Gregory Bertagna is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 35 years of industry experience. His career includes 29 years at Bertagna & Associates and five years at Voya Financial Advisors prior to joining LPL Financial. 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 model portfolios and third-party subadvisor strategies, supporting both discretionary and non-discretionary management.

Gregory Spicer is a financial advisor at LPL Financial with 44 years of industry experience. He holds the CFP® and Series 63 designations and has worked at LPL Financial since 2018, following a 26-year tenure at Cadaret, Grant & Co., Inc. Outside of his advisory work, he is the owner of Coordinated Insurance Agency, Inc., an insurance agency. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by research and model portfolios.

Murat Sensoy is a financial advisor with Cetera holding the CFA® designation and Series 63 license. He has recent experience at Cetera Wealth Services and other financial firms, including Franklin Templeton Investments. Sensoy is also an associate instructor for an online education firm, teaching a commercial real estate and investment certificate program. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Francis Hackett is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 65 and Series 63 designations and previously worked for Lincoln Financial Advisors from 2016 to 2024. Outside of his advisory role, he is involved in tax preparation and accounting services and works part-time as a delivery driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, including discretionary and non-discretionary management supported by research and model portfolios.

Christopher Maiurro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America, Merrill, and Atlas Insight LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and 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.

Michael Altschuler is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a caregiver to his daughter through his involvement with Caring With Compassion in Red Bank, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services that include retirement, education, and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations for clients.

Robert Rafano is a CFP® professional with 24 years of industry experience. He has worked at OSAIC since 2020 and spent 15 years at Ameriprise Financial Services, Inc. Prior to his advisory role, he has served as a board member at large for the Monmouth Council Boy Scouts of America, where he participates in community fundraising and support activities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions.

John Lupi Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His prior experience includes roles at Stifel Independent Advisors, LLC, and Ameriprise Financial Services, Inc. He is also Managing Director of Client First Financial, LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, brokerage, insurance, and access to third-party asset management programs. The firm is dual-registered as an SEC investment adviser and broker-dealer and utilizes a variety of program sponsors and third-party managers to deliver advisory and brokerage solutions.

Vincent Passariello is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Waddell & Reed, Inc. for 23 years and at Avantax Advisory Services for six years. In addition to his advisory roles, he owns and operates a tax preparation service. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various program structures and investment strategies.

Terrence Carey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of his advisory roles, he has ownership interest in a residential real estate business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations in collaborative, ongoing client relationships.

Jonathan Pierro is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his advisory career in 2025. Before joining LPL Enterprise, he worked at Deloitte LLP and other firms, and also has experience in education and various business roles. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Gregg Pellecchia is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 36 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and maintains outside activities with various insurance carriers. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through LPL programs and third-party managers. The firm uses a hybrid referral and implementation model, providing both advisory and brokerage/insurance services tailored to client goals and risk profiles.

Andrew Tomasko is a financial advisor with Primerica Advisors in West Windsor, NJ, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1990 and 1991, respectively. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses an operational model focused on percentage-based wrap fees and independent due diligence.

Candice Hammond serves as a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. She has been with Merrill since 1981, bringing over 40 years of experience to her role. Candice leads a team of tenured Merrill employees, with a focus on addressing the individual needs of each client and collaborating to help achieve their financial goals. Her expertise encompasses wealth management guidance, asset allocation, and financial planning strategies across a broad range of areas including education planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. Candice emphasizes a comprehensive approach that begins with understanding each client's priorities to tailor investment and wealth strategies accordingly. Candice holds a Bachelor's Degree from Rosemont College and the Personal Investment Advisor (PIA) designation. She resides in Sea Girt with her husband and two children. Outside of work, she enjoys boating, reading, and spending time with her family.

Matthew Appel is a financial advisor with Equitable Advisors, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked at Axa Advisors. Outside of his advisory role, he serves as a member of the Monmouth-Ocean Development Council and is involved in insurance sales through various agencies. 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 that combines advisory and brokerage/insurance channels to tailor services according to client goals, risk tolerance, and time horizon.

Santoso Lessiohadi is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and bringing six years of industry experience. He has worked at Primerica Financial Services since 2006 and Yusen Logistics Americas Inc. from 2011 to 2024. In addition to his advisory role, he consults part-time in international logistics and is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable organizations. The firm offers advisory services through a large network of advisors using model-delivery strategies managed by unaffiliated asset managers.

Solomon Chemo is a financial advisor with Wells Fargo Advisors in Tinton Falls, NJ, holding CFP® and Series 63, 65, and 66 licenses. He has 34 years of industry experience and has been with Wells Fargo Advisors Financial Network LLC since 2009. Chemo has majority ownership in private investment-related ventures, including SKAJ LLC and Chemo GP, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services with tailored recommendations supported by Wells Fargo research and tools, integrating advisory services with various financial product offerings and referral channels.

Catherina Migliaccio is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. for a decade before joining Raymond James in 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Yisroel Krohn is a financial advisor with LPL Financial in Lakewood, NJ, holding CFP® and Series 66 credentials and 14 years of industry experience. He has worked at LPL Financial since 2018 and previously at Cadaret, Grant & Co., Inc. from 2011 to 2018. Krohn is also involved with Mayco Financial Services and a non-investment-related business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with access to discretionary and non-discretionary management, model portfolios, and research from various sources.

Randy Jarzyna serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2006. In this role, he focuses on providing clients with comprehensive financial planning services. Throughout his career, Randy has dedicated himself to assisting clients in various aspects of financial planning, including basic investing, income protection, retirement planning, and estate planning. He emphasizes engaging clients in discussions about their goals, objectives, and concerns to tailor his approach effectively.