Rick Schmid is a Financial Consultant currently working at Fidelity Investments since 2023. He collaborates with clients to build and maintain financial plans tailored to their specific needs and goals, aiming to simplify financial management and instill confidence in their financial future. Rick has professional experience spanning over a decade in the financial industry. Prior to his current role, he served as an Assistant Vice President - Financial Solutions Advisor at Merrill from 2014 to 2023, and before that, he worked as a Platinum Mortgage Banker at PHH Mortgage between 2010 and 2014.

Richard Eckell is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Specific Solutions, Fulton Bank, Fulton Financial Corp, and Raymond James Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and brokerage services, with access to model portfolios, third-party research, and multiple management options.

Wesley Underwood is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, following five years at JP Morgan Securities and JPMorgan Chase Bank. Outside of his advisory role, he works part-time as a driver for an online ride share service. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Joshua Isernia is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial advisory services as part of the Merrill Lynch team. Joshua holds a Bachelor's Degree from Monmouth University. No additional information about his professional experience, areas of expertise, or personal interests is available.

Luke Wallace is a financial advisor with LPL Enterprise in Medford, NJ, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. In addition to his advisory work, Wallace is involved in health insurance, assisting clients with Medicare supplement plan selections. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products, delivered primarily by investment adviser representatives using LPL’s research and portfolio strategies.

Ty Costantino is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds a Series 66 designation and has prior experience in retail sales and insurance brokerage. Outside of advising, he is involved in buying and selling jewelry through Sansom Metals. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers using collaborative, goal-oriented planning supported by firm-approved analytical tools.

Antonio Bene is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles outside the financial sector, including at Subaru of America and Rowan University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and uses systematic methodologies and long-term asset allocation benchmarks in portfolio management.

Gary Devicci is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and ChFC® designations and over 49 years of industry experience. His prior experience includes more than a decade at Cantella and Co., Inc., and involvement with Comprehensive Insurance Programs Inc. Outside of his advisory role, he owns and operates several financial-related businesses in the Voorhees, NJ area. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, providing a variety of portfolio management approaches and access to proprietary and third-party strategies.

Octavius Reid III is a financial advisor with Morgan Stanley in Marlton, NJ, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory work, he serves as a board member of the Rhythm and Blues Foundation and lectures for the National Basketball Association's Rookie Transition Program. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and structured discovery processes.

Brett Mower is a financial advisor with UBS Financial Services in Mt. Laurel, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing fee-based financial planning, portfolio management, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management, supported by proprietary research and model-based asset allocations.

Daniel Pelosi is a financial advisor with LPL Financial in Sewell, NJ, holding Series 65 and Series 63 designations and six years of industry experience. His prior experience includes roles at Steele Financial Solutions, Wipfli Financial Advisors, Merrill Lynch, and Abercrombie and Fitch. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Daniel Reganata Jr. is a financial advisor with Cetera, holding the PFS™ and Series 63 credentials and bringing 18 years of industry experience. He has worked at Cetera since 2025 and previously spent a decade with Avantax Investment Services and related entities. Outside of his advisory role, he owns and operates Reganata & Associates, providing accounting, tax preparation, and consulting services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by affiliations that enhance product availability and scale.

Nancy Findlay is a financial advisor at Ameriprise with 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2002 and holds a Series 66 designation. Outside of her advisory role, she is a co-owner of OneFuture LLC, which manages her Ameriprise business. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its large institutional platform.

Charles Price III is a financial advisor with LPL Financial in Mount Laurel, NJ. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial, he worked for the Delaware River Port Authority for 21 years. 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 charitable organizations. The firm offers a range of advisory programs, financial planning services, and brokerage solutions supported by model portfolios, research, and technology-driven strategies.

Randley Gonzalez is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He is dedicated to building long-term relationships with his clients by providing financial guidance that is honest, transparent, and tailored to their individual needs. His approach focuses on simplifying the financial planning process to help clients gain clarity and confidence. Gonzalez has a wealth of experience in the financial sector, having previously worked as an Investment Consultant at Fidelity Investments from 2019 to 2020, and as a Relationship Manager at the same firm from 2013 to 2019. Prior to his tenure at Fidelity, he was a Senior Analyst at Lehman Brothers from 2005 to 2010. Outside of his professional work, Gonzalez has interests that include fitness, food, military service, tennis, and traveling.

Sean Stoneback is a financial advisor with Equitable Advisors in Cherry Hill, NJ, holding a Series 66 credential and over 20 years of industry experience. He has been with Equitable Advisors since 2005, previously affiliated with Axa Advisors for 15 years. Outside of his advisory role, he serves as co-executor of his grandparents' estate and operates an outside insurance brokerage business. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to clients’ goals, risk tolerances, and time horizons.

Michael Kramley is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and models.

Christopher Lex is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Agia and Valic Financial Advisors. He is involved in entrepreneurial ventures through entities such as WealthFusion Inc and The Fifteen Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and utilizes research from LPL Research and third-party subadvisors to support diversified investment strategies.

Jennifer Myers is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding a Series 66 designation and 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets beginning in 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Michael Skowronski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.