Howard Genden is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 31 years of industry experience. His career includes roles at Cetera Wealth Services, North Ridge Securities Corp., and American Portfolios Financial Services. He is also involved in insurance sales and owns Pace Financial Services and POHS Institute. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm operates a multi-manager platform offering model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets through a large network of advisors.

Aldo Pizzoli is a financial advisor at Cetera with 33 years of industry experience. He holds a Series 63 designation and previously worked at Avantax Advisory Services and the Hospital for Special Surgery. Outside of advisory work, he is involved in computer consulting and tax preparation through ACP Financial Group. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a variety of portfolio management and financial planning options. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and bespoke strategies across multiple program structures.

Diane Nigro is a financial advisor at Edward Jones with 26 years of industry experience. She has held the Series 63 designation and has been with Edward Jones since 2013. Outside of her advisory role, she has received income from a separate business activity with Goldman Sachs. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of over 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jesse Newman is a Series 66-licensed advisor with Merrill in Mahwah, NJ, with one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Jesse worked at Equitable Advisors, LLC, InvestorFlow, Intralinks, and ATSG. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates model-based, discretionary, and related investment strategies within Bank of America’s platform, offering access to diverse products and services.

Gary Miller is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 42 years of industry experience. His prior roles include positions at Myriad Wealth Management Group and First Allied Advisory Services. Miller is also a CPA who provides tax preparation services and sells life insurance products. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide, offering a range of advisory and brokerage services. The firm provides both discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources, and supports various investment strategies including alternative and direct indexing options.

Edna Haughney is a financial advisor at Ameriprise with 39 years of industry experience. She holds Series 63 and Series 65 designations and has been with Ameriprise and its related entities since 2012. Outside of her advisory role, she serves on the Board of Directors for the Mahwah Regional Chamber of Commerce. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written Recommendation Reports and ongoing advice focused on income and tax-aware withdrawal strategies.

Manoda Chauhan is a financial advisor at Ameriprise with 27 years of industry experience. She holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Chauhan serves on the Board of Directors for Willowcreek Home Owners and is Vice President and a Board Member of 7 Cross Meadows in Fair Lawn, NJ. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, combining research, modeling, and tax-efficiency analysis in its retirement planning approach.

Vito Uva is a financial advisor at LPL Enterprise with Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at Prudential Insurance Company of America since 1984 and previously at Pruco Securities, LLC for 40 years before joining LPL Enterprise in 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory programs, and brokerage services. The firm combines adviser programs with sales of financial products such as insurance and provides an integrated platform supported by model portfolios and third-party management.

Erik Larsen is a CFP® with 22 years of industry experience, currently advising at Cetera since 2014. He has worked concurrently with Columbia Bank since 2012. Outside of his advisory role, Larsen is involved in health insurance brokerage through The Granite Brokerage. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform combining discretionary and non-discretionary portfolio management, access to third-party money managers, and a range of program structures across diverse custodial relationships.

Mark Milano is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has prior experience running Milano Financial Services, where he provides accounting, tax preparation, consulting, and research services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Laura O'Brien is a Series 66-credentialed financial advisor with Raymond James & Associates, where she has worked since 2015. She has 23 years of experience in the industry and previously operated LAP Creations, LLC for five years. Raymond James & Associates provides financial planning and investment consulting to a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and also delivers institutional consulting and public finance services.

Laura Ingraffea is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and bringing 30 years of industry experience. She has worked at Cetera and its related entities since 2005 and also operates as a CPA with over 40 years in accounting and tax services. Outside of her financial career, she serves as a volunteer emergency medical technician and treasurer for an EMS organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform, supported by a nationwide network of over 10,000 advisors.

Lydia Kotevski is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 1999, focusing on a client-centered approach that combines personalized financial guidance with the investment resources and banking convenience of Bank of America. Lydia and her team apply their extensive experience to managing client portfolios, aiming to meet long-term financial goals while minimizing risk and preserving capital through market fluctuations. Lydia holds the Personal Investment Advisor (PIA) designation. She earned her high school diploma from Garfield High School. Beyond her professional work, Lydia is involved with the National Down Syndrome Society and works closely with families of children with disabilities. She is also active in the theatre and fashion communities. Lydia is a mother of three children and grandmother to three grandchildren.

Robert Hermansen is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he serves as a borough administrator for Emerson, NJ, and has a government role with the Borough of Wanaque, NJ. 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 consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies across discretionary and non-discretionary management strategies.

Sean Maher is an Investment Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2025. He began his career in financial services with Mass Mutual from 2022 to 2023. Sean helps clients manage assets and risks while building strategies to work toward their financial goals. He emphasizes understanding what matters most to clients and their families to develop comprehensive plans tailored to their lifestyles. Outside of his professional work, Sean has interests in fitness, golf, reading, and skiing.

Joseph Russell is a financial advisor with Cetera who holds a Series 66 designation and has 26 years of industry experience. He has previously worked at Avantax Investment Services, Inc., Avantax Advisory Services, Avantax Insurance Services, and 1st Global Advisors. In addition to his advisory roles, he is a director and investment adviser representative at Century Advisory Group, LLC, and a certified public accountant and partner at O'Connor Davies LLP. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving individuals, 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 variety of third-party money managers and program options.

Kenneth Quazza is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. His prior experience includes roles at Smith and Smith Accountants & Auditors, Hy-Test Packaging, and involvement with local education boards in Mahwah and West Milford, New Jersey. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a nationwide network of more than 23,700 financial advisors.

Robert Hebbeler is a financial advisor at Fidelity with 11 years of industry experience. He has held roles at firms including Lehman Brothers Holding Co, Merrill, Bank of America, and Fidelity Investments. He holds Series 63 and Series 66 licenses. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary fundamental research and quantitative analysis. The firm serves as an advisor to multiple registered investment companies and employs algorithmic methods and AI in its investment process.

Jeffrey Orlouski is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at National Securities Corp and Gladstone Wealth Partners. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

James Capitanello is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at OSAIC since 2023. Prior to this, he was with Sagepoint Financial, Inc. and Capacity Benefits & Financial Services Group, LLC for extended periods. Capitanello is also the owner and president of JimCap Consulting, LLC, which receives commissions from life, disability, and long-term care insurance carriers. OSAIC serves a diverse group of retail and institutional clients, including individuals, pension plans, corporations, and charitable organizations, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing in portfolio construction, and supports both discretionary and non-discretionary management accounts with access to third-party money managers.