Katherine Schneider is a CFP®-certified financial advisor with 24 years of industry experience. She is currently with Cetera Wealth Services, LLC and Cetera, having joined in 2025. Prior to this, Katherine worked at Avantax and has additional experience with tax and CPA firms, including her own tax practice where she prepares tax returns and provides tax planning for individual, trust, and business clients. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Alan Concha III is a financial advisor with LPL Financial, holding the CFP® certification and Series 66 license. He has six years of industry experience and has previously worked at firms including Merrill and Bank of America. Outside of his advisory role, he is employed part-time at Aero Flight School in a non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Haris Hot is a financial advisor at Raymond James Financial with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including Fulton Financial Advisors, MASSMUTUAL Life Insurance Company, and AXA Advisors. Outside of advisory roles, he has been involved with Fast Track Construction Systems Inc. for three years. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary advice supported by analytical tools and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Eva Teilborg is a financial advisor with Ameriprise in Riverdale, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She has been with Ameriprise and its affiliated entities since 2018. Ameriprise is a large institutional firm that offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations in partnership with its advisors.

Albert Vankleeff is a financial advisor with LPL Financial in Pompton Plains, NJ, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial and its predecessor firm since 1997. Outside of his advisory role, he is involved in non-variable long-term care insurance. 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 a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and third-party research.

Robert Gariano is a CFP® professional with 12 years of industry experience. He is affiliated with Cetera and operates Gariano Wealth Management, where he serves as a financial advisor. He has been with Cetera and its related entities since 2015. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a variety of portfolio management options and serves over 800,000 clients through more than 10,000 advisors.

Raydel Hernandez is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 31 years of industry experience, including 11 years at J.P. Morgan Securities and has been with LPL Financial since 2023. Outside of advisory work, he is involved in an online cookbook publishing venture through M & R Writing and Publishing. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Ramy Hakim is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning his career in the financial industry in 2014, he has provided consultations to clients aiming to identify their financial goals and offer tailored advice in investments, estate planning, education savings, wealth building, and retirement. His areas of expertise include family wealth management strategies, services for defined benefit plans, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. Ramy holds a Bachelor's degree in Finance from Aleppo University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Raised in a bilingual environment, he is fluent in both English and Arabic. Beyond his professional work, Ramy engages in community activities aligned with the Merrill tradition of service. In his personal time, he enjoys playing tennis and soccer and traveling.

Edmund Delorenzo is a CFP® with 28 years of industry experience, currently affiliated with Cetera since 2005. He has held roles at McGoff, Collins & Delorenzo CPAs since 1998, providing tax, accounting, and forensic investigative services. Outside of advisory work, he is involved in forensic accounting consulting and also holds an insurance agent license, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC operates as a nationwide multi-manager platform serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of over 10,000 advisors and approximately 800,000 clients.

Jordan Trunk is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2007. 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. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Thomas Lopez is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and has previously worked at Cambridge Investment Research Advisors and American Portfolios Financial Services, Inc. Outside of his advisory work, he is also an independent insurance agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services supported by multiple platforms, using asset-allocation tools and third-party money managers to manage portfolios across various asset classes.

Peter Paladino is a CFP® and ChFC® with 34 years of experience in financial services. He is currently with Cetera, having joined in 2023, and has held roles at Allied Wealth Partners and Securian Financial Services among others. Outside of advisory work, he serves as president of a company focused on expense management. Cetera Investment Advisers LLC is an SEC-registered firm serving a range of clients including individuals, retirement plans, and institutional accounts. The firm offers portfolio management and financial planning through a multi-manager platform that includes affiliated and third-party managers, supporting discretionary and non-discretionary investment strategies.

Lorie Rios is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. She has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and technology-driven solutions.

Scott Siripalaka is a financial advisor at Thrivent Investment Management with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Northwestern Mutual and Foresters Financial Services. Since 2005, he has been affiliated with Thrivent in various capacities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial analyses and planning without discretionary trading authority. The firm integrates planning with a managed-account program under a consolidated billing option known as WealthPlan, while maintaining planning and investment management as distinct services.

Richard Wu is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he performs paraplanning duties through Longohmont, LLC under the supervision of a financial advisor. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Robert Thompson is a financial advisor with Cetera in Oakland, NJ. He holds Series 63 and Series 66 licenses and has 34 years of industry experience, including 21 years with Cetera and Cetera Financial Specialists LLC. In addition to his advisory role, he owns and operates a tax preparation and consulting business focused on individual tax returns and financial planning. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting various investment strategies and program structures.

Michael Dasilva is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been with UBS since 2011. Outside of his advisory role, he is the owner and office manager of ESA Technology Solutions, a company that installs and supplies technology solutions in New Jersey. He has also served on the boards of sports officiating organizations in Pennsylvania and New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Kimberly Bucello is a financial advisor with Morgan Stanley in Ramsey, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Lawrence Katz is a financial advisor with LPL Financial, holding a Series 63 designation and 40 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1995 and Financial Network Advisory Corp. since 1993. Katz also spends a small portion of his time involved in non-variable insurance and long-term care products. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.