Gari Semon is a financial advisor at Guardian Life with 17 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Park Avenue Securities, BGS Capital Management LLC, CETERA Financial Specialists LLC, and Victors Maywood. He also operates as an independent financial professional through BGS Capital Management LLC, advising clients based on their goals and risk tolerance. Guardian Life’s subsidiary, Park Avenue Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning and consulting services.

Christopher Tortora is a financial advisor with Guardian Life and holds Series 63 and Series 65 registrations. He has 31 years of industry experience, including five years at Voya Financial Advisors and multiple overlapping roles at Guardian Life and Park Avenue Securities. He is also involved in term and universal life insurance sales. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and proprietary and third-party investment solutions.

Karin Feldstein is a ChFC® credentialed financial advisor with Eagle Strategies (NY Life), based in Saddle Brook, NJ. She has 13 years of industry experience, including roles at New York Life Insurance Co and Nylife Securities LLC. Feldstein operates Persevere Wealth Strategies LLC, which sells New York Life products and brokers non-registered insurance products. Eagle Strategies serves a diverse client base of individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis through a network of affiliated adviser representatives.

Greg Schultheis is a CFP® with eight years of industry experience, currently affiliated with Carson Wealth. His career includes roles at firms such as Goldman Sachs & Co. LLC and The Ayco Company, L.P. He is based in Franklin Lakes, NJ. CWM, LLC operates an enterprise platform managing approximately $50.6 billion through over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, supported by an Investment Committee that constructs and monitors model portfolios using both fundamental and technical analysis.

David Fuchs is a CFP®-certified financial advisor with nine years of industry experience, currently affiliated with Carson Wealth. His prior roles include positions at Advisors Capital Management, BNY Mellon Securities Corporation, and AXA Distributors. Outside of advising, he contributes to Nissim Tutoring Services by assisting in the creation of CFP exam study materials and lesson plans. Carson Wealth is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion under management. The firm serves corporate, institutional, and high-net-worth clients, offering discretionary asset management, financial planning, and retirement plan services through a model portfolio approach overseen by an Investment Committee.

Peter Gordinier is a financial advisor at Steward Partners Investment Advisory, LLC with 30 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Raymond James Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. He is also involved with Ramapo Wealth Advisors as an independent contractor. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in regulatory assets. The firm serves a diverse client base including individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory, financial planning, and managed account services.

Fraj Lazreg is a financial advisor with Money Concepts Capital Corp in Dunkirk, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Money Concepts Capital Corp since 1993 and has also been associated with Columbian Mutual Life Insurance Company since 1986. Outside of his advisory role, Lazreg serves as treasurer for LCG Tax Services, LLC, and is an officer and owner of Integrity Family Resources Inc, an independent insurance agency focusing on Medicare products. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. With approximately 431 advisors managing around $3.33 billion for 14,700 clients, the firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage asset allocations and account rebalancing.

Donald Strangfeld is a financial advisor with Janney Montgomery Scott in Montvale, NJ, holding Series 63 and Series 66 licenses and having 33 years of industry experience. He has been with Janney Montgomery Scott since 1996. Outside of his advisory role, he serves as co-chair of the New Jersey Symphony Orchestra Board. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Elozor Preil is a financial advisor with Guardian Life and holds a Series 66 designation. He has 23 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. He also served at Yeshiva University for 20 years. Outside of his advisory work, he is involved with a wealth advisory group focused on long-term care and term life insurance. Guardian Life, through its subsidiary Park Avenue® Wealth Management, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies, and provides access to insurance products and alternative investments.

Daniel Hankinson is a financial advisor at Eagle Strategies (NY Life) with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Eagle Strategies and NYLIFE Securities, LLC since 2020, as well as New York Life Insurance Company since 2019. Outside of his advisory role, Hankinson serves as a director of the West Milford Chamber of Commerce and volunteers as a head coach for a local travel basketball team. Eagle Strategies serves a diverse client base including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers a range of program types and emphasizes tailoring recommendations to client and plan sponsor objectives, with a significant portion of assets managed on a non-discretionary basis.

Fabiana Coelho is a financial advisor at TD Private Client Wealth LLC with a Series 66 designation and three years of industry experience. Her prior roles include positions at J.P. Morgan Securities, BNY Mellon, and Bank of America Merrill Lynch. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional and high-net-worth private clients, utilizing a combination of strategic and tactical asset allocation through affiliated and third-party sub-managers.

Scott Coopersmith is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds the Series 66 designation and has worked previously at American Portfolios Financial Services, Inc. and MSI Financial Services, Inc. In addition to advising, he is involved in tax preparation and divorce planning through his ownership of related private entities. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody/clearing services, serving both individual and institutional clients.

Antonio Alves is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles and arrangements.

Victor Cepeda is a financial advisor with TD Private Client Wealth LLC in Ramsey, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Allstate Insurance Co for 15 years before joining TD Bank N.A. and TD Private Client Wealth LLC in 2023. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients, offering portfolio management, access to various investment vehicles, and financial planning support through a combination of affiliated and third-party sub-managers.

Nicholas Smerina is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds the Series 66 designation and has been with Citigroup Global Markets since 2008. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and offers specialized solutions for high-net-worth clients alongside its institutional-scale operations.

Justin Cerritelli is a financial advisor with TD Private Client Wealth LLC, holding Series 66 and Series 63 licenses and 18 years of industry experience. His previous roles include positions at Bank of America, Merrill, Provident Bank, and LPL Financial. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth private, and retail clients, combining strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Robert C. Kievit is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has worked with Guardian Life and Park Avenue Securities since 2016, with prior experience at International Planning Alliance, LLC. He also provides occasional training on practice management and macro-economic planning, including the use of the Living Balance Sheet system, to agencies and agents. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and provides a range of financial planning and consulting solutions tailored to client needs.

Donovan Williams is a financial advisor with Eagle Strategies (New York Life) in White Plains, NY, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Bank of America, Merrill, Citigroup, Prudential, David Lerner Associates, and Ernst & Young. Eagle Strategies serves a diverse client base, providing financial planning, investment management, and retirement plan advisory services through a large network of affiliated advisers. The firm offers multiple program types tailored to client objectives and serves both individual investors and institutional plan sponsors, managing the majority of its assets on a non-discretionary basis.

Richard Austin is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His previous roles include nearly two decades at Lincoln Financial Advisors Corporation and ongoing work with LPL Financial, LLC. Outside of investment advisory services, he is involved in the sale of fixed life insurance and related products. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, consulting, and family office services, utilizing customized portfolios with mutual funds, ETFs, equities, and fixed income within a primarily long-term investment approach.

Jay Day Jr. is a financial advisor at Janney Montgomery Scott with 39 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Merrill Lynch and Morgan Stanley. Janney Montgomery Scott is a large dual-registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.