Saji Philip is a financial advisor with LPL Financial based in Princeton, NJ, holding Series 63 and Series 65 licenses and 16 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for six years before joining LPL Financial in 2020. Outside of his advisory role, he is the business owner of Growing Stars, Inc., an online tutoring service. 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 a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, using both discretionary and non-discretionary management supported by model portfolios and research from LPL and third parties.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Justin Tansey is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 65 and Series 63 licenses and having three years of industry experience. He has worked with Primerica Advisors since 2022 and previously served at AllDigital Specialty and Fairleigh Dickinson University. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and provides support through BNY Mellon Advisors and Pershing for trade execution and custody.

Ryan Aiello is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Anthony Amoroso is currently serving as a Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he focuses on fostering a culture that motivates advisors to reach their full potential through strategic coaching. He has extensive experience in the financial industry, having held various positions including Team Manager at Merrill from 2016 to 2025, Credit Risk Analyst at JP Morgan Chase between 2014 and 2016, and Investment Associate at Hennion & Walsh from 2013 to 2014. His professional background spans leadership, risk analysis, and investment management. Outside of his professional career, Anthony enjoys spending time at the beach, cooking and baking, engaging in family activities, and following football and soccer.

Scott Bernstiel is a financial advisor with Raymond James Financial Services Advisors, Inc. in Windsor, NJ, holding Series 63 and Series 66 licenses with 31 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, Kennedy Investment Group, and DWS Distributors. Outside of advisory work, he serves as Treasurer and Bookkeeper for Notre Dame High School Lacrosse, overseeing financial supervision. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs in municipal advisory and employer SIMPLE IRA consulting.

Thomas Scotto is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 66 licenses. He has eight years of industry experience, including roles at J.P. Morgan Securities LLC and Regulus Financial Group, LLC. Before his financial services career, he operated Villa Monte Pizzeria for two years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, and educational seminars, with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

Gerard Trapp is a financial advisor at OSAIC with 20 years of industry experience and holds a Series 66 designation. He previously worked at UBS Financial Services from 2006 until joining OSAIC in 2024. Trapp is also involved part-time with American Portfolios Financial Services in a life insurance brokerage role. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services and employs asset-allocation tools, risk assessments, and third-party platforms to construct diversified portfolios across various investment types.

Jason Peretson is a financial advisor at Wells Fargo Clearing in Princeton, NJ, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as an executor for his mother’s estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Tyler Dey is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients to build disciplined, personalized financial strategies and is part of a team that provides a concierge-style experience, assisting individuals and families with investment management, retirement planning, and long-term wealth goal navigation. Tyler also collaborates with Advisors on retirement plan administration and guidance. Prior to becoming a Financial Advisor, Tyler served as a Registered Wealth Management Client Associate. In that role, he supported portfolio operations, retirement plan administration, and daily client needs. He has been with Merrill Lynch and Bank of America since 2021 and is Series 7 and 66 FINRA registered, holding the Personal Investment Advisor (PIA) designation. Tyler earned a Bachelor's Degree in Finance with a focus on investment analysis from Rider University. He received several academic honors there, including the Andrew J. Rider Award and induction into Beta Gamma Sigma. He currently resides in New Egypt, New Jersey. Personal interests include baseball, football, golfing, hiking, music, and reading.

Alan Friedman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors, 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, offering both advisory and brokerage/insurance channels to implement client recommendations.

Hoyt Ammidon III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He oversees and coordinates the financial affairs for a select group of families, retirees, corporate executives, and business owners in the Princeton, NJ area and across the country. Hoyt takes a holistic approach to his clients' financial affairs to help position them to achieve their goals and objectives. With over 40 years of experience in the financial industry, Hoyt's expertise includes commercial banking, equity and fixed income securities analysis, sales and trading, and portfolio management. His client focus areas encompass college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Hoyt holds a Bachelor's Degree from Middlebury College and a High School Diploma from St. Mark's School. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Hoyt enjoys biking, camping, cooking, ice hockey, skiing, yoga, and spending time with his family. He is also a member of the Schattenbaum PCA organization.

Joseph Tansey is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1995. Outside of advisory work, he is an owner of Tansey Family Ski Resort, LLC, a legal entity formed for vacation rental property purposes. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors and some corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of approximately 3,700 advisors and $15.5 billion in assets under management.

Robert Hearne Jr. is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with RBC Capital Markets since 2008 and has also worked at City National Bank. Outside of his advisory role, he serves as a member of the finance committee at Trinity Church in Princeton, NJ. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, and charitable organizations by offering a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles and investment preferences.

Barbara Clarke is a CFP® with over 42 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients, offering advisory programs that include tailored financial planning and a range of investment services. The firm manages approximately $2.74 trillion in client assets and provides planning tools that incorporate market simulations and return estimates.

Garth Williams is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and two years of industry experience. He has been with Primerica Financial Services since 2003 and also maintains a long-term role with Verizon Communications. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm employs third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plans.

Frederick Gomez is a Series 66-licensed financial advisor with Fidelity, based in Princeton, NJ, and has 21 years of industry experience. He has worked within various Fidelity divisions since 2012, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as an advisor to multiple registered investment companies and employs systematic methodologies alongside AI technologies in its investment process.

Dave Hogan is a Financial Consultant currently working at Fidelity. He partners with clients to create personalized financial plans and provides ongoing education to help them make informed decisions about their financial goals. He focuses on understanding his clients' needs to develop customized approaches. He has held several roles in the financial services industry, including Financial Consultant at Fidelity since 2025, Investment Consultant at Fidelity Investments from 2022 to 2025, Financial Consultant at MassMutual from 2021 to 2022, Financial Planner at Northeast Private Client Group from 2020 to 2021, Relationship Banker at Bank of America in 2020, and Financial Consultant at Equitable Advisors from 2019 to 2020.

Nicholas Serra is a CFP® and holds a Series 66 license, with six years of experience in the financial services industry. He has worked at UBS Financial Services from 2018 to 2025 and has been with Morgan Stanley since 2025 in roles including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers financial planning primarily in an advisory capacity.

Eugene Pak is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his work at Wells Fargo, he owns and operates Kirby Advisory Group LLC, a financial advisory practice based in New Brunswick, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services that require specific advisor credentials.