Ahlam Maad is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. She has worked at The Prudential Insurance Company of America and Pruco Securities LLC prior to joining LPL Enterprise. Maad is also involved with Phoenix Financial Group, a DBA associated with her LPL business activities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm emphasizes model-driven investment implementation and offers a range of services including financial planning, access to third-party asset managers, and affiliated insurance and trust services.

David Amato is a financial advisor at Cetera with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Kearny Bank, Prudential Insurance Company of America, and PNC Investments LLC, among others. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary options.

Bill Jones is Vice President and Financial Consultant at Fidelity Investments. In this role, he works closely with clients to develop personalized financial plans tailored to their individual and family needs, regularly reviewing these plans to ensure alignment with their evolving priorities. He collaborates with a team of wealth planning specialists to provide comprehensive support throughout the financial planning process. Bill joined Fidelity Investments in 2013 and has held several positions within the company, including Financial Representative, Investment Solutions Representative, Retirement Solutions Representative, Workplace Planning Consultant, Investment Consultant, and Financial Consultant before assuming his current role in 2024. His experience spans various areas of financial advising, including investment consulting and retirement solutions. Outside of his professional responsibilities, Bill enjoys golf, reading, skiing, and traveling.

Anthony Chuck is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked for Morgan Stanley Private Bank, National Association, where he spent 10 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Matthew Libien is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he serves as treasurer for The Actors Temple/Congregation Ezrath Israel in New York and The Tenafly Foundation, where he is involved in fundraising activities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michael Levine is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Oppenheimerfunds for 24 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kenneth Ramirez is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he serves as Senior Vice President - Wealth Management and Portfolio Manager. He has been with Merrill Lynch since February 2011 and brings extensive experience from previous roles at UBS Financial Services, Paine Webber, and Kidder Peabody. His career in the financial services industry began in 1992. Ramirez specializes in wealth management solutions tailored for High Net Worth and Ultra High Net Worth clients. His expertise focuses on areas including college education planning, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He approaches his work by implementing disciplined processes to help clients pursue their financial goals while adapting to changes in the market and client circumstances. Ken holds a Bachelor of Arts degree in Marketing and Finance from Boston College's Carroll School of Management. He is a member of the Municipal Bond Club of New York and holds the Personal Investment Advisor (PIA) designation. Outside of his professional pursuits, he enjoys basketball, biking, boating, and spending time with his family.

Peter Zagrobelny is a financial advisor with LPL Financial based in Airmont, NY, holding a Series 66 designation and 21 years of industry experience. His prior roles include positions at Webster Bank, Sterling National Bank, CitiGroup Global Markets Inc., Merrill, Guardian Life, and Chase Investment Services Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio management programs, and supports advisors with research and operational tools.

Robert Oneill is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with PFS Investments, Inc. since 2003 and with Primerica Financial Services since 2002. Outside of advisory services, he is involved in the sale of loan products through Primerica Mortgage, LLC and referrals for home security and automation products via Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating on a tiered wrap-fee basis rather than fixed fees.

Easton Brenner is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Sullivan O'Neil Group. He joined the firm in 2025 following his graduation from Lafayette College. At Lafayette, Easton earned a bachelor's degree with a double major in Economics and Policy Studies while competing as a four-year starter on the baseball team. Easton's areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for defined benefit plans, liquidity management, personal retirement planning, philanthropic planning, small business strategies, sports and entertainment, and individual and corporate investment strategy. He holds the Personal Investment Advisor (PIA) designation and is actively involved in the Hudson Baseball Club. In addition to his professional work, Easton resides in Hoboken, New Jersey, where he dedicates time to coaching high school and collegiate athletes. His personal interests include adventure sports, baseball, boxing, camping, fishing, golfing, hiking, hunting, pickleball, and yoga.

Raymond Chera is a financial advisor with Wells Fargo Advisors and holds Series 63 and Series 66 licenses. He has 15 years of industry experience, including prior roles at Capital One Sharebuilder and Woodbury Financial Services. Outside of his advisory work, he serves as president of Elite Wealth Managers LLC, providing investment advice and financial planning. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and fee-based financial planning services. Advisors use Wells Fargo’s research and planning tools to develop tailored recommendations, with clients choosing how to implement them through various firm programs.

Jenna Fass is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and has prior work experience in the food services sector, including roles at Root Nine Baking Company and Dartcor Food Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary capital market assumptions and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Valerie Sanchez is a financial advisor at Morgan Stanley with 27 years of industry experience. Her prior roles include positions at Divine Asset Management LLC, Essex Securities, Empire Asset Management Company, and Guardian Life Insurance Company. Outside of her advisory work, she owns a furniture painting and decor business and is a contractor at a hair and beauty salon. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that provides tailored financial planning and advisory programs to both individual and institutional clients, managing approximately $2.74 trillion in client assets.

Kevin Sincavage is a Series 66-licensed financial advisor with LPL Financial in Paramus, NJ, and has 12 years of industry experience. He previously worked at Private Portfolio Partners, LLC for 10 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a platform supported by proprietary research and technology tools.

Mami Ogawa is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Skylands Global LLC and Lord Capital LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that blends fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its roles as a commodity pool operator, advisor to registered investment companies, and developer of model portfolios using systematic methodologies.

Christopher Hanly is a financial advisor with Raymond James & Associates in Paramus, NJ. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 16 years of industry experience. Prior to joining Raymond James in 2021, he worked for Bruderman Brothers LLC and Bruderman Asset Management, LLC from 2015 to 2021. Hanly is also a member of Legacy Benefit Assurance LLC, where he sells insurance products and receives commissions. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension plans, charitable organizations, and government entities. The firm offers financial planning and investment consulting with a variety of portfolio management styles and provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Andrew Maldonado is a financial advisor with Merrill in Paramus, NJ, holding Series 66 and Series 63 licenses and 27 years of industry experience. He worked previously at MBSC Securities Corporation for eight years before joining Merrill in 2022. Maldonado serves as a Tennis Trustee at the Beacon Hill Club and holds board positions with the Commerce & Industry Association of New Jersey and the New Jersey Policy Research Organization Foundation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Jason Braunstein is a financial advisor with Mass Mutual Investors Services in Paramus, NJ, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and joined Mass Mutual Investors Services in 2017. Braunstein also operates an outside insurance sales business focusing on life, disability, long-term care, fixed annuities, and 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 financial planning, asset management, and educational programs using firm-approved analytics, offering recommendations without discretionary authority.

Francesco Federico is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked previously at JP Morgan Chase Bank, PNC Bank, and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings, serving institutional clients with tailored plan-level solutions.

Gary Bonavita is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 42 years of industry experience. His prior experience includes nearly four decades with Metropolitan Life Insurance Company and MetLife Securities Inc. He also serves as a notary public, providing document witnessing services without charge. Mass Mutual Investors Services operates as 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 financial planning engagements that utilize firm-approved software to analyze client goals and deliver written recommendations.