Debra Fournier is a CFP®-designated financial advisor with LPL Financial and over 30 years of industry experience. She has been with LPL Financial since 2008 and also leads Seaview Wealth Management, LLC. Fournier serves on the boards of the Association of Divorce Financial Planners and the Institute for Divorce Financial Analysts, and she is the owner of Fiscal Fitness for Women. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and portfolio strategies from LPL Research and third-party subadvisors.

Joseph Bonacci is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services from 2009 to 2023 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. 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, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Nicole Andres is a Private Wealth Manager with Merrill Private Wealth Management, where she leads a team of 12 professionals across New York City, Pennsylvania, and California. In her role, Nicole works closely with individuals and families to navigate complex financial decisions, providing highly customized portfolio strategies that reflect clients' unique goals, risk tolerance, time horizons, and income needs. She and her team serve as trusted advisors, assisting with a range of financial matters including education planning, family wealth management, philanthropic planning, and tax minimization. Prior to joining Merrill, Nicole was a Director at Credit Suisse Private Bank for 15 years and previously worked in the Private Client Services division at Donaldson Lufkin & Jenrette. She began her career in 1990 in the equity research division at First Manhattan Company. Nicole earned a Bachelor's Degree from Vassar College and holds the Personal Investment Advisor (PIA) designation. She has been recognized by Barron's magazine as one of the Top 100 Women Financial Advisors from 2007 to 2015 and by Forbes as a Top Women Best-in-State Wealth Advisor from 2022 through 2026. Nicole is involved in the University of Dayton Parent Leadership Council and resides in Chatham, New Jersey with her family. In her free time, she enjoys cooking, running, spending time with her family, and traveling.

Steven Fuerbacher is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Santander Securities, LLC and Santander Bank, NA, where he worked for a combined 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with offerings that include discretionary and non-discretionary management, model portfolios, and advanced technologies such as machine learning.

Perry Weyser is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cetera. He previously spent significant time at Avantax Investment Services, Inc., and Avantax Insurance Agency, LLC. Outside of advising, he is a partner at Goode & Weyser, CPA, LLC, where he prepares individual and business tax returns, and serves as a referral partner for Merchant Advocate, helping small business clients review credit card processing expenses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that incorporates affiliated and third-party managers across multiple program structures.

Harry Appel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at United Planners' Financial Services and Parkwood Associates, where he also serves as owner and pension consultant. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment strategies, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary options tailored to client objectives.

Timothy Korwin is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at Merrill, Bank of America, and MetLife Securities. He also works as an insurance broker in health insurance sales. MassMutual Investors Services operates as a broker-dealer and registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools and collaborative annual planning relationships.

John Kriarakis is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, NA since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Evette Johnson is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. She has been with Equitable Advisors since 2022 and also has a longstanding role at Sunbeam Preschool. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage services tailored to client goals and risk tolerance.

Thomas Chiellini is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and less than one year of industry experience. His prior work includes service in the Army and various roles outside the financial sector, including positions with Long Beach Township Beach Patrol and Enterprise Rental Cars. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses firm-approved software and collaborative planning processes to deliver written recommendations, with optional implementation through separate brokerage or insurance arrangements.

Christopher Amato II is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley-affiliated firms since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured planning tools and the input of a Global Investment Committee.

Kurt Akersten is a financial advisor at Fidelity with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Citigroup. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Karen Capen is a financial advisor at Raymond James Financial with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Raymond James since 2017. Outside of her advisory role, she is an independent contractor at Banyan Wealth, where she operates as a Service Associate. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Kenneth Mills is a financial advisor with Mass Mutual Investors Services who holds the Series 63 and Series 66 designations and has 13 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience at MetLife Securities Inc. and New England Securities. Outside of his advisory role, he is also an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing annual collaborative planning relationships and the use of firm-approved analytical tools.

Frank Garruzzo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an elected mayor in the Borough of Brielle, New Jersey, and is involved as a partner in a local real estate venture. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and modeling tools, with a focus on advisory services.

Kevin Dolan is a financial advisor with Equitable Advisors, holding a Series 66 designation and 10 years of industry experience. He has worked at several firms, including AXA Advisors and Garden State Securities, before joining Equitable Advisors in 2018. Outside of advising, he serves as treasurer for a youth football league in New Jersey. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, and institutions, offering financial planning, broker-dealer services, insurance, and access to third-party asset management programs. The firm operates through a combination of advisory and brokerage solutions and participates in various sponsored programs and endorsed third-party platforms.

Abraham Weiss is a financial advisor with MassMutual Investors Services in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is involved in the insurance brokerage business through Sterling Insurance Concepts Inc., which focuses on life and health insurance sales and ownership. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers customized financial planning using firm-approved software and hosts educational seminars, with planning engagements structured as ongoing, collaborative relationships.

Thomas Musumeci is a financial advisor with LPL Financial, holding a Series 63 designation and 59 years of industry experience. His prior experience includes 18 years with Royal Alliance Associates, Inc. and 17 years with Investment Advisors Asset Management, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.