John Mossa is a CFP® professional with 43 years of industry experience, currently serving as a financial advisor at LPL Financial since 2018. Prior to this, he worked at Cadaret, Grant & Co., Inc. from 2015 to 2018. He also engages in tax preparation and Medicare planning activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a range of advisory programs, financial planning, and retirement consulting services, supported by proprietary and third-party research and portfolio management solutions.

Rebecca Trachtenberg is a financial advisor at Cetera with 19 years of industry experience. She holds a Series 66 designation and has previously worked at LPL Financial LLC and Kestra Financial Services, Inc. Since 2012, she has also been involved with Regal Wealth Advisors, where she performs administrative duties. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

John Conroy is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior experience includes roles at Breezy Point Cooperative, Flynn Financial Partners, and various positions at Iona University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, and it serves multiple registered investment companies and intermediary platforms.

Arthur Foreman is Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2012. He has over 25 years of experience in the financial services industry, including roles as Financial Consultant and Investment Representative at Fidelity Investments, as well as a Floor Trader at the New York Stock Exchange from 1997 to 2007. His expertise includes working with Fidelity's High Net Worth clients in areas such as retirement, income, and wealth planning. Arthur leverages his extensive experience to assist clients and their families in pursuing their financial goals.

Vladimir Zusman is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Advisors and Citibank. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through risk profiling and asset allocation analysis.

Carrie Topel is a financial advisor at Cetera with 26 years of industry experience. She holds a Series 66 designation and has worked at Cetera Advisors LLC since 2013. In addition to her advisory role, she maintains a CPA firm, Topel & Silver CPAs, which has been operating since 1994. Cetera Investment Advisers LLC is an SEC-registered adviser serving 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 with over 10,000 advisors and more than $256 billion in assets under management.

Anthony Alfano is a CFP®-certified financial advisor with 12 years of industry experience, currently associated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of his advisory role, Alfano volunteers with 3rd Decade, providing financial education to individuals who cannot afford professional advice. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and oversees over $256 billion in assets.

Michael McCabe is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He applies a goal and needs-based holistic approach to assist individuals, families, and businesses in pursuing their financial objectives. His work involves thorough planning conversations with clients and utilizing Fidelity's information, technology, and tools to support their financial success. Michael's strategy focuses on planning areas including investment planning, tax-efficient investing, income planning, and legacy planning considerations. Prior to joining Fidelity, he gained experience as a wholesaler and financial services education consultant at Allstate Financial Services from 2017 to 2021, served as a field sales associate at State Farm from 2014 to 2017, and worked as a registered representative at MetLife from 2009 to 2014. Outside of his professional role, Michael's personal interests include spending time at the beach, attending concerts, caring for pets, skiing, traveling, and practicing yoga.

Steven Novick is a financial advisor with Mass Mutual Investors Services in Brooklyn, NY, holding a Series 63 designation and 27 years of industry experience. His prior experience includes 16 years at Metlife Securities, Inc. In addition to his advisory role, he is an insurance agent and a minority owner of an insurance producer group. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning engagements supported by firm-approved analytical tools and a range of investment programs.

Anne Schnuriger is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 2013 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she is connected to a family plumbing and heating business through her husband. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries.

Richard Hagerty is a financial advisor with Ameriprise in Manasquan, NJ, holding a Series 66 designation and 26 years of industry experience. His prior experience includes ten years at UBS Financial Services and a year at Ameriprise Financial Services Inc. Outside of advising, he works part-time at The Atlantic Club, assisting members as floor staff. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations in partnership with its financial advisors.

Stacie Ann Lites is a financial advisor at Fidelity with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Investments since 2023. Her prior roles include positions at Allstate and Shipt Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies and its role as a commodity pool operator and advisor to multiple registered investment companies.

Keith Owitz is a financial advisor with Edward Jones in Holmdel, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and also operates Owitz Consulting Services, LLC, which he founded in 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Mark Gavrilov is a financial advisor with Cetera, holding the Series 63 designation and 14 years of industry experience. His prior roles include seven years at LPL Financial and multiple positions within Cetera and its affiliated entities. He is also the owner of Gavrilov Wealth Management, a business operating under a Cetera DBA. Cetera Investment Advisers LLC is an SEC-registered adviser that delivers a range of portfolio management and financial planning services through a large network of independent advisors. The firm serves individual and institutional clients, offering access to both affiliated and unaffiliated investment managers via various program structures and custodial relationships.

Thomas Croom III is a financial advisor with Primerica Advisors in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. Outside of advisory work, he is involved in sales of loan products and home security and automation referrals through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, employing BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Mikhail Titov is a financial advisor with Merrill, holding a Series 66 designation and based in Brooklyn, NY. He has worked at Merrill since 2024 and previously at Bank of America, N.A. since 2025. His background includes experience at A&D Mortgage and operating a business called Happy Magic for six years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Nicole Adler Frigoletto is a CFP® professional with eight years of industry experience. She is currently with LPL Financial and also associated with River's Edge Wealth Partners. Prior to this, she worked at Wells Fargo for eight years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research.

John Cornacchia is a financial advisor at Wells Fargo Advisors with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Outside his primary role, he owns Cornacchia Wealth Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a range of investment and fee-based financial planning services. The firm offers tailored recommendations supported by internal research and planning tools, with optional implementation across various brokerage and advisory programs.

Carolyn Anderson is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for 12 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Brian Patterson is a financial advisor with Equitable Advisors, holding a Series 66 credential and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1998. Outside of his advisory role, Patterson is involved as a coach with the Ocean Surge Travel Baseball Association and owns Ascendancy Insurance Solutions LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels tailored to client goals and risk tolerance.