Stephen Luthmann is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and previously worked at J.P. Morgan Securities LLC for nine years. Outside of his advisory role, he has a 50% ownership interest in Legacy 7 Holdings LLC, a holding company for an Amazon FBA e-commerce startup. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Frank Cafiso is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has nine years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously at S & F Equity Corp. He is also licensed as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large national network of independent advisors.

William Gunderson is a financial advisor with OSAIC in Brooklyn, NY, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Royal Alliance Associates and Maiorano & Associates. In addition to advisory services, he operates a sole proprietorship as an insurance agent selling fixed insurance products and works as an accountant preparing tax returns. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a variety of portfolio management tools and access to third-party managers.

Richard Laskin is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 34 years of industry experience. He has worked with Cetera since 2017 and has held roles at SII Investments, Inc. and Brunswick Wealth Management, LLC. Outside of his advisory duties, Laskin serves as president of Brunswick Wealth Management LLC, where he is involved in tax preparation, accounting, financial services, and fixed insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors 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, with access to affiliated and third-party managers and various program structures.

Brian Davis is a CFP® with 28 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. He is based in Lincroft, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related products and bank deposit sweep programs.

Marek Milik is a financial advisor with Mass Mutual Investors Services in Brooklyn, NY, holding the ChFC® designation and Series 63 license. He has 29 years of industry experience, including prior roles at Metlife Securities Inc. and Massmutual Life Insurance Co. He also works as an independent insurance agent selling life, accident, and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers with financial planning, asset management, and educational programs.

Thomas Boyd is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Stifel for 11 years before joining Wells Fargo in 2018. Outside of his advisory role, he serves as a basketball referee in New Providence, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach is grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Jetter is a Certified Financial Planner® affiliated with LPL Financial, with 34 years of experience in the financial industry. He has worked at LPL Financial since 2014 and previously spent nine years at Private Portfolio Partners, LLC. Jetter is also involved in providing financial planning and advisory services through Archway Wealth Management, a registered investment advisor DBA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and services supported by LPL Research and third-party subadvisors.

Louis Paolillo is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at TD Ameritrade Investment Management and TD Ameritrade, Inc. Outside of his advisory role, Paolillo is a volunteer basketball coach and also works as a bartender. 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 a combination of non-discretionary and discretionary investment management solutions supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Damien Berube is a Series 66-licensed financial advisor with 10 years of industry experience. He has worked at LPL Financial since 2025, following roles at FFP Wealth Management and Garden State Securities, Inc. Damien is based in Staten Island, NY. 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 research and model portfolios.

David Fazendeiro is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and has previously worked at IC Advisory Services Inc and The Investment Center Inc. Outside of his advisory role, he is involved in non-variable insurance sales and manages ClearFocus Holdings, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Jonathan Barrett is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2008. Outside of his advisory role, Barrett serves on several nonprofit boards including Help The Children Hear and the Dominican Republic Relief Organization, and he is an adjunct professor at Seton Hall University. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, brokerage, insurance, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and relies on LPL-sponsored programs and external managers to deliver advisory and brokerage solutions.

Robert Edelson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior firms include Bank of America and Merrill. Outside of advising, he operates a small online resale business on eBay. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services with multiple program structures, combining proprietary and third-party models to accommodate various client needs.

Colin Hollingsworth is a Senior Financial Advisor based in Red Bank, New Jersey. He began his career as a Financial Advisor in 2018 and transitioned his practice to Merrill in 2023. Born and raised in Monmouth County, Colin serves corporate executives, business owners, and families, assisting them in growing and structuring their wealth. His approach emphasizes teamwork, collaborating with specialists throughout Bank of America and Merrill to provide clients with multiple perspectives, identify gaps and efficiencies in wealth management, and develop customized strategies to address the complexities of their financial situations. Colin's expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Colin earned his bachelor's degree from Rutgers, The State University of New Jersey in 2018 and is a first-generation college graduate who worked full time during his studies. He holds multiple professional credentials, including the Certified Financial Planner (CFP) certification and the Certified Plan Fiduciary Advisor (CPFA) designation. He is a member of Business Network International and is involved with the Alzheimer's Association. Colin and his partner, Carly, reside in Monmouth County with their son, Jack.

Matthew Trzaska is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Guitar Center and Whole Foods Market and studied at Drew University. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund‑of‑funds.

Richard Auteri II is a financial advisor with LPL Financial in Iselin, NJ, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. He is involved in non-variable insurance activities as an agent through related business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Ilya Khait is a financial advisor with LPL Enterprise, holding a Series 66 designation and over 23 years of industry experience. He previously worked at Pruco Securities, LLC for 22 years and has been associated with Prudential Insurance Company of America for 25 years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers a range of services such as financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Margaret Kelleher is a financial advisor with Ameriprise who holds Series 63 and Series 65 designations and has 21 years of industry experience. She has been with Ameriprise since 2006, including her current role beginning in 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients nearing or in retirement with written recommendation reports and annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sergio Modernel is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns Xcelerate Growth LLC, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies, employing a research-driven and algorithm-supported approach to retirement income recommendations.

Stephen Bouffard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.