Michael Previti is a financial advisor with Equity Services, Inc. in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Equity Services since 2016 and also operates Integrated Financial Concepts LLC, where he works as an insurance sales agent and provides employee benefit solutions. Previti serves as president of the Egg Harbor Township Soccer Club, overseeing club activities and board meetings. Equity Services, Inc., also known as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often using third-party asset managers and model portfolios, and operates both as a broker-dealer and an SEC-registered investment adviser.

Jake Kreppel is a financial advisor at AE Wealth Management, LLC with four years of industry experience. He holds the Series 66 designation and has previously worked at Alphastar Capital Management, JPMorgan Chase Bank, and Equitable Advisors. Kreppel also serves as Vice President and Independent Insurance Sales Agent at Kreppel Tax Advisory Group, specializing in tax planning and insurance sales. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a wide range of clients, including individuals, corporations, trusts, and ERISA plan sponsors. The firm manages approximately $49.8 billion using discretionary model portfolios and offers comprehensive reporting and client review services through a standardized platform approach.

Paul Branca is a financial advisor with Empower Advisory Group, holding Series 65, Series 63, and Series 66 credentials and bringing 23 years of industry experience. His prior roles include nearly a decade at J.P. Morgan Institutional Investments and National Professional Planning Group. Outside of his advisory work, he serves as a caretaker assisting his disabled daughter. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Mariella Foley is a Certified Financial Planner (CFP®) with 17 years of industry experience. She is currently with Cerity Partners LLC, where she has worked since 2022, following a 22-year tenure at Round Table Wealth Management. Cerity Partners is an SEC-registered investment adviser serving a broad client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation tailored to each client’s profile.

Robert Davis is a CFA® charterholder with 18 years of experience in the financial advisory industry. He has worked at Cerity Partners LLC since 2022 and previously spent 16 years at Round Table Wealth Management. Outside of his advisory role, he serves as a general partner and manager of due diligence, selection, and monitoring for a private equity fund of funds through CV Management GP, LLC. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, corporations, charitable institutions, and other institutional investors. The firm offers a range of services including investment management, financial planning, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Yan Wang is a financial advisor at Transamerica Financial Advisors with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Transamerica Financial Advisors since 2012. Wang is also president of Yongan Corp, a role he has held since 2013. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers both advisory and broker-dealer services with a variety of proprietary and third-party investment programs.

Daniel Armas is a CFP® with 23 years of industry experience, currently serving as a financial advisor at CWM, LLC. His prior roles include positions at Gold Family Wealth, Vanderbilt Securities, Gitterman Wealth Management, and Triad Advisors. Outside of his advisory work, he is a board member of Embrace Kids Foundation, participating in philanthropy and fundraising activities. CWM, LLC is an SEC-registered investment adviser that serves individuals, families, foundations, corporations, and institutional clients through a network of over 600 advisors. The firm provides portfolio management, financial planning, and retirement-plan services, managing accounts primarily on a discretionary basis with model portfolios guided by an in-house Investment Committee.

Caterina Gage is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2007. Outside of her advisory role, she is the authorized representative of Gagliardi Tile Installations LLC, a non-investment-related business that is currently inactive. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with large institutional scale and unique market roles.

Ekta Parekh is a financial advisor with Eagle Strategies (NY Life) based in Edison, NJ, holding a Series 66 designation and five years of industry experience. She previously worked with Mass Mutual Investors Services and MassMutual Life Insurance Company before joining Eagle Strategies and affiliated NY Life entities in 2023. Outside of her advisory role, she is involved as a committee member with Boys Scout Troop 86. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans. The firm offers financial planning, investment management, and retirement-plan advisory services, often integrating insurance and annuity products, with a focus on tailored, mostly non-discretionary advisory solutions.

Craig Ballington is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been affiliated with both Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is involved in life insurance brokerage, serving as an agent and managing partner of related insurance ventures. 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 operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Bridger Dawson is a financial advisor at Mercer Global Advisors Inc. with 10 years of industry experience. He holds the ChFC® designation and securities licenses Series 66 and Series 63. His prior experience includes roles at Edward Jones and Charles Schwab. Mercer Global Advisors serves individuals, families, small business owners, and various institutions, offering comprehensive investment advisory, financial, tax, retirement, and estate planning services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost ETFs, index funds, and other strategies to construct risk-appropriate portfolios.

Jan Nilsen is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ, holding Series 63 and Series 66 licenses and 32 years of industry experience. He has been with Valic Financial Advisors since 2006 and also serves as an agent with Agia, working with non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering wrap programs, portfolio management, and financial planning through a large network of advisors. The firm employs discretionary unified managed accounts using Envestnet’s platform and supports a high client count per advisor with centralized technology and model solutions.

Rakesh Sharma is a financial advisor with Eagle Strategies (NY Life) based in Edison, NJ, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been affiliated with Eagle Strategies since 2014 and also operates DGP Financial, LLC, which focuses on selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, retirement plans, 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.

Luander Mccaskill is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with TIAA-CREF and TIAA since 2015. Outside of his advisory work, he owns a single-family home rental property. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers point-in-time planning services as well as ongoing discretionary management using model and customized portfolios, and it advises the TIAA Donor Advised Fund.

Peter Derosa is a CFP® with 45 years of industry experience. He is currently affiliated with GWN Securities Inc., where he has worked since 2014, and also has a long tenure with Jost Financial Management Corp. outside of his work at GWN. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a network of approximately 423 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including traditional asset allocation and legacy market-timing and momentum-based approaches.

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.

Larry Hughes is a financial advisor at Osaic Advisory Services, LLC with 31 years of industry experience. He previously worked at American Portfolios for 17 years and Nathan & Lewis Securities, Inc. for 29 years. Outside of his advisory role, Hughes also serves as a fixed insurance and fixed annuity specialist with Daniels Financial Services. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm provides a range of services such as investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple advisory program models and various custody and execution platforms.

Heidi Tiong is a financial advisor with Eagle Strategies (NY Life) based in Brooklyn, NY. She holds the ChFC® designation and Series 63 and 65 licenses, with nine years of industry experience. Heidi has worked with NYLife Securities LLC since 2017 and New York Life Insurance Company since 2015. She also operates an insurance brokerage business, Hudson Financial & Insurance Services, Inc., which sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves individual and institutional clients by offering financial planning, investment management, and retirement-plan advisory services. The firm provides a range of advisory programs and emphasizes non-discretionary asset management tailored to client and plan sponsor objectives.

Raymond Angelo is a CFP® professional with 18 years of experience in financial advising. He has been with Private Advisor Group, LLC since 2012 and also maintains an affiliation with LPL Financial. His business activities include operating Angelo & Associates Financial Planning Group, a DBA for his LPL business. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

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.