Brandon Hina is a financial advisor at Concurrent Investment Advisors, LLC with a Series 65 designation and one year of industry experience. His prior roles include positions at Cornerstone Private Wealth and Affiliated Distributors, as well as an internship at UBS Financial Services. Concurrent Investment Advisors is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term investment portfolios using ETFs, mutual funds, and may include individual securities and alternative investments, supported by a network of approximately 286 advisors.

Joseph Ruffenach Jr. is a financial advisor with GWN Securities Inc. and holds a Series 63 designation. He has 35 years of industry experience and has been involved with Siracusa Benefits Programs since 1985, where he currently serves as president. He sells 403(b) plans, fixed and indexed annuities, and occasionally life and long-term care insurance, primarily through GWN Securities. GWN Securities provides investment advisory and related services to individual and corporate clients through multiple managed account programs and financial planning offerings. The firm utilizes a combination of affiliated and unaffiliated sub-advisers and employs both traditional asset allocation and tactical strategies in its portfolio management.

Rafael Roque Espinosa is a financial advisor with Empower Advisory Group based in Northfield, NJ. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. His prior work includes positions at GWFS Equities, Prudential Investment Management Services, Prudential Insurance Company of America, MassMutual, and MML Investors Services. Outside of his advisory role, he serves as a contracted financial officer for Outco Inc., where he analyzes and summarizes financial statements for the executive board. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and annual rebalancing, delivered through an integrated model linked to Empower’s recordkeeping and administrative platforms.

Stavroula Koutsfetsoulis is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2011. In addition to her advisory role, she is involved in fiduciary activities as an attorney-in-fact (power of attorney). Ameriprise is a large institutional firm that provides retirement-income planning services primarily to individuals with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, focusing on tailored retirement income strategies.

Paul Oakley is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial services. His expertise encompasses retirement income planning, tax-efficient investing, portfolio management, and services tailored for endowments, foundations, non-profits, defined benefit plans, and small business strategies. Paul also focuses on employee financial health, liquidity management, managing new wealth, and serves clients in the sports and entertainment sectors. Paul holds a Bachelor’s degree in Political Science from Rutgers University and has a background in Securities Law and Compliance. He maintains several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Paul serves as President of the Lisa Oakley Memorial Foundation, a non-profit organization funding cancer research and patient care in the South Jersey and Philadelphia area. He resides in Egg Harbor Township and enjoys baseball, music, reading, swimming, and writing in his personal time.

Ava Pierce is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she worked at Ameriprise and has a background that includes roles in education and the restaurant industry. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

James Caulfield is a financial advisor at Edward Jones with nine years of industry experience. He has held his current role at Edward Jones since 2017 and previously worked at the University of Scranton from 2015 to 2017. Caulfield holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Wayne Grant is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and bringing 36 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as president of the Willow Ridge Executive Office Park Owners Association and the Willow Ridge Executive Office Park Condominium Association, managing property oversight and maintenance activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, tax, estate, and special needs planning. The firm emphasizes goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate planning and investment management services.

Thomas De Caprio is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Advisors and Transamerica. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Keith Cadden is a CFP® professional with 19 years of experience, currently serving at Morgan Stanley in West Conshohocken, PA. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and Corporate Financial Planning agreements.

Timothy Davis is a financial advisor at Ameriprise with six years of industry experience. He holds the Series 66 designation and has previously worked at firms including TD Bank, LPL Financial, Sun FCU, CUNA Brokerage Services, and Edward Jones. Before his financial career, he served 12 years in the United States Air Force. Davis is also the owner of RealFinX LLC, a holding company intended for future use. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver annual, non-discretionary recommendation reports through a centralized consulting team in partnership with financial advisors.

Robert Whiteside is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 46 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Leslie Esposito is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has been with Wells Fargo since 2016. Outside of her advisory role, she serves as a power of attorney for her mother. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Steven Sinderbrand is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior experience includes roles at Wells Fargo Advisors LLC, Merrill, and UBS Financial Services. He serves as co-trustee of a family trust and holds power of attorney for his daughter. 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 manages roughly $671 billion in assets and offers both brokerage and advisory solutions, incorporating research and analytics grounded in diversification principles and modern portfolio theory.

Beth Bebb is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing 19 years of industry experience. She has been with Thrivent and its predecessor firms since 2007. Outside of her advisory role, Bebb is a motivational speaker and trainer in youth ministry and religious education and also operates a web-based Avon representative business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and planning without discretionary trading authority, focusing on written recommendations across various financial topics and allowing clients to combine planning with managed-account services under a consolidated billing option.

Steven Litner is a financial advisor with Ameriprise Financial Services, LLC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 40 years of industry experience, including prior roles at Mass Mutual, 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 diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Thomas Mohr is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has 19 years of industry experience, including roles at Neuberger Berman BD LLC and Wells Fargo Advisors LLC prior to his current position. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from its Investment Institute with third-party analytics to support its investment strategies.

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 at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as treasurer of the Sag Harbor Historical Museum. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.