Greg Schultheis is a CFP® professional with eight years of industry experience, currently affiliated with CWM, LLC. His prior roles include positions at Carson Wealth, Taylor Financial Group, Park Avenue Securities, Guardian Life Insurance, Goldman Sachs, and The Ayco Company. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm offers portfolio management, financial planning, sub-advisory services, and retirement-plan solutions, utilizing discretionary model portfolios and a mix of fundamental and technical analysis.

David Fuchs is a CFP® with nine years of industry experience, currently serving as a financial advisor at CWM, LLC and Carson Wealth since 2026. He previously worked at Advisors Capital Management, LLC, BNY Mellon Securities Corporation, AXA Distributors, LLC, and Westworld One Cumulus Media. Outside of his advisory role, he assists at Nissim Tutoring Services by creating lesson plans and supporting CFP exam preparation. CWM, LLC is an SEC-registered investment adviser that serves a broad mix of clients, including individuals, high-net-worth families, foundations, corporations, and institutional investors through a network of over 600 advisors. The firm manages discretionary portfolios using model strategies and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools, with a notable focus on retirement plan services and transparent operational practices.

Peter Gordinier is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63 and Series 65 licenses and 30 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and Raymond James Financial Services. He is also involved in Ramapo Wealth Advisors as an independent contractor. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in assets and serving a national client base that includes individuals, pension plans, corporations, trusts, and charitable organizations. The firm offers a range of advisory and portfolio management services, utilizing both in-house and third-party strategies, and provides ongoing monitoring, financial planning, and consulting.

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 Series 66-licensed financial advisor with 22 years of industry experience, currently affiliated with Primerica Advisors. He has worked extensively with Park Avenue Securities and Guardian Life Insurance, holding roles at both firms since 2002 and 2003 respectively. Outside of his advisory work, he manages a long-term care and term life insurance business under Wealth Advisory Group. Park Avenue Securities serves a broad retail client base including individual, high-net-worth, charitable, and corporate clients, offering both brokerage and advisory services. The firm employs a mix of proprietary portfolios, third-party managers, and digital advice platforms to implement investment strategies on discretionary and non-discretionary bases.

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.

Scott Coopersmith is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 18 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 11 years before joining Commonwealth and SDA Wealth Strategies, LLC in 2023. Outside of his advisory role, he is involved in tax preparation and divorce planning through several private entities he owns. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while enabling affiliated advisors to operate under their own brands.

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.

Anthony Roselli is a financial advisor with TIAA-CREF, holding a Series 66 designation and 12 years of industry experience. His career includes roles at Fidelity Personal and Workplace Advisors and E*TRADE Capital Management. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals often connected through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time planning and ongoing portfolio management through model and customized portfolios.

Kambiz Saadat is a financial advisor at OSAIC Institutions, INC. with 36 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at firms including Infinex Investments, Citizens Securities, Cetera, INVEST Financial Corp, PNC Wealth Management, and Raymond James Financial Services. Saadat also serves as a Vice President and financial advisor at ION Bank. OSAIC Institutions, INC. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, and access to alternative investments through a hybrid adviser/broker-dealer structure that emphasizes firm supervision and client choice in investment management.

Justin Cerritelli is a financial advisor with TD Private Client Wealth LLC, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior work includes roles 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 and high-net-worth clients. The firm combines strategic and tactical asset allocation with investments from affiliated and third-party managers, offering portfolio management, financial planning, and custody services.

Robert C. Kievit is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 credentials. He has 42 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. He also provides training services to agencies and agents on practice management and macro-economic planning, including the use of the Living Balance Sheet system. Park Avenue Securities LLC serves a diverse retail client base with transaction-based brokerage and fee-based advisory services, offering proprietary and third-party investment programs, financial planning, and business consulting. The firm utilizes a range of investment strategies and platforms to meet client needs across multiple account types.

Maria Linares is a financial advisor at Citigroup Global Markets with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Linares is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and maintains in-house research and security-pricing activities.

Veton Kaba is a financial advisor at Creative Planning with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edelman Financial Engines, UBS Financial Services Inc., 1st Global Capital Corp., 1st Global Advisors, Inc., and Headquarters Advisory Group, LLC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that includes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Jay Day Jr. is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for 14 years before joining Janney in 2023. Janney Montgomery Scott LLC is a large, dually 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, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Carlos Henriquez is a financial advisor at Citigroup Global Markets with 13 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley for 14 years before joining Citigroup in 2026. Outside of his advisory role, he is a sole proprietor involved in renting part of his primary residence. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and operates with significant institutional scale, including in-house research and a unique role as a swap dealer and futures commission merchant.

Irene Tagarelli is a financial advisor at Citigroup Global Markets with 42 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Santander Securities, LLC and Santander Bank, NA. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm uses multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including operating as a security-based swap dealer and futures commission merchant.

Jill Van Nostrand is a financial advisor with Primerica Advisors and holds a Series 66 designation. She has seven years of industry experience and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2018. Outside of her advisory role, she serves as an adjunct professor teaching music history at Fairleigh Dickinson University and Seton Hall University, and she volunteers on the NAIFA Board of Directors. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services alongside financial and business consulting. The firm utilizes a combination of proprietary model portfolios, third-party managers, and digital advice solutions to implement investment strategies.