David Zaccaria is a financial advisor with OSAIC, holding a Series 63 designation and 31 years of industry experience. He has worked at OSAIC since 2024 and has prior experience with Securities America Advisors, Inc., among other firms. Outside of advising, he serves as the wrestling director for the West Essex Junior Knights, a youth recreation program. OSAIC serves a diverse range of retail and institutional clients through an extensive network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to multiple managed account platforms. The firm utilizes asset-allocation tools and supports both discretionary and non-discretionary portfolio management, incorporating a broad selection of investment vehicles.

Randall Egan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates the Egan Wealth Management Group as a DBA. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Nathan Goldwasser is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 37 years of industry experience. He previously worked at METLIFE Securities Inc. for 18 years and has been with Mass Mutual and its affiliated firms since 2016. Outside of his advisory role, he operates an insurance brokerage business specializing in life, fixed annuities, disability, and long-term care products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver collaborative, annual planning engagements.

Andrea Hauptman is a financial advisor with Cetera in Parsippany, NJ, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has held various roles since 2011, including positions at Securian Financial Services, Allied Wealth Partners, and Alianza Services Corp. Outside of her advisory work, she serves as Controller for Alianza Services Corp, an authorized Herman Miller furniture dealer. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Michael Ciano is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his main role, he owns a 50% interest in CRT Private Wealth Management and is involved in an insurance-related advisory role with Princeton Harriman Insurance Solutions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and special-needs analysis, supported by Wells Fargo research and tools.

Francis Brogan is a financial advisor with Cetera based in Parsippany, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked with firms including Allied Wealth Partners and Securian Financial Services. Outside of advisory activities, he is also involved in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services delivered through a large nationwide network of independent advisors.

Santiago Martinez Sanchez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes positions at Wells Fargo and Bank of America. Outside of finance, his background includes roles in education and sports management. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

John Downes is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His work history includes roles at Fidelity Investments since 2022, as well as prior positions in various fields including higher education and business. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to build model portfolios from mutual funds, ETFs, and ETPs, while also providing oversight and consulting services.

Joseph Plourde is a financial advisor with Equitable Advisors in Verona, NJ, holding a Series 66 designation and possessing 25 years of industry experience. He has worked at Equitable Advisors since 2000 and previously at Axa Advisors LLC for 20 years. Outside of his advisory role, he is involved part-time in an insurance brokerage business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Daniel Vidovich is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Prior to joining Ameriprise in 2017, he worked at City National Bank and RBC Capital Markets LLC. Outside of advising, he is involved in managing seasonal rental properties through his ownership interests in related businesses. Ameriprise is an institutional firm that offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to provide written, non-discretionary recommendation reports, supported by a centralized consulting team and algorithmic tools.

Azam Chaudry is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Merrill and Sunbird Software Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management, fund advisory, and model portfolio delivery, with noted use of systematic methodologies and regulatory oversight.

Sharif Marzouk is a financial advisor with Equitable Advisors in Morris Plains, NJ, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he owns and operates a property and casualty insurance agency and is involved in a car trading hobby through a separate business entity. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a network of third-party asset managers and LPL programs. The firm utilizes a hybrid referral and implementation model combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Brad Katz is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has worked at Cetera and its affiliates since 2007 and is the owner of Lifelong Investments LLC. Katz also serves as an instructor and is the secretary of a nonprofit booster club, where he manages financial records. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

V Kempson III is a CFP® professional with over 41 years of industry experience. He currently works at OSAIC and has previous experience at American Portfolios Financial Services, Inc. and Kempson & Tschopp, LLC, where he is a 50% partner of a wealth strategies group focused on insurance, financial, and estate planning. Outside of finance, he is also a musician. OSAIC serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports multiple advisory platforms and legacy programs.

Daniel Rushefsky is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and over 20 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and at MetLife Securities Inc. from 2007 to 2017. Outside of his advisory role, he provides companion care for seniors and disabled individuals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships using firm-approved analytical tools and offers a range of programs including estate settlement and employer-sponsored planning.

Shanti Moore is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. She has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 2012. In addition to her advisory role, Moore is involved in the sale of home security and automation products and other home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides discretionary portfolio management supported by BNY Mellon Advisors and Pershing for trade execution and custody.

James Hundley is a financial advisor with LPL Financial, holding PFS™ and Series 63 designations and bringing 32 years of industry experience. His prior work includes roles at Ic Advisory Services Inc, The Investment Center Inc, and HD Vest Insurance Agency Inc. Hundley is also a CPA with over 30 years in accounting and tax preparation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs supported by model portfolios and research, combining discretionary and non-discretionary management approaches.

Austin Hynes is a financial advisor with Edward Jones, holding a Series 66 designation and bringing 10 years of industry experience. He 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 manages approximately $1.01 trillion in assets under management and offers a range of advisory and investment services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Paul Devera is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. He has worked with Cetera and its affiliates since 2005 and has operated Devera And Co. since 1994. In addition to his advisory role, he owns a CPA business specializing in tax preparation, planning, and consulting. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with a variety of portfolio management and retirement services, supporting over 10,000 advisors and approximately $256 billion in assets under management.

Natalia Giampietro is a financial advisor at Cetera with Series 63 and Series 65 licenses and one year of industry experience. Her prior roles include positions at Raymond James Financial Services, Money at Work, LLC, and Capital Craft. Cetera Investment Advisers LLC is an SEC-registered advisor that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers and various program structures.