Terence Wynne is a financial advisor with Edward Jones in Newton, NJ, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers various advisory programs, including managed solutions and separately managed accounts, and maintains a large national network of advisors and branch offices.

Robert Doran is a financial advisor at LPL Financial with 34 years of industry experience. He holds a Series 63 designation and has worked at firms including Cadaret, Grant & Co., Inc. and Infinity Wealth Management, LLC, where he remains active. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services with both discretionary and non-discretionary management options.

Vincent Troiano is a financial advisor with Primerica Advisors in Newton, NJ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 2000. Outside of advisory work, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Albert Losco is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has previously worked at Raymond James Financial Services Advisors Inc., Lakeland Bank, and Specific Solutions. Outside of his advisory role, Losco serves as president of the Glen Harbor Homeowners Association and as a branch manager for Provident Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, combining affiliated and third-party managers with various program structures.

Zhe Chen is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Park Ave Securities and Guardian Life Insurance. Outside of his advisory role, he owns Le Memoire International LLC, a business that sells merchandise on Amazon and other online platforms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Joseph Capra is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Grove Point Investments, LLC and Grove Point Advisors, LLC for four years, and at H. Beck, Inc. for five years. He also operates a DBA business related to his LPL activities. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by internal and third-party research.

Marc Lefurge is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and five years of industry experience. He previously spent ten years at The Investment Center Inc. In addition to his advisory role, he is the owner of Lefurge Financial LLC, a marketing business unrelated to investment activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals using a variety of portfolio management strategies and platform options.

Dennis Cordova is a CFP®-certified financial advisor with 18 years of industry experience. He is currently affiliated with LPL Enterprise and has prior experience at Bank of America, Merrill, and Key Investment Services LLC. Outside of his advisory work, he serves as a trustee in a fiduciary capacity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management programs, combining advisory services with brokerage and insurance product sales through an integrated platform.

John Gallagher is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Gallagher also holds a real estate license. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.

Christopher Perrotta is a financial advisor at Cetera with seven years of industry experience. He holds a Series 66 designation and previously worked at Avantax and 1st Global Advisors. Outside of advising, he serves as treasurer for the Vernon Township Little League and is involved with the Sussex County YMCA. Cetera Investment Advisers LLC is a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and affiliations.

Albert Passanante is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services, Avantax Advisory Services, Avantax Insurance Services, and 1st Global Advisors. Passanante is also an owner and financial advisor at Nisivoccia LLP, where he has been involved in providing financial services since 2001. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with various program structures and investment options.

John Bogucz is a financial advisor at Osaic Wealth, Inc. with 44 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked for Western International Securities, Inc. for 18 years. Outside of his advisory role, he invents and sells an original board game on Etsy and serves as the treasurer of the Boonton Township volunteer fire department. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and portfolio management strategies, including discretionary and non-discretionary account management.

Luis Ponce is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Edward Jones, The Prudential Insurance Company of America, and Pruco Securities, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Dennis Profaca is a financial advisor with LPL Financial, holding the Series 63 designation and bringing 28 years of industry experience. He has worked with Morristown Financial Group since 2007 and Linsco Private Ledger since 2006. Outside of advising, he acts as a health insurance broker for small businesses in New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a nationwide network. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management along with model portfolios and research support.

Marion Cuff is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at FSC Securities for over two decades, among other firms. Outside of advising, she serves as a trustee of the Seneca Lake Club, Inc., where she participates in governance and decision-making for the local lake association. OSAIC Wealth, Inc. provides services to a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage, investment advisory, financial planning, and retirement plan consulting. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to third-party money managers and alternative investments.

Daniel Richards is a CFP® professional with 35 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent 25 years at Citigroup Global Markets. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by its research and due diligence on alternative investments.

Joseph Johnston Jr. is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also serving at JPMorgan Chase Bank, NA since 2006. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Kathryn Mantell is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has previously worked with Avantax and 1ST Global Advisors. Outside of her advisory role, Mantell serves on the executive board and as treasurer for local Boy Scouts of America councils and is treasurer of the Randolph Area Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to individuals, retirement plans, corporations, and institutional clients. The firm provides a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Douglas Collins is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. Before joining Cetera in 2025, he worked for Avantax and 1st Global Advisors, and he has been a partner at Nisivoccia & Company, LLP since 2000. Collins serves on multiple boards, including the Deacon Family Foundation and The House of the Good Shepherd, and is an advisory board member for Lakeland Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies, with over $256 billion in assets under management and a network of more than 10,000 advisors.