Michael Wenger is a financial advisor at Guardian Life and Park Avenue Securities with 18 years of industry experience. He holds Series 63 and Series 65 licenses. Outside of his advisory work, Wenger has pursued interests in electronic dance music production and has an LLC established to open a restaurant/lounge in New York City. Park Avenue Securities, operating as Park Avenue® Wealth Management, serves individuals, including high-net-worth clients, and institutional clients through brokerage services, financial planning, retirement plan consulting, and investment advisory programs. The firm offers discretionary and non-discretionary advisory options utilizing models from internal and third-party managers, along with a hybrid digital advisory solution.

Matthew Piro is a financial advisor with Primerica Advisors, holding a Series 66 credential and eight years of industry experience. He has worked at Park Avenue Securities LLC and Guardian Life Insurance Company since 2017, and previously at Zimmer Capital from 2015 to 2017. In addition to his advisory role, he is an independent contractor involved in insurance sales outside Guardian Life. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both transaction-based brokerage and fee-based advisory services, utilizing a mix of proprietary and third-party investment strategies across various account types.

David Chan is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Citigroup since 2017. Prior to that, he was with Santander Securities LLC and Santander Bank NA from 2015 to 2017. Citigroup Global Markets serves both individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with specialized market roles and arrangements.

David Heitner is a financial advisor at Independent Financial Group, LLC with 12 years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior roles include positions at Securities America Advisors and OSAIC. Outside of finance, Heitner is the owner of Heits Building Services, a commercial cleaning business he has operated since 2003. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, and plan sponsors. The firm offers a variety of investment advisory programs and financial planning services, delivering advice through dually licensed advisors and employing a mix of in-house and third-party investment models.

Amit Chopra is a CFP® with 19 years of industry experience, currently serving as an advisor at NewEdge Advisors. He is the managing partner and owner of Forefront Wealth Planning & Asset Management, a private entity involved in securities and advisory services. His prior roles include positions at Advisors Capital Management, Commonwealth Financial Network, and Bruderman Brothers LLC. NewEdge Advisors serves a diverse client base, including individuals, trusts, pension plans, corporations, and charitable organizations, offering discretionary and non-discretionary portfolio management through a wrap fee program. The firm employs asset allocation across mutual funds, ETFs, and individual securities, with regular portfolio reviews and a focus on managing trading costs and conflicts of interest through oversight and disclosure.

Timothy Burklow Jr. is a CFP® and ChFC® with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and previously worked at Burklow & Rotella and Ameriprise. Before entering the financial advisory field, he was employed at Rutgers University for four years. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, trusts, and charitable organizations, offering a range of portfolio management and financial planning services.

Gawain Mckenzie is a financial advisor at TD Private Client Wealth LLC with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. He currently operates out of Ramsey, NJ. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios through a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers.

David Alter is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 43 years of industry experience and has worked at firms including Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he is completing a graphic novel intended for adaptation into a major motion picture and serves as a trustee for multiple family trusts. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Michael Flower is a CFP® with 30 years of experience in the financial industry. He is currently affiliated with Hightower Advisors and Hightower Securities LLC, where he has worked since 2018. Michael has prior experience at Securities America Advisors, Inc. and Securities America, Inc., spanning 14 years. Outside of his advisory work, he serves as a trustee at Packanack Community Church and is a member of the Economic Development Commission of Wayne Township. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and financial institutions. The firm’s advisory approach involves manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a range of investment vehicles and services tailored to client needs.

Ryan Kirschner is a financial advisor at PNC Wealth Management with 14 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America for nine years. Kirschner joined PNC Investments, LLC in 2025. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and approved mutual fund and ETF strategies managed by PNC or third parties.

Jeremy Raffer is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 credential and 17 years of industry experience. He has worked at several firms including Raymond James Financial Services, Inc. and Wells Fargo Advisors. In addition to his advisory work, he is the author of a book titled *Financial Planning for Windows*. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Robert Davis is a CFP® professional with 35 years of experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. He also owns Wealth Preservation Solutions and has been associated with Krim Associates and Kestra Investment Services, LLC since 2008. Davis refers clients to Medicare BackOffice for healthcare needs related to Medicare but holds no formal role with that organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, employee education, and access to multiple management platforms, serving clients including large institutional investors such as sovereign wealth funds.

Zachary Fuld is a financial advisor with Equity Services, Inc., holding a Series 66 designation and eight years of industry experience. He has worked at Equity Services, National Life Group, Guardian Life Insurance Company, Park Avenue Securities, and Cross River Bank. Outside of his advisory roles, Fuld serves as a board member for Congregation Beth Sholom-Synagogue. Equity Services, Inc., also known as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms with a mix of long-term and shorter-term investment strategies, utilizing third-party asset managers and model portfolios.

Gregory Giardino is a CFP® professional located in Oakland, NJ, with 18 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, having joined in 2024 after prior roles at Atlas Fiduciary Financial, LPL Financial, and other advisory firms. Giardino serves as Secretary of the Greater Pascack Valley Chamber of Commerce and as Director of Marketing and Communications for the Financial Planning Association of New Jersey. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm emphasizes diversified, risk-class based investment allocations combining passive and active management, supported by an internal Investment Committee and a range of implementation tools and services.

Gianfranco Gonzales Lopez is a CFP® and holds a Series 66 license with five years of industry experience. He has worked at Wealth Enhancement Advisory Services, LLC since 2020 and has previous experience at LPL Financial, FHC Wealth Advisors, Columbia Bank, and William Paterson University of NJ. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to separate managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified, risk-class based investment approach that blends passive and active strategies overseen by an internal Investment Committee.

Myra Rosenblatt is a CFP®-designated financial advisor with 35 years of industry experience. She has worked at Lincoln Investment since 2017 and previously spent 23 years at Legend Equities Corporation. Rosenblatt conducts her investment business under the DBA SOSAE Rose Financial Group LLC. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan advisory services supported by both in‑house and third‑party investment strategies overseen by an Investment Management & Research team.

Helen Shaw is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2022, previously spending six years at Merrill. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and various advisory programs.

Thomas Moyer is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2021. His prior experience includes roles at LPL Financial and Mutual Securities, Inc., as well as founding Macro Consulting Group LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm employs a strategic investment process combining passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and specialized consulting services.

Kim Islami is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining PNC Investments in 2023, Islami worked at TD Ameritrade for ten years. Outside of advising, Islami serves as president of the MMD Foundation, a nonprofit organization focused on scholarships. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including a digital discretionary model account available by invitation. The firm relies on algorithmic questionnaires for risk assessment and implements investments via approved model strategies using mutual funds and ETFs.

Anthony Mazzella is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 licenses. He has eight years of industry experience and has worked with firms including NYLIFE Securities LLC and Podell Financial Group. In addition to his advisory role, he operates True Path Wealth Strategies, focusing on selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.