Wayne Brunck is a CFP® with 41 years of industry experience, currently affiliated with OSAIC since 2024. His prior roles include positions at American Portfolios Financial Services, Inc. and Questar Asset Management. Outside of his advisory work, he owns Partners in Planning, Inc., an insurance brokerage offering fixed annuities and various insurance products. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and third-party platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Frances Goldstein is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and having 46 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Outside of her advisory role, she is involved in purchasing and occasionally selling antiques. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Jose Martinez is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Certified Financial Services and the UFCW National Health & Welfare Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Matthiew Martinez is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA, as well as positions outside finance at Petco and Modell's Sporting Goods. He also has experience associated with Pace University. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI in research, and its roles as a commodity pool operator and advisor to various registered investment companies.

Scott Siripalaka is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Northwestern Mutual and Foresters Financial Services. Since 2005, he has been affiliated with Thrivent in various capacities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses and planning without discretionary trading authority. The firm integrates planning with a managed-account program under a consolidated billing option known as WealthPlan, while maintaining planning and investment management as distinct services.

Americo Lisboano is the Senior Resident Director at Merrill, leading the Montvale, New Jersey office. He has been with Merrill since 1996 and brings extensive experience in wealth management, serving High Net-Worth investors with complex financial situations. Americo is committed to providing clients with sound financial advice, premier service, and extensive resources to help them achieve their financial goals. He manages discretionary portfolios through personalized or defined strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Americo holds the Chartered Retirement Planning Counselor™ designation, along with other professional certifications including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He assists clients in developing strategies to manage their personal and business assets and liabilities, considering their goals, time horizons, and risk tolerances. A graduate of Rutgers University, Americo has been active in the financial services industry since 1992. In addition to his professional work, Americo is involved in the community as a board member of the Bergen County United Way. He also has language proficiency in Portuguese and English.

Gregory Amerkanian is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He previously worked at Bank of America and Merrill. Outside of his advisory role, he coaches youth hockey at Englewood Field Club and serves on the board and finance committee of The Elisabeth Morrow School, where he is also the proposed treasurer. He is a trustee of the Armenian Church Endowment Fund. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. 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 through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Michael Valenza is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at HSBC Securities, HSBC Bank USA, and Morgan Stanley Private Bank. He has been with Charles Schwab since 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment guidance with a multi-asset model portfolio approach.

Christine Maushardt is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. She has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. She operates WATERSEDGE WEALTH MANAGEMENT as a business related to her work with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of advisory services through a large network of independent advisors.

Mark Cinotti is a Series 66-credentialed financial advisor with 14 years of industry experience. He has worked at Ameriprise since 2020 and previously spent nine years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in a family-owned LLC that was established for real estate management but is no longer active. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Thompson is a financial advisor with Cetera in Oakland, NJ. He holds Series 63 and Series 66 licenses and has 34 years of industry experience, including 21 years with Cetera and Cetera Financial Specialists LLC. In addition to his advisory role, he owns and operates a tax preparation and consulting business focused on individual tax returns and financial planning. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting various investment strategies and program structures.

Michael Dasilva is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2011. Outside of his advisory role, he is the owner and office manager of ESA Technology Solutions, a company that installs and supplies technology solutions in New Jersey. He has also served on the boards of sports officiating organizations in Pennsylvania and New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Michael Imbarrato is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He previously served as an Investment Consultant at Fidelity Investments from 2023 to 2024 and was an Investment Adviser Representative with Cetera Investment Services, LLC from 2019 to 2023. Michael specializes in helping clients develop clear, personalized financial strategies tailored to their individual goals and circumstances. His approach involves understanding both the numerical aspects and the personal context behind each client's financial situation, enabling him to design investment plans that evolve alongside their lives. Michael's professional experience spans retirement preparation and financial decision-making support for clients balancing work, life, and finances. Outside of his professional work, Michael has interests in baseball, cooking and baking, exploring culinary experiences, music, outdoor adventures, and traveling.

Lauren Cooney is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Her prior work history includes roles at Charter Communications Spectrum and Lafayette College Gateway Career Center. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs.

Kimberly Bucello is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and methodologies such as Monte Carlo simulations.

Steven Paramo is a Financial Consultant currently with Fidelity Investments, a position he has held since 2020. He works closely with clients to build and maintain financial plans tailored to their unique situations, acting as their advocate to identify strategies that improve their financial outlook. Steven emphasizes open communication with clients and their families as goals evolve over time. Prior to his current role, Steven gained experience as an Associate Financial Consultant at Charles Schwab from 2017 to 2020 and as a Financial Planner at Ayco, a Goldman Sachs Company, from 2013 to 2017. He holds a California Insurance License. Outside of his professional work, Steven has personal interests that include food, hiking, visiting museums, outdoor adventures, snowboarding, and traveling.

Don Mathieson is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005. Outside of advising, he is involved in providing group health insurance, long-term care insurance, and life insurance renewals through a separate business activity. Cetera is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple investment programs, operating a multi-manager platform that supports various discretionary and non-discretionary strategies.

Scott Fletcher is a financial advisor with Primerica Advisors in Paramus, NJ, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Primerica since 1987. Outside of his advisory role, he is an owner of an inactive budget counseling business in River Edge, NJ. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual investors—including both non-high-net-worth and high-net-worth clients—as well as corporate and charitable clients. The firm uses model-based strategies managed by third parties and provides advisory services through a large network of financial advisors.

Lawrence Katz is a financial advisor with LPL Financial in Wayne, NJ, holding a Series 63 designation and 40 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1995 and Financial Network Advisory Corp. since 1993. Katz spends a small portion of his time involved in non-variable insurance and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.