Raymond Sarinelli is a financial advisor at Cetera with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Investment Services and 1st Global Advisors. Outside of his advisory role, he is the owner of Wealthspring Financial Partners LLC, an acquisition vehicle for various financial services and tax practices. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and maintains over 10,000 advisors managing more than $256 billion in assets.

Meredith Wright is a Series 66 licensed financial advisor with 13 years of industry experience. She is currently with LPL Financial and has prior experience at Ameriprise Financial Services and UBS Financial Services. Wright also operates Wright Wealth Management, LLC, which aligns with her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Ryan Gardner is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity since 2013, progressing through roles including Financial Consultant and Investment Consultant. Prior to joining Fidelity, Ryan worked as a Financial Advisor at MetLife from 2009 to 2013. In his practice, Ryan focuses on a holistic approach to financial planning, assisting individuals and families with wealth accumulation, income planning, asset allocation, retirement planning, and investment planning. He holds a California Insurance License, supporting his work in various financial planning areas. Outside of his professional responsibilities, Ryan's personal interests include comedy, fitness, music, parenthood, and caring for pets.

Susan George is a financial advisor with Cetera, holding a Series 63 designation and 19 years of industry experience. She has worked with Cetera and its affiliated entities since 2015. In addition to her advisory role, she is also engaged as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors and serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services with a multi-manager platform and access to third-party money managers.

Michael Kurzer is a Series 66-registered financial advisor with LPL Financial, based in Totowa, NJ, and has 25 years of industry experience. He has been affiliated with LPL Financial since 2001 and is also a full member of The Kurzer Group, LLC, where he performs accounting functions. 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, model portfolio programs, third-party asset management, and institutional platforms.

Allan Gottesman is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and over 45 years of industry experience. He has been with Raymond James & Associates since 2004, including 16 years at its affiliated firm, Raymond James & Associates, Inc. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, and offers financial planning, investment consulting, and municipal advisory services.

Fred Kleinfeld is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has worked with firms including Metlife Securities Inc, PNC Investments, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors.

Josie Strafaci serves as a Planning Consultant, bringing 17 years of experience in financial services. She has been a Relationship Manager at Hennion & Walsh, Inc. from 2009 to 2026. Josie's professional approach focuses on building meaningful relationships through active listening and personalized guidance that aligns with each client's goals and priorities. Her work emphasizes thoughtful planning conversations designed to help clients feel confident and informed about their financial futures. Josie aims to create a supportive and collaborative environment to assist clients in navigating important financial decisions with clarity. Outside of her professional role, Josie engages in cooking and baking, family activities, fitness, hiking, and parenting.

William Downey is a financial advisor at Fidelity with 20 years of industry experience and holds the Series 66 designation. His prior experience includes roles at JP Morgan Chase Bank and JP Morgan Securities LLC. He has been associated with various Fidelity affiliates since 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to registered investment companies, use of advanced technologies in research, and established governance procedures.

Anthony Monks is the sole advisor and managing member of CTM Financial, LLC, an independent registered investment adviser based in Mahwah, NJ. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, leading CTM Financial since 2002. CTM Financial provides portfolio management and advisory services to a small client base that includes individual investors and corporate clients. The firm offers separately managed accounts and utilizes derivatives in some strategies to manage exposures, distinguishing itself as a boutique, one-advisor practice with a specialized approach.

Donald Zoch is the sole advisor at Capital Allocation Management, Inc. in Totowa, NJ, bringing 31 years of experience at the firm and 11 years in the industry. He holds a Series 63 designation. Capital Allocation Management, Inc. provides investment advisory and portfolio management services primarily on a non-discretionary basis to individual clients. The firm manages approximately $93.4 million across about 35 client relationships, focusing on ongoing consultation and client approvals rather than discretionary trading.

Anthony Wrobel is a CFP® professional with two years of industry experience, currently serving at Smolin Wealth Advisors, LLC. His prior experience includes roles at Cetera Wealth Services, LLC and Cetera Investment Advisers LLC. He is also affiliated with the accounting firm Smolin, Lupin & Co., which refers clients to the advisory referral service. Smolin Wealth Advisors operates as an adviser referral firm, introducing clients to independent RIAs for portfolio management and related services. The firm serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, and does not manage client accounts or accept custody.

Theodore Byer is a CFP® and PFS™ with 19 years of experience in financial services. He is affiliated with Smolin Wealth Advisors, LLC, where he has worked since 2013, and is also a member of the accounting firm Smolin, Lupin & Co., P.A., practicing as a licensed CPA. He divides his professional time between financial advisory and accounting services. Smolin Wealth Advisors operates as an adviser referral firm, introducing clients to independent RIAs rather than managing client assets directly. The firm serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, and it functions as a small, single-advisor practice with a limited client base.