this, he worked at Legend Equities Corporation for 13 years. Outside of his advisory role, Haase serves as a council member of Faith Lutheran Church and is involved in business consulting. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning solutions. The firm employs a combination of affiliated and unaffiliated sub‑advisers and incorporates both strategic and tactical portfolio approaches.

Monique Thacker is a financial advisor at Valic Financial Advisors with 29 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for HSBC Bank USA N.A. for 11 years. Thacker is also involved with Mindful Departure LLC, operating as The Core Room. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and wrap programs through a large network of advisors and employs a technology-driven approach utilizing unified managed accounts and model solutions.

Michael Melly is a financial advisor at Valic Financial Advisors with ChFC®, Series 65, and Series 63 credentials. He has held various roles in the financial services industry since 2020 and has experience with firms including Cetera and Mass Mutual Life Insurance Co. Outside of his advisory work, Melly has been involved with Celtic Shores Realty since 2010 and Sutton Place Occupational Therapy from 2010 to 2025. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services, utilizing a technology-driven approach with discretionary managed accounts and overlay services.

Frank Deluca is a financial advisor with OSAIC Institutions, Inc., holding Series 65 and Series 63 credentials and 24 years of industry experience. His prior roles include positions at Financial Resources Federal Credit Union, CUSO Financial Services, L.P., Pruco Securities LLC, and Beacon Trust Company. He serves as trustee for the Deluca Family Trust, where he manages investment decisions and asset distributions. OSAIC Institutions, Inc. is an SEC-registered adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments within a hybrid adviser/broker-dealer structure.

Richard Whippee II is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 credential and eight years of industry experience. He has worked at Bankers Life Advisory Services since 2019 and has been with Bankers Life and Casualty since 1995, where he is also active as an insurance agent and branch sales manager. Bankers Life Advisory Services primarily serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to develop tailored asset allocations and ongoing portfolio management aligned with clients’ goals and risk tolerances.

Mary Lynn Skarzenski is a financial advisor with Private Advisor Group, LLC, holding the ChFC® designation and Series 63 license, with five years of industry experience. Prior to joining Private Advisor Group in 2025, she worked with Eagle Strategies and Nylife Securities, and she has been affiliated with New York Life Insurance Company since 2020. Outside of her advisory role, she serves as an assistant basketball coach during the season. Private Advisor Group serves a diverse client base including individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm’s investment approach integrates fiduciary-based advice with access to proprietary and third-party models, utilizing various strategies implemented through technology platforms and external managers.

Nancy Protopapas is a financial advisor with Principal Financial Services in Holmdel, NJ, holding a Series 63 designation and over 22 years of industry experience. She has worked at Principal Securities Inc. since 2002 and Principal Life Insurance since 2001. Outside of her advisory role, she serves as president of Auto Solutions Inc. and is a designated bank officer at Principal Bank and Trust Company, supporting retirement plan account relationships. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty military personnel. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under multiple advisory and promoter arrangements.

Michael De Paola is a financial advisor with GWN Securities Inc. in Bridgewater, NJ, holding Series 65 and Series 66 credentials and five years of industry experience. His prior experience includes roles at Cetera Wealth Services and Mid Atlantic Resource Group. In addition to his advisory work, he serves as an independent agent placing life, disability, and long-term care insurance products through Crump Life Insurance Services. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning offerings. The firm utilizes a blend of affiliated and unaffiliated sub-advisers and employs both asset allocation principles and market-timing strategies in its portfolio management.

Timothy Anthony is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include six years at The Brookings Institution and a period of self-employment before joining Citi in 2020. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and leverages its large institutional scale and market roles to offer complex solutions, including discretionary accounts and alternative investments.

Vatsal Patel is a financial advisor with Eagle Strategies (NY Life) based in Edison, NJ, holding the Series 66 credential and seven years of industry experience. He has worked at firms including Bank of America, Merrill, Edward Jones, and New York Life. Outside of his advisory work, Patel owns and operates a beer and wine convenience store called Windsor Shoppe. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers multiple program types and focuses on tailoring advice to client goals, with a significant portion of assets managed on a non-discretionary basis.

Iglika Dimitrova is a financial advisor with TD Private Client Wealth LLC, holding a Series 66 designation and six years of industry experience. She has worked at TD Bank N.A. and Prudential Insurance Company of America, among other prior roles. Outside of finance, Dimitrova owns and directs Dance Passion NJ, LLC, a ballroom dance school. TD Private Client Wealth LLC offers discretionary wrap-fee managed accounts and brokerage services for institutional, high-net-worth, and retail clients, utilizing a combination of strategic and tactical asset allocation across affiliated and third-party sub-managers.

Robert Schmidt is a financial advisor with \u0026Partners, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Citigroup Global Markets. \u0026Partners serves a diverse client base that includes high-net-worth individuals, institutions, retirement plans, and charitable organizations. The firm offers a range of investment management and financial planning services through both discretionary and non-discretionary approaches, utilizing a combination of fundamental, technical, and quantitative analysis.

Brian Segel is a financial advisor with Eagle Strategies (New York Life) based in Edison, NJ. He holds Series 63 and Series 65 licenses and has 38 years of industry experience. His career includes previous roles at firms such as Cetera, MassMutual, and Citigroup Global Markets. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.