Steven Litner is a financial advisor at Ameriprise Financial Services, LLC with 41 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. His previous experience includes roles at Mass Mutual Life Insurance Company, MetLife Securities, and Equitable Advisors. Outside of his advisory work, he is involved in independent insurance brokering and participates in viatical settlement processes. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides a written Recommendation Report and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Thomas Mohr is a Series 66-licensed financial advisor with Wells Fargo Clearing, bringing 19 years of industry experience. He previously worked at Neuberger Berman BD LLC from 2006 to 2009 before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large network of over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

John Bove is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has been with Merrill since 2019 and also works with Bank of America, N.A. since 2020. Prior to his current roles, he was associated with Stockton University and Ernest and Sons from 2016 to 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jay M. Weiner is a Senior Resident Director at Merrill in the Atlantic County, New Jersey office. He has been with Merrill since 1998 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Jay holds FINRA series 3, 7, 9, 10, and 66 registrations, along with health and life insurance licenses. He earned his bachelor's degree from the University of South Florida. Jay focuses on developing long-term financial advisory relationships tailored to the unique circumstances of each client. He promotes a systematic approach to investing that aligns with clients' investment goals, risk tolerance, time horizon, and liquidity needs. His expertise areas include employee benefits planning, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Through Merrill, Jay provides a wide range of financial strategies and investment services, emphasizing retirement planning, supported by firm specialists and top-rated research. In addition to his professional work, Jay is actively involved in the community. He is a member of the Atlantic City Education Foundation and the Marjorie & Lewis Katz Jewish Community Center. He served as Past President of Congregation Beth Judah in Ventnor, New Jersey, and participates in the Clean Ocean Action initiative. Jay resides in Margate, New Jersey, with his wife and three children. His personal interests include cooking, gardening, golfing, pickleball, spending time with family, and tennis.

Christopher Cobb is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as treasurer for the Sag Harbor Historical Museum, overseeing budgeting and expenses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to evaluate investment options within a broad range of brokerage and advisory solutions.

Kaylee Pereira is a Series 66-credentialed financial advisor with two years of industry experience. She is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America and Pruco Securities LLC. Before entering finance, she held various roles including positions at TGI Fridays and educational institutions. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Christina Cannizzaro is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has been with UBS since 2018. Prior to joining UBS, she worked at Comcast for six years. 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, supported by proprietary research and a broad range of capital markets solutions.

Carl Crowley is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Boenning & Scattergood Inc., UBS Financial Services, and Morgan Stanley DW Inc. In addition to his advisory role, Carl serves as a FINRA Arbitrator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with tools such as model portfolios, third-party subadvisors, and strategic investment options across various asset classes.

Charles Dudley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and external sources.

Charles Donovan is a CFP® with 19 years of industry experience, currently serving at UBS Financial Services in Northfield, NJ since 2006. He holds the Series 66 designation and has spent his entire recorded career at UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and provides a broad range of services including capital markets activities and proprietary research.

Daryl Ditroia is a financial advisor with LPL Enterprise, holding the ChFC® designation along with Series 65 and Series 63 licenses. He has 31 years of industry experience, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. Ditroia serves as a board member for Upper Township Challenger Sports, a nonprofit organization. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm employs primarily model-driven investment implementation and offers access to third-party asset managers and various wealth management programs.

Norman Johnson Jr. is a financial advisor with Edward Jones in Linwood, NJ, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he serves as a check signer for Calvary Chapel Ocean City NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Derek Giaconia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions, utilizing research and analytics based on diversification principles and modern portfolio theory.

Nikolette Cautilli is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, she was affiliated with Flagler College for four years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting through a combination of brokerage and advisory solutions.

Howard Cohen is a financial advisor with Mass Mutual Investors Services in Margate, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with MML Investors Services, Inc. and MassMutual Life Insurance Company since 2007. Outside of his advisory role, he is involved in individual and group life and health insurance sales. Mass Mutual 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 emphasizes annual, collaborative financial planning engagements using firm-approved analytical tools and offers specialized event-driven planning services such as estate settlement and divorce planning.

John Edgar is a financial advisor with UBS Financial Services in Northfield, NJ, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Lauren Grant is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations and Secular Return Estimates, as part of its financial planning process.

Christian Loeb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at LPL Financial since 2012 and previously spent ten years at PRUCO Securities, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a wide range of advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting advisors with both discretionary and non-discretionary strategies.

John Palaszewski is a financial professional with 24 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Mass Mutual Investors Services and METLIFE SECURITIES Inc. In addition to his advisory role, he is involved with Wealthbridge Financial, a financial services DBA. Cetera is an SEC-registered adviser with a nationwide network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform that includes affiliated and unaffiliated third-party managers and various program structures.

James Hayes is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise since 2005. Hayes is also co-owner of P TWO P LLC, through which he manages an advisory business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.