Sebastien Cassu is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding a Series 66 designation and five years of industry experience. He has worked at Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2021. Outside of his advisory role, he is also an independent insurance agent selling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning engagements using firm-approved software and tools, with optional implementation of recommendations through brokerage or insurance products.

Michael Diekmann is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 credential and has worked at several firms including Fidelity Investments and ACA Foreside. Outside of finance, he has been involved with Matunuck Oyster Bar and Matunuck Oyster Farm. 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 diverse investment management options through a multi-manager platform, combining affiliated and third-party strategies across various program structures and custodial relationships.

Sneha Salgam is a financial advisor at Edward Jones with eight years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2017, with prior roles at the University of Richmond in various capacities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and maintains one of the largest networks of financial advisors and branch offices in the industry.

Danielle Mrozek is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Wealth Management Teams to develop financial plans that align with their goals. She joined Fidelity Investments in 2023 and has held various positions including Financial Representative and Relationship Manager before assuming her current role in 2026. Her experience at Fidelity Investments has provided her with a comprehensive understanding of financial planning and client relationship management. Danielle holds a California Insurance License.

Daniel Wilson is a CFP® with 29 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Guardian Life Insurance Company of America. Outside of his advisory work, he is a partner in several private investment ventures, including real estate and specialty businesses, and is a passive member of the Entrepreneurs Organization. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, multi-advisor platform, and integration of multiple affiliated entities.

John Crlencic is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

Peter Baldeo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on collaborating with clients to develop personalized wealth management strategies that align with their life priorities, family goals, and aspirations. Peter emphasizes service and client education to help clients avoid financial pitfalls and navigate both stable and turbulent market conditions in pursuit of financial independence. He brings experience in areas including corporate executive services, education planning, executive compensation, retirement income, socially responsible and ESG investing, as well as serving specialized client groups such as women and the LGBT community. Peter holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). He earned both his Bachelor's degree and MBA from Rider University and is affiliated with the College of Financial Planning, the CFP Board, and the Investments and Wealth Institute. Beyond his professional work, Peter is active in community service, volunteering with organizations such as Susan G Komen, Big Brothers and Big Sisters of Trenton, and Happy Healing Ideas. His personal interests include adventure sports, football, golfing, music, reading, scuba diving, skydiving, soccer, spending time with his family, and watching movies.

John Song is a financial advisor with J.P. Morgan Securities in Princeton, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with J.P. Morgan entities since 2003, including 14 years at J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Joshua Salkin is a financial advisor at LPL Financial with a Series 66 credential. He has been associated with LPL Financial and its predecessor firms since 2023 and has prior experience working at Blue Owl Capital. Joshua’s background includes roles outside the financial industry, such as work at Metedeconk National Golf Club and Mangia Brick Oven Pizza. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Mark Dubel is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2018, following five years at INVEST Financial Corp and over two decades at Affinity Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Algin Lagdameo is a financial advisor with MassMutual Investors Services holding a Series 66 designation and 18 years of industry experience. His prior work includes long-term roles at Pruco Securities, LLC and the Prudential Insurance Company of America. MML Investors Services, LLC 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, and educational seminars with an emphasis on collaborative, annual client relationships and use of firm-approved analytical tools.

Travis Rosa is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds the Series 65 and Series 63 designations. Prior to joining Raymond James in 2018, he worked at Spring Lake Golf Club from 2011 to 2017 and has been associated with the club in other capacities since 2008. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Warren King is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, and Capital Craft. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Christopher Ferrone is a financial advisor with LPL Financial in Branchburg, NJ, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MMLIS Investors Services, Massmutual, Ameriprise Financial Services, and Morgan Stanley. Outside of his advisory work, he is involved with Going Gold Choreography, LLC, a non-investment-related activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, and other institutions. The firm supports its investment adviser representatives with a broad platform including financial planning, model portfolios, third-party asset management, and institutional programs.

Robert Cundari is a financial advisor with J.P. Morgan Securities in Princeton, NJ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His career includes roles at JPMorgan Chase Bank, NA since 2018 and previous positions at TD Ameritrade Investment Management LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating forward-looking capital market assumptions.

Lynn Delprado Araneta is a ChFC® credentialed financial advisor with 45 years of industry experience, currently affiliated with OSAIC. She was previously with Signator Investors, Inc. for 37 years before joining Royal Alliance Associates, Inc. in 2018. In addition to her advisory roles, she is involved with ACORN Financial Services Inc., focusing on retirement, insurance, investment, and college education planning, as well as term and universal life insurance brokerage. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, affiliate network, and private-equity ownership.

Adam Altman is a financial advisor with Charles Schwab, holding a Series 66 designation and 20 years of industry experience. He has worked at Charles Schwab since 2021 and previously held positions at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is a partner in White Pelican Development, an investment venture focused on multi-family real estate. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with alternative investments and centralized custodial services.

Patrick Tierney is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1998, bringing 24 years of experience in financial services. He specializes in guiding and advising clients on wealth management strategies aimed at helping them pursue their financial goals. Patrick focuses on maintaining moderate risk in investment portfolios while pursuing absolute returns and maximum diversification. His expertise includes areas such as college education planning, executive and equity compensation, family wealth management strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. As a Senior Portfolio Manager, Patrick manages his own discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Patrick holds a Bachelor's Degree from the University of Scranton and holds several professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Alternative Investment Analyst (CAIA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, Patrick spends time volunteering in his community and enjoys basketball, music, reading, and spending time with his family.

David Munoz is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing before joining Merrill in 2018 and subsequently Bank of America in 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rohan Puri is a financial advisor at J.P. Morgan Securities based in Princeton, NJ, holding Series 63 and Series 66 licenses with one year of industry experience. His prior roles include positions at Morgan Stanley and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.