Annmarie Miller is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 31 years of industry experience. Her work history includes over two decades at Metlife Securities Inc. and a role at Sephora as a skin care specialist. In addition to her advisory duties, she is also an insurance agent licensed in individual life, property and casualty, health, group life, group health, fixed annuities, and long-term care. 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 financial planning, asset management, and educational seminars, utilizing firm-approved software tools and offering event-driven planning services.

Daniel Holdt is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he serves on several nonprofit boards, including Birth Haven, the Diocese of Paterson, The ARC of Sussex County, and the Kittatinny Education Foundation. 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 third-party managers and LPL programs. The firm operates a hybrid advisory and brokerage model, tailoring services based on client goals and risk tolerance.

Michael Boudway is a CFP® with 18 years of industry experience, currently advising at Cetera. His work history includes roles at Securian Financial Services, Minnesota Life Insurance Company, Allied Wealth Partners, and Alpine Wealth Planning LLC, where he is also the owner of an expense management business. He is a member of the Donville Rotary Club, engaging in community outreach activities. Cetera Investment Advisers LLC serves a broad range of clients including individual investors, employer‑sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi‑manager investment platform with discretionary and non‑discretionary portfolio management, financial planning, and access to third‑party money managers.

Olivia Chiaramonte is an Investment Consultant who collaborates with clients to develop tailored financial plans aligned with their overall goals. She focuses on various milestones, including college funding, house purchases, and retirement planning, providing guidance and support throughout the process. Her professional experience includes roles as a Financial Representative at Fidelity Investments from 2024 to 2025 and as a Financial Services Representative at the same firm from 2023 to 2024. These positions have contributed to her expertise in financial planning and client service. Outside of her professional work, Olivia has personal interests in cooking and baking, fitness, music, reading, and volunteering.

Paul Damico is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked at Cetera, Allied Wealth Partners, Securian Financial Services, and Mass Mutual in various advisory roles. Outside of his advisory work, he is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad range of clients including individuals, employer-sponsored retirement plans, corporations, charitable organizations, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and various specialized program options.

William Parisi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at LPL Financial since 2019 and was previously with M&T Securities for eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by extensive research and diversified investment strategies.

Michael Hazen is a Series 66 licensed advisor with Merrill, based in Succasunna, NJ, and has three years of industry experience. His prior roles include positions at Bank of America, ConnectOne Bank, and Capital One Bank. 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 and profit-sharing plans, corporations, and charitable organizations.

Larry Lensak is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has worked at Cetera and its affiliate firms since 2021 and was previously with Voya Financial Advisors from 2014 to 2021. In addition to his advisory role, Lensak owns a business that provides income tax preparation services and operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC 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 discretionary and non-discretionary options, supported by extensive affiliations and a nationwide network of advisors.

Steven Oroho is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Investment Services, Nisivoccia Wealth Advisors, and Cadaret, Grant & Co., Inc., among others. Outside of financial advising, he serves on the board of a nonprofit corporation that owns local newspapers and is an elected board member at Centenary University. Cetera Investment Advisers LLC is a large, SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with a broad range of program options and over $256 billion in assets under management.

Ted Davis is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at RBC Capital Markets for 11 years before joining Stifel in 2020. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with a focus on fee-based financial planning. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Steven Ornstein is a financial advisor with RBC Capital Markets in Randolph, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with City National Bank since 2018 and with RBC Capital Markets, LLC since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by a notable capital markets presence and affiliated asset management capabilities.

Michael Flynn is a CFP® with 17 years of industry experience, currently affiliated with Edward Jones since 2024. His prior roles include positions at Peapack Gladstone Bank, Prudential Insurance Company of America, and LPL Financial, LLC. He serves as a board member of the Westfield Area YMCA, participating in committees focused on financial development, investment, and organizational planning. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts, supported by a large nationwide network of financial advisors and branch offices.

Daniel Rodriguez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and over 10 years of industry experience. He has been with J.P. Morgan Securities since 2015 and also owns Chameleon Refinishing, a sole proprietorship focused on selling and restoring antique furniture. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory capabilities with broker-dealer and investment adviser registrations, offering a range of advisory and brokerage services.

Robert Bruno is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005 and is also a partner at Bruno Calotta & Associates LLP, an accounting and tax practice. Outside of his advisory work, he is a partner in a family-owned office building partnership. 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 with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and investment strategies.

Kimberly Dallon is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. In addition to investment advising, she is involved in sales of loan products and home-related services through affiliates of her firm. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-based strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Michael Colannino is a CFP® with 35 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2019 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves on the finance board of St. Lawrence the Martyr Church, advising on budgeting and investments. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients who meet a net-worth threshold, utilizing Wells Fargo’s research and tools to develop recommendations delivered through meetings and written reports.

James Hughes is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he holds various insurance appointments. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, working extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

Sasa Palavestra is a financial advisor at LPL Enterprise with 21 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs. The firm combines advisory services with brokerage and insurance product sales through an integrated platform.

Elizabeta Crevar is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 10 years of industry experience. She has worked with various Fidelity entities since 2014, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. 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 is notable for its use of systematic methodologies, oversight of multiple advisory roles, and incorporation of AI and long-term asset allocation strategies.

Joseph Policastro is a CFP® with two years of industry experience, currently serving as a financial advisor at Cetera in Montville, NJ. He also holds roles at Nisivoccia LLP and Wealthspring Financial Partners, where he supports financial planners and manages tax preparation and financial planning activities. His prior experience includes positions at Grant Thornton LLP, Withum Smith & Brown PC, and G-III Apparel Group LTD. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.