Joseph Kurzeja Jr. is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and Nathan & Lewis Securities, Inc. since 2000. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money‑manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm‑approved software to analyze client goals.

Lilia Ramos is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s 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.

Jon Iosso is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience, including roles at MML Investors Services, MassMutual Life Insurance Co., and prior employment outside the financial sector. In addition to his advisory work, he is active as an insurance broker, offering life, disability, long-term care insurance, fixed annuities, and health products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations in collaborative annual engagements.

Anthony Lenza III is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. His prior work includes roles at All Fronts Insurance Services Inc. and Binghamton University. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions.

Donato Devito is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 65 and Series 63 licenses and bringing 27 years of industry experience. He worked at BNP Paribas Securities Corp. for 18 years before joining LPL Enterprise in 2025. LPL Enterprise serves a diverse client base, including individuals, high-net-worth clients, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through an integrated platform.

Matthew Broad is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. His prior experience includes roles at Equitable Advisors, AXA-Advisors, and Equitable. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm’s approach includes managing model portfolios across mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Robert Ernesto is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies tailored to each client's unique goals. He provides access to Merrill’s investment insights along with banking and lending solutions from Bank of America. Robert’s areas of expertise include employee financial health, legacy planning, LGBT wealth planning, managing new wealth, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. He holds the Professional Investment Advisor (PIA) designation and completed his High School Diploma/GED at Xaverian. Committed to community involvement, Robert participates in volunteer activities with local organizations, aligning with Merrill’s tradition of service in the communities it serves.

William Logue III is a CFP® professional with 28 years of industry experience, currently affiliated with LPL Financial. He has held roles at LPL Financial since 2025 and previously worked with IC Advisory Services Inc, The Investment Center Inc, and Invest Financial Corporation. Outside of his advisory work, he is involved in insurance sales and operates Clear Focus, LLC, which provides both securities-related and non-securities consulting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers diverse advisory programs, retirement plan consulting, brokerage services, and utilizes a variety of investment strategies supported by internal and third-party research.

Margaret Ann Nugent is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill since 2000. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a broad range of investment strategies including model-based, discretionary, and tax-aware options. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Daniel Macri is a CFP®-designated financial advisor with LPL Financial, bringing 32 years of industry experience. Prior to joining LPL in 2024, he worked at Mass Mutual Investors Services and MassMutual Life Insurance Company from 2016 to 2024, and at MetLife Securities Inc. from 2012 to 2017. He also serves as an adjunct professor at Wagner College. 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, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Remon Dawood is a financial advisor at Merrill with Series 66 credentials and five years of industry experience. His work history includes roles at Bank of America and American Lending Inc., among others. 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 wide range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Jeffrey Jean Baptiste is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

David Haney is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His career includes roles at both Merrill and Bank of America N.A. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, leveraging its integration with Bank of America’s platform to provide a broad set of products and services.

Scott Stephen is a financial advisor with Wells Fargo Advisors, holding Series 63 and 65 licenses and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. He is also a co-owner of STEPHEN GP, LLC, a merchant partnership based in Iselin, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Andrew Slotnick is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes positions at Goldman Sachs & Co. LLC and JetBlue Airways Corporation. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Anthony Lewis is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. His prior positions include roles at Morgan Stanley and Stifel. Outside of finance, he has been involved with the Manhattan Exercise Company, LLC for eight years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Daniel Ronan is a financial advisor at Wells Fargo Clearing with a Series 66 credential and four years of industry experience. His work history includes roles at Wells Fargo Bank, Pro Football Focus, and Ale House Tavern and Tap. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Matthew Cerbone is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and previously worked at The Bank of New York Mellon from 2011 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and models to tailor strategies to clients’ goals and risk tolerances.

Henry Youssef is a financial advisor with Equitable Advisors in Belle Mead, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Equitable Advisors since 2012, previously associated with Axa Advisors, LLC. Outside of his advisory role, he is a partner and vice president in several non-industry businesses, including a laundromat and real estate investment ventures. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model, utilizing LPL and multiple TAMPs while offering both advisory and brokerage channels to execute client recommendations.

Daniel O'Sullivan is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has been in the industry since 2025, with prior experience at Barnum Financial Group and Compass Group. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, employing firm-approved software to analyze client goals and deliver written recommendations.