Thomas Murray is a financial advisor with Ameriprise in Sparta, NJ, holding a Series 63 designation and 37 years of industry experience. He has been with Ameriprise and its affiliated entities 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 annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Gregory Nolan is a financial advisor with Wells Fargo Advisors in Sparta, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo Advisors since 2012 and owns Nolan Wealth Management, LLC, a practice he operates independently. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations using proprietary research and tools, with optional implementation through its brokerage or advisory programs.

Michael Stieglitz is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 23 years of industry experience. He has previously worked at 1st Global Advisors, Inc., 1st Global Insurance Services, and 1st Global Capital Corp. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a combination of discretionary and non-discretionary strategies supported by advisor-facing technological tools.

Joseph Ramondini is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, Merrill, UBS Financial Services, and Morgan Stanley. He is based in Sparta, NJ. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Newman is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Morgan Stanley and its affiliates from 2002 to 2009. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and offers a range of brokerage and advisory solutions.

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 with LPL Financial, holding a Series 63 designation and bringing 34 years of industry experience. He has previously worked at Cadaret, Grant & Co., Inc. for 25 years and has been associated with Infinity Wealth Management, LLC since 2007. 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, and institutional platforms, utilizing various investment strategies and technology tools.

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 with LPL Financial in Lafayette, NJ, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2021, Chen worked at Park Ave Securities and Guardian Life Insurance. Outside of advisory work, Chen is involved as a business owner of Le Memoire International LLC, selling merchandise online, and acts as an agent for non-variable insurance and health insurance products. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advanced advisor tools.

Marc Lefurge is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, based in Andover, NJ. He has five years of industry experience, including a decade at The Investment Center Inc. Lefurge is also the owner of a marketing business, Lefurge Financial LLC. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Lawrence Sailer is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management in Wayne, New Jersey. With 44 years of experience at Merrill Lynch, he specializes in college education planning, managing new wealth, and retirement income strategies. His approach focuses on developing personalized financial plans that reflect clients’ unique goals and priorities, aiming to simplify the complexities of investing. Lawrence holds a Bachelor of Arts degree in Psychology from Jacksonville University and is a Personal Investment Advisor (PIA). He resides in Kinnelon, New Jersey with his wife, Leslie. Outside of his professional work, Lawrence enjoys golfing, spending time with his family, traveling, and is actively involved in his church community.

Dennis Cordova is a financial advisor with LPL Enterprise who holds the CFP® designation along with Series 63, 65, and 66 licenses. He has 18 years of industry experience, including prior roles at Bank of America, Merrill, and Key Investment Services LLC. Cordova also serves as a trustee in a fiduciary capacity. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, asset management platforms, and affiliated insurance and trust services.

Joseph Kopec is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Morgan Stanley Dw Inc. from 2002 to 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

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.

Timothy Smith is a financial advisor with LPL Financial in Milford, PA, holding Series 63 and Series 66 licenses and with 43 years of industry experience. He has been with LPL Financial since 2008 and has operated his own independent practice since 2004. In addition to advising, he is involved in tax preparation and accounting through his work with T & K Tax Service LLC and Smith Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management services through a large network of advisers, combining advisory and non-advisory financial activities with oversight of substantial discretionary assets.

Luis Ponce is a financial advisor at LPL Financial with 41 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Edward Jones and The Prudential Insurance Company of America. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports client portfolios through a combination of model strategies and customized approaches.

Marion Cuff is a financial advisor at OSAIC with 37 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at FSC Securities Corporation for over two decades. Outside of advising, she serves as a trustee for the Seneca Lake Club, Inc., where she participates in decision-making for the lake association. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform with a model-based investment process emphasizing asset allocation and portfolio optimization.

Joseph Johnston Jr. is a financial advisor with J.P. Morgan Securities in Newton, NJ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, NA since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and offers broad derivatives and commodities capabilities.

Raydel Hernandez is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His previous roles include positions at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory work, he owns M & R Writing And Publishing, a business focused on the online sale of cookbooks. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with investment strategies that include discretionary and non-discretionary approaches and utilize advanced operational tools.