Kurt Schroeder is a CFP® professional with 35 years of industry experience, currently affiliated with LPL Financial. His work history includes prior roles at Private Portfolio Partners, LLC and American Portfolios Advisors, Inc. He is also involved in the sale and service of fixed life and health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary investment strategies.

Shawn Healy is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 designations and 15 years of industry experience. He has worked at UBS since 2018 and previously held positions at JPMorgan Securities LLC and JPMorgan Chase Bank from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Brett Comstock is a financial advisor with Ameriprise in Mendham, NJ, holding a Series 63 designation and 29 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of financial advising, he owns and operates Premier Tree Service, a tree removal and pruning business. Ameriprise provides retirement-income planning services targeting clients with substantial investable assets, combining research, modeling, and tax-efficient strategies to support income planning. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

John Ricker III is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at INVEST Financial Corp. and Santander Securities LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Justin Williamson is a CFP® and ChFC® with 19 years of industry experience. He is currently affiliated with Mass Mutual Investors Services and has been with the firm since 2017. In addition to his advisory role, he works as an insurance agent specializing in individual and group life and health insurance, fixed annuities, and life settlements. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, software-assisted planning methods and provides a range of specialized programs, including divorce planning and estate settlement services.

Dustin Lindley is a financial advisor with Edward Jones in Clinton, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at PRUCO Securities, LLC and The Prudential Insurance Company of America from 2009 to 2018 before joining Edward Jones in 2018. 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 and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

Nikos Antivachis is a financial advisor with OSAIC, holding Series 63, 65, and 66 credentials and bringing 24 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 10 years and is managing member of two insurance-related firms, Jona Income Solutions LLC and Carlton Risk Management, LLC. Outside of his advisory roles, he serves as a board member and travel/tournament director for the Branchburg Baseball Club. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services with access to multiple advisory platforms, third-party money managers, and unified managed accounts. The firm employs asset-allocation tools, automated rebalancing, and supports various portfolio management approaches to meet client needs.

Peter Sit is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 36 years of industry experience. His prior positions include long tenures at Ic Advisory Services, Inc. and The Investment Center, Inc. He also serves in a fiduciary capacity for the Yvonne Franzese Irrevocable Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, leveraging a large network of investment adviser representatives and various advisory platforms.

Robert Connelly is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. His prior work includes eight years at Wells Fargo Clearing Services LLC. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary advisory relationships with periodic recommendations and access to discretionary separately managed accounts, supported by its integrated operational structure and multi-asset model portfolios.

Matthew Chanda is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including Avantax Investment Services and Edward Jones. Outside of financial services, he has experience in the hospitality industry with roles at multiple establishments. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, formal advisory roles to multiple registered investment companies, and integration of AI and algorithmic methods in its investment process.

Michael Vespucci Paxson is a Financial Consultant at Fidelity Investments. He partners with clients to help them create, implement, and maintain their personal financial plans, aiming to be a trusted consultant by understanding their priorities and guiding them to suitable strategies and resources offered by Fidelity. Michael has worked with Fidelity Investments in various roles since 2015, including Financial Consultant from 2015 to 2019, Planning Consultant from 2020 to 2023, and Financial Consultant since 2023. He holds a California Insurance License.

Nancy Bernstein is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 65 licenses and over 41 years of industry experience. Prior to joining UBS in 2022, she worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank from 2014 through 2022. Outside of finance, she was president of a T-shirt business called Queen TS, which is no longer active. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining model-based asset allocations with proprietary research and institutional trading capabilities. The firm offers a range of investment and financial planning services, operating as a broker-dealer, registered investment adviser, and futures commission merchant.

Michael Nisivoccia is a financial advisor with LPL Financial and holds a Series 66 designation. He has 16 years of industry experience, including prior roles at Allied Wealth Partners and Securian Financial Services. He is also involved in selling term life, long-term care insurance, and fixed annuities. 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 advisory and brokerage services through a broad network and provides access to various investment strategies and institutional platforms.

Carole Sarson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her prior roles include positions at Kestra Financial Services, Cetera Wealth Services, Nationwide Securities, and 1717 Capital Management Company. Sarson serves on the Windrush III Condo Association board, a nonprofit organization in Tarpon Springs, Florida. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and retirement advice solutions, supported by research-driven models and technological tools.

Andrew Rathbun is a financial advisor at Edward Jones with 21 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for eight years. Rathbun is also the owner of Andrew J Rathbun Marketing Advisors, LLC, a marketing consulting business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a variety of investment advisory programs and maintains a large network of financial advisors and branch offices across the country.

Mark Oslebo is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with LPL Financial and has previously worked at The Investment Center Inc and Intervest International Equities Corporation. He also has ongoing involvement in non-variable insurance commission activities outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of solutions including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Sonya Ashley is a financial advisor with Primerica Advisors in Piscataway, NJ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has worked with Primerica Financial Services and Primerica Advisors since 1990. Outside of advisory activities, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Cheryl Witte is a financial advisor with Merrill, holding a Series 66 designation and over 21 years of industry experience. She has been with Merrill since 1996 and also works with Bank of America, N.A. since 2017. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Wallach is a financial advisor with Cetera, holding the CFP® and PFS™ designations and the Series 66 license. He has 26 years of industry experience, including over two decades with Cetera and its affiliates since 2005. In addition to his advisory work, Wallach owns Wallach Financial Services, LLC, where he provides tax preparation and planning services. He serves as vice president of the Chi Phi fraternity and is a board member at Hunterdon Preparatory School. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management and consulting services through a nationwide network of independent advisors.

Viviana Lousado is a financial advisor at Charles Schwab with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, Charles Schwab, Fidelity Investments, and Prudential Investment Management Services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management services. The firm is notable for its scale, integrated operational structure, and multi-asset model portfolio approach.