Michael Hand is a financial advisor at Mass Mutual Investors Services with 2 years of industry experience. He holds the ChFC® designation and Series 66 and 63 licenses. Prior to joining Mass Mutual in 2025, he worked at New York Life and NYLife Securities from 2023 to 2025. Outside of his advisory role, he is also an insurance broker, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, goal-oriented planning engagements.

Bernard Ventura is a financial advisor at LPL Financial with 43 years of industry experience. He previously worked at RBC Capital Markets for eight years before joining LPL Financial in 2020. Ventura holds a Series 63 designation and operates out of Gladstone, 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Philip Pinkey is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and previously worked for ICMA Retirement Corporation from 2011 to 2021 before joining Fidelity. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Patrick Gardner is a financial advisor at UBS Financial Services with seven years of industry experience. He holds a Series 66 designation and has been with UBS since 2017. 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 provides research, custody, underwriting, and capital markets services through its platform.

Peter Torres is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2016. Outside of his advisory role, he has coached girls' high school basketball for the Randolph Township Board of Education. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering a range of advisory programs and portfolio management services tailored to client risk profiles.

Amaya Pollard is a Financial Advisor at Merrill Lynch Wealth Management. She works with technology professionals and other clients to develop personalized financial plans that address their short-, mid-, and long-term goals. Her services include retirement planning, investment management, and providing guidance on stock options, restricted stock units (RSUs), and other employer-provided compensation benefits. Amaya's expertise encompasses corporate executive services, education planning, employee benefits planning, executive and equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, and personal retirement planning. She holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Bowling Green State University. Outside of her professional work, Amaya enjoys painting, reading, running, and practicing yoga. She is dedicated to understanding her clients' priorities and helping them create strategies to pursue their financial goals.

Nicholas Russo is a financial advisor with Cetera, holding a Series 66 credential and four years of industry experience. He has worked at several firms, including Allied Wealth Partners and Securian Financial Services Inc. Outside of his advisory role, Russo serves as vice-president on the board of the Tri-Boro Chamber of Commerce and participates in ALS research fundraising through his fraternity. Cetera Investment Advisers LLC is an SEC-registered advisor serving a diverse client base that includes individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning, and access to third-party money managers.

Carolyn Harris is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, following four years at Ameriprise Financial Services. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Boorse is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to provide personalized financial strategies and ongoing guidance. His approach focuses on helping clients build, preserve, and transfer wealth while aligning their financial decisions with their unique goals and evolving needs. His expertise includes college education planning, family wealth management strategies, services for defined benefit plans, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Zachary employs a goals-based planning approach to help clients connect their finances to what matters most, such as family, lifestyle, future retirement, and legacy. Zachary holds a Bachelor's Degree and a Master of Business Administration (MBA) from Fairfield University. He has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Gregory Marsh is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Wells Fargo Advisors Financial Network LLC since 2009. Marsh has a 50% ownership interest in Bruno Marsh & Associates Inc., operating as Bridgehaven Fiduciary Partners. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services across a broad range of areas, including retirement, education, and specialized planning such as business-owner transition and special-needs analysis. The firm combines advisory services with other financial products and referral channels to offer tailored recommendations backed by its research and planning tools.

Michael Smith is a Series 66-licensed financial advisor with Cetera, bringing four years of industry experience. He has held positions at Cetera Wealth Services, Nisivoccia Wealth Advisors, and Avantax Investment Services, among others. Outside of investment advising, he serves as a principal at Nisivoccia LLP, a CPA firm providing audit, accounting, and tax services, and is a member of the Jefferson Township Chamber of Commerce. 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 operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Sweeney is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Avantax Investment Services, Inc. He also owns John Sweeney Associates, a tax preparation and accounting business, and serves as treasurer for Freedom Christian Academy and Valley View Chapel. Cetera Investment Advisers LLC is an SEC-registered firm that supports a network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through various program platforms, allowing advisors to implement model portfolios, third-party managers, or custom strategies.

Phaedra Bachan is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses and two years of industry experience. Her prior work includes roles at Walmart and educational tutoring through Homework Helpers. She also tutors part-time outside of her advisory work. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients, using model-based investment strategies supported by third-party managers and custodians.

William Booker is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at UBS since 2010, following a tenure at Bank of America. He serves on the board of directors for St. Anthony High School in Jersey City and is involved with the Foundation for California University of Pennsylvania, where he participates in scholarship and investment committees. Booker is also a partner in WorkNest LLC, a company providing workplace solutions for nursing mothers. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, relying on proprietary research and model-based asset allocation to tailor client plans.

Joseph Dispenza is a financial advisor with LPL Financial in High Bridge, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with LPL Financial or its predecessor since 2001. In addition to his advisory work, he has authored a book on financial planning basics. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Sandra Yates is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Scottrade, Inc. She has been with Raymond James & Associates since 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, and charitable and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Eugene Borg Jr. is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Securities America Advisors, Securities America Inc, and Janney Montgomery Scott. Outside of his advisory role, Borg serves as a volunteer firefighter and captain at the Pottersville Volunteer Fire Company and is the treasurer of his local chapter of the New Jersey State Firemen's Association. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities through a broad network of advisors and advisory platforms. The firm provides brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers, employing a range of portfolio construction tools and supporting both discretionary and non-discretionary account management.

Michael White is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 66 registrations and has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management and financial planning services, leveraging both in-house and third-party investment managers.

Sharon Schoenherr is a financial advisor at Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses with 10 years of industry experience. She previously worked at BNY Mellon from 2007 to 2018 before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Alfred Anke Jr. is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 40 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. and Metropolitan Life Insurance Company for 33 years. He is a partner at Fortune Wealth Financial Group, LLC, and also works as an insurance broker specializing in life, health, disability, long-term care, and fixed annuities. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, annual financial planning engagements using firm-approved analysis tools.